SYSTEMS AND METHODS FOR ONLINE ACTIVITY-BASED AUTHENTICATION

摘要

Systems and methods for authentication of users using online activity are provided. An authentication system may build a user profile in a database by associating online activity data with a user in the user profile, and further by processing the online activity data to generate user interest data and associating it with the user. The authentication system may receive a payment request for a purchase of an item using a payment account of the user. The authentication system may determine if the purchase of the item by the user is consistent with the user's online activity data and/or user interest data. If consistent, the authentication system may authenticate the user and process the payment request by approving the payment request.

主权项

1. A system comprising:
a storage module configured to store a user profile of a user, the user profile including online activity data; an authentication module configured to determine a purchase of an item by the user is consistent with the user profile in response to receiving a payment request for the purchase of the item using an account associated with the user, and authenticate the user based, at least in part, on the determination; and a payment processor module configured to process the payment request in response to authenticating the user.