Contextually escalated authentication by system directed customization of user supplied image
AssigneeWells Fargo Bank, N.A.
InventorsOm Sri Chaturvedi Tiprika, Srinivasa Reddy Elakoti
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AssigneeWells Fargo Bank, N.A.
InventorsOm Sri Chaturvedi Tiprika, Srinivasa Reddy Elakoti
Estimating the term…
A secure authentication system, computer program recording medium and method enable secure transaction with authentication to eradicate fraud. A customer is authenticated via a customer application executed on a communication device. A customer-paced communication session is enabled between the customer application and a transaction system via a network connection. A customer continuity factor is monitored in maintaining the communication session. In response to receiving a customer request via the customer application, a level of trust in current authentication of the customer is determined based on the user continuity factor. In response to the level of trust being below a trust threshold, the customer is directed via the customer application to provide a customer request comprising a customer-supplied image having a specified contextual element. The communication session is re-authenticated to process the user input by the transaction system based on verification of the received user-supplied image.
A method for user authentication, the method comprising:
An authentication system for user authentication, the authentication system comprising:
A computer program product for user authentication, the computer program product comprising at least one non-transitory computer-readable storage medium comprising computer-executable instructions that, when executed, cause an apparatus to:
Dependencies are inferred from the claim text.