SYSTEMS AND METHODS FOR EFFICIENT AUTHENTICATION OF USERS

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United States of America Patent

APP PUB NO 20140189835A1
SERIAL NO

13729674

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Abstract

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Systems and methods for efficient user authentication in a client-server system using a tiered, risk-based approach including a no-risk tier are provided. When a user requests access to the system for a no-risk feature, the user is registered without an additional authentication test. When the user later requests a higher risk transaction, the user is provided with the appropriate third-party additional authentication test based upon the risk level and applicable vendor profile. During no-risk access to the system, user data is collected that may be used with the additional authentication test at the appropriate time.

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Patent Owner(s)

Patent OwnerAddress
PITNEY BOWES INCONE ELMCROFT ROAD STAMFORD CT 06926

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Umerley, Raymond Wilton, US 1 22

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