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:
Jan. 24, 2023
Filed:
Sep. 14, 2020
International Business Machines Corporation, Armonk, NY (US);
Andrew Kinai, Nairobi, KE;
Fred Ochieng Otieno, Nairobi, KE;
Nelson Kibichii Bore, Lessos, KE;
Komminist Weldemariam, Ottawa, CA;
International Business Machines Corporation, Armonk, NY (US);
Abstract
Receive a transaction generated by a user of a non-internet application; identify transaction life cycle steps of previous similar transactions; and generate a transaction risk score for the transaction using machine learning models and a blockchain record of the previous similar transactions. In response to the transaction risk score exceeding a threshold value, authenticate the transaction and the user using two-step authentication. The two-step authentication uses challenge/answer templates derived from the blockchain record of previous transactions.