The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 05, 2022
Filed:
Jul. 31, 2018
Applicant:
Jpmorgan Chase Bank, N.a., New York, NY (US);
Inventors:
Eric Everson, Columbus, OH (US);
Benjamin R. Cohen, Philadelphia, PA (US);
Tim Skeen, New York, NY (US);
Kurt A. Baskette, Katy, TX (US);
Assignee:
JPMORGAN CHASE BANK, N.A., New York, NY (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 9/32 (2006.01); H04L 29/06 (2006.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
H04L 9/3228 (2013.01); G06Q 20/4016 (2013.01); H04L 9/3215 (2013.01); H04L 63/0838 (2013.01); H04L 2463/082 (2013.01);
Abstract
An embodiment of the present invention is directed to a Channel Dynamic Multifactor Authentication. This solution provides the capability to select a multifactor authentication channel (e.g., email, SMS, etc.) dynamically based on multiple sources of risk scoring input data. The risk decision engine may determine an optimal lowest risk delivery channel for delivery of a one-time passcode and/or implement an additional or alternative mechanism for user authentication or verification.