Accenture Global Solutions Limited

Gerard Johan Landman

Anthony Peter McDougall

Michael John Simmons

Anthony Peter Mcdougall

An adaptive user authentication system is disclosed that executes user authentication by verifying user identity using different authentication steps based on a risk score. The risk score enables determining if the requesting user's identity is to be verified. If it is determined that the user identity is to be verified, a sequence of authentication steps is implemented wherein more and more data is collected regarding the user as the user fails to be authenticated at each of the authentication steps. A first authentication step includes a numerical-based authentication step followed by a second authentication step including a live image authentication. If the user fails to be authenticated at either the first or the second authentication steps then a third authentication step to verify the user's passport is implemented.

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Jerrabomberra, Australia

Gerard Johan Landman