Intuit, Inc.

Antonio Fuentes

Douglas L Foiles

Brent Rambo

Kyle McEachern

Jeremy Luchau

Ergang Sun

Certain aspects of the present disclosure provide techniques for determining an identity of a user requesting access to a resource. An example technique for determining the identity of the user includes, upon receiving a request for a resource, determining the identity assurance strength of the user. The determination of the identity assurance strength of the user is based on personal identifying information, risk signals, user history, and the like. If the user does not have the requisite identity assurance strength to access a resource, based on policy criteria, an identity proofing operation may be determined for the user to complete in order to access the resource, where the operation is determined based on policy criteria, risk signals, and the like. Upon completion of the identity assurance operation, if the user has adequate identity assurance strength, then the user may access the resource.

Policy based adaptive identity proofing

Anti-phishing computing systems and methods. A first computer that hosts an online software application with which an end user or customer has an account generates an electronic message and independent confirmation data and transmits electronic message data and the confirmation data to a second computer, which updates an activity log for the end user's account such that the confirmation data is associated with the electronic message data in the activity log. The confirmation data may be a randomly generated number and incorporate an identifier of the online software application. The electronic message including the confirmation data is transmitted to the end user computing device such that using the activity log and multiple confirmation data transmissions to different computing systems can be used to confirm that a source of the electronic message was the online software application and that the electronic message is not a fraudulent phishing electronic message.

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Carlsbad, CA, United States of America

Antonio Fuentes