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:
May. 08, 2018
Filed:
Oct. 30, 2015
Bank of America Corporation, Charlotte, NC (US);
Elizabeth S. Votaw, Potomac, MD (US);
Alicia C. Jones-McFadden, Fort Mill, SC (US);
David M. Grigg, Rock Hill, SC (US);
Peter John Bertanzetti, Charlotte, NC (US);
Michael E. Toth, Charlotte, NC (US);
Carrie Anne Hanson, Charlotte, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Embodiments are directed to systems, methods and computer program products for providing user authentication based on historical user patterns. Embodiments of the present invention may be configured to communicate code executable by a computing device that causes the computing device to monitor user patterns of a user based on the user interacting with the computing device; receive baseline user patterns to identify the user; identify, from the baseline user patterns, one or more routine actions performed by the user operating the computing device; receive a request to perform a transaction, wherein the transaction is associated with a level of security that must be authenticated; receive identification user patterns of the user based on the user interacting with the computing device; determine a threshold score based on comparing the identification user patterns with the baseline user patterns; and alter the level of security.