US 11,695,746 B2 · Multi-layer user authentication with live interaction

Abstract

Systems and techniques for multi-layer user authentication with live interaction are described herein. An authentication request may be received from a user for secure data stored in a computing system. Contextual data may be received that is associated with authentication information received from the user. It may be determined that the user has passed a first authentication process based on a match between the authentication information and reference authentication information stored in a user profile for the user. A risk score may be generated for the authentication request based on the contextual data and the authentication data. A second authentication process may be identified based on the risk score. A set of secondary authentication information may be received. Data associated with the authentication request may be transmitted upon authentication of the user via the second authentication process based on the set of secondary authentication data.

Claims20

Dependent claims

A system for multi-layer user authentication, the system comprising:

at least one processor;
and
memory including instructions that, when executed by the at least one processor, cause the at least one processor to perform operations to:
receive an authentication request from a user for secure data stored in a computing system;
determine that a user has passed a first authentication process;
generate a risk score for the authentication request based on contextual data associated with the authentication request;
receive a set of secondary authentication information from the user via a secondary authentication process triggered by the risk score;
and
transmit secure data to a user interface upon completion of the secondary authentication process.

6 more elements

At least one non-transitory machine-readable medium including instructions for multi-layer user authentication that, when executed by at least one processor, cause the at least one processor to perform operations to:

receive an authentication request from a user for secure data stored in a computing system;
determine that a user has passed a first authentication process;
generate a risk score for the authentication request based on contextual data associated with the authentication request;
receive a set of secondary authentication information from the user via a secondary authentication process triggered by the risk score;
and
transmit secure data to a user interface upon completion of the secondary authentication process.

3 more elements

Dependencies are inferred from the claim text.

Multi-layer user authentication with live interaction

Life of this patent

Multi-layer user authentication with live interaction

Life of this patent

Abstract

Claims20