| 发明名称 |
Knowledge Based Verification of the Identity of a User |
| 摘要 |
According to certain embodiments of the disclosure, a system receives a request from a user device to conduct an activity with an enterprise and determines an authentication level associated with the activity. The system receives information associated with the user from a plurality of disparate channels and calculates a risk score associated with the user based on the received information associated with the user. The system generates a token based on the authentication level and risk score and communicates the token to the user device. |
| 申请公布号 |
US2015193781(A1) |
申请公布日期 |
2015.07.09 |
| 申请号 |
US201414149003 |
申请日期 |
2014.01.07 |
| 申请人 |
Bank of America Corporation |
发明人 |
Dave Apeksh M.;Zemaitis John F.;Norris Kenneth B.;Toth Michael E. |
| 分类号 |
G06Q30/00 |
主分类号 |
G06Q30/00 |
| 代理机构 |
|
代理人 |
|
| 主权项 |
1. A system for verifying an identity of a user, comprising:
an interface operable to receive a request from a user device to conduct an activity with an enterprise; and one or more processors communicatively coupled to the interface and operable to:
determine an authentication level associated with the activity;receive information associated with the user from a plurality of disparate channels;calculate a risk score associated with the user based on the received information associated with the user; andgenerate a token based on the authentication level and the risk score; and the interface further operable to communicate the token to the user device. |
| 地址 |
Charlotte NC US |
