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:
Oct. 17, 2023
Filed:
Sep. 21, 2021
United Services Automobile Association (Usaa), San Antonio, TX (US);
Michael W. Lester, Fair Oaks Ranch, TX (US);
Debra Randall Casillas, Helotes, TX (US);
Richard A. Davey, San Antonio, TX (US);
Michael Frank Morris, San Antonio, TX (US);
Maland Keith Mortensen, San Antonio, TX (US);
John David Row, San Antonio, TX (US);
Thomas Bret Buckingham, Fair Oaks Ranch, TX (US);
Tammy Sanclemente, Helotes, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.