Patent ID: 11937090
Assignee: MORGAN STANLEY SERVICES GROUP INC.
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 0:
1. A system comprising:
an application server for hosting a mobile application service, wherein the application server comprises a first processor and a first memory;
a mobile device comprising a second processor and s second memory, wherein the memory is configured to store a mobile application for the mobile application service installed thereon, wherein the processor is configured to execute the mobile application; and
a third party server comprising a third processor and a third memory,
wherein the first memory of the application server stores instructions executable on the first processor of the application server, wherein the instructions are configured to cause the application server to:
receive a log-in request for the mobile application service from the mobile device, wherein the log-in request includes device identifying information for the mobile device;
transmit, to the third party server, a request for a status setting for the mobile application, wherein the request comprises the device identifying information for the mobile device, and wherein the status setting comprises a plurality of bits, and wherein the third party server retrieves the status setting from a database based on the device identifying information for the mobile device;
receive from the third party server, the status setting for the mobile application;
determine a risk rating for the log-in request based in part on the status setting for the mobile application;
determine whether the status setting for the mobile application has changed from a previous non-active state to an active state; and
upon determining that the status setting has changed from the previous non-active state to the active state, begin an authentication session for the mobile device.