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:
Jun. 03, 2014
Filed:
Jun. 09, 2009
James M. Ashfield, Charlotte, NC (US);
David C. Shroyer, Matthews, NC (US);
Eric Charles Mcconnell, Charlotte, NC (US);
James M. Ashfield, Charlotte, NC (US);
David C. Shroyer, Matthews, NC (US);
Eric Charles McConnell, Charlotte, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Embodiments of the invention relate to apparatuses and methods for identity verification. For example, in one embodiment, a financial institution has a system to generate authentication questions to be used when authenticating a customer when the customer is trying to access and/or use the customer's account. The authentication system is configured to ask one or more authentication questions each time the customer tries to access or use the account, where the authentication questions are generally out-of-wallet questions that constantly change from one authentication attempt to the next. For example, in one embodiment, the questions include behavioral, historical, and transaction based questions generated from information available about a customer's financial account. In some embodiments, the authentication engine is configured to generate authentication questions based at least partially on a risk rating associated with the authentication request and/or on the communication channel from which the request is received.