Back to results
US 2013/0097673 A1Published application
System and method for electronic transaction authorization
AssigneeIdentity Metrics, Inc.
InventorsTimothy Erickson Meehan, Herbert Lewis Alward
Life of this patent
Estimating the term…
Abstract
A system and a related method are disclosed for authenticating an electronic transaction. Input behavioral data is captured related to measured interactions with at least one input device. The input data is compared to probability distribution representations for a demographic group and for a wide population, performing the measured interaction(s). The system is configured to authenticate the electronic transaction based on the comparing.
Claims14
A computerized system for authenticating an electronic transaction, the system comprising:
- a digital storage assembly storing
- data characteristics for a purported authorized user of an electronic system based on a plurality of measured interactions with one or more input devices of the electronic system,
- a user probability distribution representation for an authorized user based on a plurality of measured interactions with an input device,
- a global probability distribution representation for a wide population based on a plurality of measured interactions with an input device;
- and
- a processing assembly configured to execute computer-readable instructions including
- determining a value indicative of whether the purported authorized user is the authorized user, utilizing (a) the data characteristics of the purported authorized user, (b) the probability distribution representation for the authorized user, and (c) the probability distribution representation for the wide population, and
- associating the purported authorized user to the authorized user for authenticating an electronic transaction attributable to the authorized user, if the value is above a prescribed threshold.
5 more elements
A computerized method for authenticating an electronic transaction, comprising:
- accessing data characteristics of a purported authorized user of an electronic system based on a plurality of measured interactions with one or more input devices of the electronic system;
- accessing a user probability distribution representation for an authorized user based on a plurality of measured interactions with an input device;
- accessing a global probability distribution representation for a wide population based on a plurality of measured interactions with an input device;
- determining a value indicative of whether the purported authorized user is the authorized user, utilizing (a) the data characteristics of the purported authorized user, (b) the probability distribution representation for the authorized user, and (c) the probability distribution representation for the wide population;
- and
- associating the purported authorized user to the authorized user for authenticating an electronic transaction attributable to the authorized user, if the value is above a prescribed threshold.
3 more elements
A computerized method for authenticating an electronic transaction, comprising:
- capturing input behavioral data for a plurality of users to include a prescribed user, the input behavioral data related to measured interactions with the at least one input device, in which the measured interactions include a first interaction and a second interaction distinct from the first interaction;
- maintaining a plurality of global probability distribution representations for a wide population of users, in which each of the plurality of wide-population probability distribution representations for a wide population is associated to an interaction with an input device;
- maintaining a plurality of user probability distribution representations for a plurality of authorized users, in which each of the plurality of user probability distribution representations is associated to the measured interactions with the input device;
- comparing (a) input behavioral data associated with the prescribed user performing the first interaction, (b) the user probability distribution representation for the authorized user performing the first interaction, and (c) the global probability distribution representation for the wide-population performing the first interaction;
- and
- comparing (a) input behavioral data associated with the prescribed user performing the second interaction, (b) the user probability distribution representation for the authorized user performing the second interaction, and (c) the global probability distribution representation for the wide-population performing the second interaction;
- and
- determining a total probability based on the comparing steps;
- and
- authenticating an electronic transaction, if the value is above a prescribed threshold.
7 more elements
Dependencies are inferred from the claim text.