System and method for fraud monitoring, detection, and tiered user authentication

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7908645
APP PUB NO 20060282660A1
SERIAL NO

11412997

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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The present invention provides systems and methods for authenticating access requests from user devices by presenting one of a plurality of graphical user interfaces selected depending on a perceived risk of fraud associated with the devices. User devices are identified with fingerprinting information, and their associated risks of fraud are determined from past experience with the device or with similar devices and from third party information. In preferred embodiments, different graphical user interfaces are presented based on both fraud risk and, in the case of a known user, usability. In preferred embodiments, this invention is implemented as a number of communicating modules that identify user devices, assess their risk of fraud, present selected user interfaces, and maintain databases of fraud experiences. This invention also includes systems providing these authentication services.

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Patent Owner(s)

  • ORACLE INTERNATIONAL CORPORATION

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Durai, Don Bosco Fremont, US 7 1185
Fisher, Jon Bryan Tiburon, US 7 1185
Harris, Steven Lucas Foster City, US 6 1172
Varghese, Thomas Emmanual San Mateo, US 8 1899

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