Patent ID: 11916899
Assignee: YAHOO ASSETS LLC
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 0:
1. A computer-implemented method comprising:
receiving, by one or more processors, a request by a user for a transaction on an electronic platform;
determining, by the one or more processors, a risk associated with the requested transaction;
collecting information regarding the user via the electronic platform to determine a user profile;
determining, by the one or more processors, a current level of assurance associated with the user based on a gradient level determined over a period of time for a profile vector, an authentication vector, and a recovery strength vector, wherein the profile vector is determined based on a user profile comprising user information;
determining, by the one or more processors, that the risk exceeds the current level of assurance;
adjusting, by the one or more processors, the current level of assurance such that the adjusted level of assurance exceeds the risk, wherein adjusting the current level of assurance comprises collecting additional information of the user, updating the user profile based on the collected additional information, and adjusting the identity vector based on the updated user profile; and
after adjusting the current level of assurance, executing, by the one or more processors, the requested transaction on the electronic platform.