首页>
外国专利>
SYSTEM AND METHODS FOR DYNAMICALLY DETERMINED CONTEXTUAL, USER-DEFINED, AND ADAPTIVE AUTHENTICATION CHALLENGES
SYSTEM AND METHODS FOR DYNAMICALLY DETERMINED CONTEXTUAL, USER-DEFINED, AND ADAPTIVE AUTHENTICATION CHALLENGES
展开▼
机译:动态确定上下文,用户定义和自适应认证挑战的系统和方法
展开▼
页面导航
摘要
著录项
相似文献
摘要
An adaptive authentication (AA) computer device used for improved payment transaction authentication services is provided. The AA computer device includes at least one processor in communication with at least one memory device and is configured to retrieve historical transaction data and authentication types for each historical transaction. The AA computer device is also configured to generate a model associating each of the authentication types with a corresponding set of values for transaction parameters. The AA computer device is further configured to receive pending transaction data including a cardholder identifier of a first cardholder, a merchant identifier, and a transaction amount. The AA computer device is further configured to determine an authentication type by applying the model to the transaction parameters derived from the pending transaction and transmit to the first cardholder an authentication request of the authentication type.
展开▼