Behavioral profiling method and system to authenticate a user

A computer-implemented method of fraud prediction comprising:

• passively identifying a user interacting through a channel during a current session;
• retrieving, from a database, a predictive behavioral profile associated with the user, wherein the predictive behavioral profile receives current user interactions with the channel and estimates a distance from prior usage patterns of the user, and wherein the predictive behavioral profile is based on clicktrail data and authentication logs;
• identifying, by a computer processor, in real-time or near real-time, variations between current usage patterns of the user and the predictive behavioral profile;
• calculating similarity or distance measures between the current session of the user and the predictive behavioral profile;
• translating a set of the calculated similarity or distance measures into a single confidence measure;
• implementing a challenge level to proceed in the current session, wherein the challenge level is based on a risk level of requested activities of the current session;
• and
• when the challenge level to proceed in the current session disallows the user to continue in the current session:
• analyzing, by the computer processor, behavioral biometrics of the user,
• comparing, by the computer processor, the behavioral biometrics of the user with one or more previous samples of the behavioral biometrics of the user, and
• when the comparison of the behavioral biometrics of the user with the one or more previous samples of the behavioral biometrics of the user is within a tolerance, allowing, by the computer processor, the current session to proceed without requesting a user response or notifying the user of the challenge level.

A system for authenticating a user, the system comprising:

• a memory;
• and
• a processor in communication with the memory, the processor configured to execute software modules, the software modules comprising:
• a channel communication module configured to engage in one or more sessions with a user via a plurality of channels;
• an information gathering module configured to:
• monitor user behavior during the one or more sessions;
• and
• collect demographic data relating to the user;
• a behavioral profile generation module configured to:
• develop a user behavioral profile based on the user behavior, the user behavioral profile including patterns of behavior that are typical of the user, wherein the user behavioral profile is based on clicktrail data and authentication logs;
• the channel communication module further configured to observe the user behavior during a session;
• a variation determining module configured to determine, in near real-time, variations between the user behavior observed during the session and the user behavioral profile;
• and
• a challenge module configured to:
• implement a challenge level to proceed with the session based on the variations, wherein the challenge level is based on a risk level of requested activities of the session;
• adapt the user behavioral profile with the user behavior from the session;
• and
• when the challenge level to proceed in the session disallows the user to continue in the session:
• analyzing behavioral biometrics of the user,
• comparing the behavioral biometrics of the user with one or more previous samples of the behavioral biometrics of the user, and
• when the comparison of the behavioral biometrics of the user with the one or more previous samples of the behavioral biometrics of the user is within a tolerance, allowing the session to proceed without requesting a user response or notifying the user of the challenge level.