SYSTEMS AND METHODS FOR EFFICIENT AUTHENTICATION OF USERS
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United States of America Patent
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Issued Date -
Jul 3, 2014
app pub date -
Dec 28, 2012
filing date -
Dec 28, 2012
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
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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