TRANSACTION RISK ASSESSMENT BASED ON AFFINITY BETWEEN COMBINATIONS OF USERS AND DEVICES

TRANSACTION RISK ASSESSMENT BASED ON AFFINITY BETWEEN COMBINATIONS OF USERS AND DEVICES

A method includes performing by a processor: receiving a transaction request associated with a first user from a first device where a combination of the first user and the first device lacks an authentication history, determining that the first user or the first device is associated with a second us...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Vadassery, Lyju Rappai, Venkataraman, Seshadri, Nandakumar, Vikrant, Kulkarni, Vijay Shashikant
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
ELECTRIC COMMUNICATION TECHNIQUE
ELECTRICITY
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION
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Beschreibung
Zusammenfassung:A method includes performing by a processor: receiving a transaction request associated with a first user from a first device where a combination of the first user and the first device lacks an authentication history, determining that the first user or the first device is associated with a second user or a second device, determining that the second user or the second device has been authenticated, generating an affinity score that is representative of the association between the first user or the first device and the second user or the second device, and selecting an authentication requirement for acceptance of the transaction request based on the affinity score.