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

Claim 10:
11. A computer system comprising:
a data storage device storing processor-readable instructions; and
a processor configured to execute the instructions to perform a method including:
receiving a request by a user for a transaction on an electronic platform;
determining a risk associated with the requested transaction;
collecting information regarding the user via the electronic platform to determine a user profile;
determining 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 that the risk exceeds the current level of assurance;
adjusting the current level of assurance such that the adjusted level of assurance exceeds the risk, wherein adjusting the current level of assurance 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 the requested transaction on the electronic platform.