Patent ID: 9419957
Filing Date: 2016-08-16
CPC Classification: G06F,H04L

Claim Text:
1. A computer-implemented method, comprising: assigning, by a programmed computer, an authentication requirement rating to an activity; assigning, by the programmed computer, an authentication capability rating to each of one or more authentication methods, wherein the authentication capability rating indicates an ability of the one or more authentication methods to authenticate a user; receiving, at the programmed computer, over a network from a remote user access device, a request from a user to perform the activity; receiving, at the programmed computer over the network from the remote user access device, a first authentication sample result based on a first authentication attempt performed by the user using a first authentication method; determining, by the programmed computer, a current authentication rating for the user based on the authentication capability rating of the first authentication method and the first authentication sample result; adjusting, by the programmed computer, the current authentication rating determined for the user based on a second authentication method, wherein the second authentication method is a silent authentication method utilizing one or more factors determined about the user without presenting an explicit authentication challenge to the user; determining, by the programmed computer, whether to allow the user to perform the requested activity based on a comparison of the authentication requirement rating associated with the activity requested by the user and the adjusted current authentication rating determined for the user; and providing, by the programmed computer over the network to the remote user access device, a final authentication result.