Validating a User Using a Digital Behavioral Fingerprint Generated with Sensor Data from the User's Portable Device

A method for validating a user, comprising:

• receiving first data associated with the user that is passively acquired by one or more sensors of a portable computer device of the user, wherein the first data is acquired during a plurality of predetermined time intervals;
• receiving second data associated with the user that is actively input by the user into the portable computer device;
• generating a digital behavioral fingerprint of the user by processing the first data;
• determining whether a purported identity of the user is authentic by computing an authenticity score using the digital behavioral fingerprint, wherein the purported identity of the user is determined to be authentic if the authenticity score is less than or equal to a first threshold of identity, and wherein the purported identity of the user is determined to be potentially not authentic if the authenticity score is greater than the first threshold of identity;
• determining whether the second data associated with the user is invalid by computing a conformity score if the purported identity of the user is determined to be potentially not authentic, wherein the conformity score is based on a difference between the received second data and an expected second data, wherein the expected second data is based on prior second data associate with the user that was received prior to the plurality of predetermined time intervals and on second data associated with other users, wherein the second data associated with the user is determined to be not invalid if the conformity score is less than or equal to a second threshold of identity, and wherein the second data associated with the user is determined to be invalid if the conformity score is greater than the second threshold of identity;
• and
• allowing the user access to a service if either the purported identity of the user is determined to be authentic or the second data associated with the user is determined to be not invalid.

A system for validating a user, comprising:

• a portable computer device of a user having a sensor;
• and
• a computer including a memory and a processor, wherein the processor is configured to:
• receive first data associated with the user that is passively acquired using the sensor, wherein the first data is acquired during a plurality of predetermined time intervals;
• receive second data associated with the user that is actively input by the user into the portable computer device;
• generate a digital behavioral fingerprint of the user by processing the first data;
• determine whether a purported identity of the user is authentic by computing an authenticity score using the digital behavioral fingerprint, wherein the purported identity of the user is determined to be authentic if the authenticity score is less than or equal to a first threshold of identity, and wherein the purported identity of the user is determined to be potentially not authentic if the authenticity score is greater than the first threshold of identity;
• determine whether the second data associated with the user is invalid by computing a conformity score if the purported identity of the user is determined to be potentially not authentic, wherein the conformity score is based on a difference between the received second data and an expected second data, wherein the expected second data is based on prior second data associate with the user that was received prior to the plurality of predetermined time intervals and on second data associated with other users, wherein the second data associated with the user is determined to be not invalid if the conformity score is less than or equal to a second threshold of identity, and wherein the second data associated with the user is determined to be invalid if the conformity score is greater than the second threshold of identity;
• and
• allow the user access to a service if either the purported identity of the user is determined to be authentic or the second data associated with the user is determined to be not invalid.

A method comprising:

• receiving first data associated with the user that is acquired during a predetermined time period by a sensor of a portable computer device of the user;
• receiving second data associated with the user that is input by the user into the portable computer device;
• generating a digital behavioral fingerprint of the user using the first data;
• determining that a purported identity of the user is authentic if the digital behavioral fingerprint does not exceed a first threshold, wherein the purported identity of the user is determined to be potentially not authentic if the digital behavioral fingerprint exceeds the first threshold;
• if the purported identity of the user is determined to be potentially not authentic, determining that the second data associated with the user is invalid if a difference between the received second data and an expected second data exceeds a second threshold, wherein the expected second data is based on prior second data associated with the user that was received prior to the predetermined time period and on second data associated with other users, wherein the second data associated with the user is determined to be not invalid if the difference between the received second data and the expected second data does not exceed the second threshold;
• and
• allowing the user access to a service if either the purported identity of the user is determined to be authentic or the second data associated with the user is determined to be not invalid.