| 主权项 |
1. A method comprising:
acquiring, over a period of time using at least a first component of a mobile device, first data representing behavior of an individual user; storing the first data in non-volatile storage; acquiring, over a period of time using at least a second component of a mobile device, second data representing physical characteristic information relating to the individual user; storing the second data in the non-volatile storage; at about a time of a transaction involving the individual user and a payee
i) acquiring current behavioral data for the individual user using the first component,ii) acquiring current physical characteristic information for the individual user using the second component,iii) analyzing, using a processor, the current behavioral data relative to the first data to obtain at least one behavioral score,iv) analyzing, using the processor, the current physical characteristic information relative to the second data to obtain at least one physical score,v) fusing the at least one behavioral score and at least one physical score to obtain a fused present score,vi) applying at least one business rule to the fused present score, andvii) indicating to the payee that the transaction is to be approved or declined based upon a result of the applying in “vi)”. |
