Methods for authenticating a user, authentication devices, and computer readable media
AssigneeMastercard International Incorporated
InventorsSudhir Gupta, Rahul Agrawal
Life of this patent
Estimating the term…
Abstract
Methods and devices for authenticating a user are provided. The method for authenticating a user may include: providing a question to the user; receiving an answer to the question from the user; comparing the answer with a preference of the user; and authenticating the user based on the comparing. At least one of the question or the preference is determined based on at least one of circumstantial data of the user, a transaction data associated with the user, and feedback data from the user.
Claims18
A method for authenticating a user, the method comprising:
- providing a question to the user;
- receiving an answer to the question from the user;
- comparing the answer with a preference of the user;
- and
- authenticating the user based on the comparing;
- wherein at least one of the question and the preference is determined based on at least one of circumstantial data of the user, transaction data associated with the user, and feedback data from the user.
The method of claim 8, further comprising:
- updating preferences of the user for questions for which the answers did not match the preferences of the user, if it is determined that at least a predetermined portion of answers to the plurality of questions matches preferences of the user.
An authentication device comprising:
- a question provider circuit configured to provide a question to a user based on at least one of circumstantial data of the user, transaction data associated with the user, and feedback data from the user;
- a receiver configured to receive an answer to the question from the user;
- a comparison circuit configured to compare the answer with a preference of the user;
- and
- an authentication circuit configured to authenticate the user based on an output from the comparison circuit;
- wherein the preference is selected, based on the circumstantial data of the user, from one or more stored preferences associated with the user.
A computer readable medium comprising instructions which, when executed by a processor, make the processor perform a method for authenticating a user, the method comprising:
- providing a question to the user;
- receiving an answer to the question from the user;
- comparing the answer with a preference of the user;
- and
- authenticating the user based on the comparing;
- wherein at least one of the question and the preference is determined based on at least one of circumstantial data of the user, transaction data associated with the user, and feedback data from the user.
Dependencies are inferred from the claim text.