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:
Dec. 01, 2015
Filed:
Mar. 20, 2012
Debra Casillas, Helotes, TX (US);
Richard Andrew 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 Buckingham, Fair Oaks Ranch, TX (US);
Tammy Sanclemente, Helotes, TX (US);
Debra Casillas, Helotes, TX (US);
Richard Andrew 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 Buckingham, Fair Oaks Ranch, TX (US);
Tammy Sanclemente, Helotes, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a channel, acquiring identifying information relating to the user, receiving, from the user, a request to engage in an activity, determining an activity trust threshold required for the activity, based on the identifying information, determining an initial identity trust score for the user based on the identifying information, comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.