ENHANCED USER AUTHENTICATION PLATFORM
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United States of America Patent
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Issued Date -
Jan 7, 2016
app pub date -
Jul 1, 2015
filing date -
Jul 3, 2014
priority date (Note) -
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status (Latency Note)
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Abstract
Systems and methods for multi-factor user authentication techniques usable in transactions. In some embodiments, an authentication platform receives a request to authenticate a user in conjunction with an online transaction and determines an authentication rule. The authentication platform then transmits an authentication request to the user's mobile device, receives authentication response data from the user mobile device, and authenticates the user in conjunction with the transaction when the authentication response data matches stored user authentication data. An authentication message is then transmitted to the user's mobile device. In some embodiments, the authentication response data is biometric data of the user obtained from at least one authenticator of the user's mobile device.
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