Authentication system

A system for allowing a transaction, comprising one or more processors, and one or more memory, wherein the one or more memories have stored thereon machine readable instructions that when executed by the one or more processors is configured to perform the functions of:

• receive user information about a user of a device;
• receive a device personality, the device personality comprising user generated data stored on the device including a color of a pixel from a background screen;
• combine the user information and the device personality as a combined electronic identification;
• store the combined electronic identification on an authentication server;
• subsequently to storing the combined electronic identification on the authentication server and prior to the transaction, receive an updated user information and an updated device personality comprising user generated data stored on the device including a color of a pixel from a background screen;
• compare an updated combined electronic identification from the updated user information and the updated device personality against the combined electronic identification;
• generate a confidence score using the updated combined electronic identification and the combined electronic identification;
• replacing the combined electronic identification on the server with the updated combined electronic identification only when the confidence score is within a first set tolerance;
• and
• allow the transaction to proceed after the replacement of the combined electronic identification on the server with the updated combined electronic identification when the updated device personality and the device personality match within a second set tolerance;
• wherein the second set tolerance is determined by:
• collecting multiple user device personalities;
• creating statistical distributions to create statistical probabilities to determine how much an individual device personality associated with one user differs from another individual device personality associated with another user;
• and
• using the statistical probabilities to determine the set tolerance where a device to which a user has been assigned is statistically different from an other device from another user.

A method comprising the steps of:

• a) receiving user information about a user on a device,
• b) sending data related to the user information from the device to a server;
• c) sending a device personality from the device to the server, the device personality related to user generated data stored on the device including pixel color of a background screen;
• d) creating a combined electronic identification from the data related to the user information and the device personality and storing the combined electronic identification on the server;
• e) subsequently to storing the combined electronic identification on the server and prior to a transaction, sending updated data related to user information and an updated device personality related to user generated data stored on the device to the server;
• f) comparing an updated combined electronic identification based on the data related to the user information and the updated device personality against the combined electronic identification;
• g) generating a confidence score using the updated combined electronic identification and the combined electronic identification;
• h) replacing the combined electronic identification previously stored on the server with the updated combined identification only when the confidence score is within a first set tolerance;
• and
• i) subsequent to the replacing, allowing the transaction to proceed only after comparing the device personality and the updated device personality and when the device personality and the updated device personality match within a second set tolerance, wherein the second set tolerance between the device personality and the updated device personality is determined by:
• collecting multiple user device personalities;
• creating statistical distributions to create statistical probabilities to determine how much an individual device personality associated with one user differs from another individual device personality associated with another user;
• and
• using the statistical probabilities to determine the second set tolerance where a device to which a user has been assigned is statistically different from an other device from another user.