Patent ID: 9294456
Filing Date: 2016-03-22
CPC Classification: H04L

Claim Text:
1. A method of providing access to an account, comprising: receiving a request to gain access to the account; accessing data associated with the account; providing one or more questions associated with the data to a user, wherein at least one question has a difficulty level; receiving user answers to the one or more questions; for each user answer, modifying an overall trust-level score based on the difficulty level associated with the question and an accuracy of the user answer; wherein each user answer has a range of acceptable answers with upper and lower bounds and the overall trust-level score changes based on how much the user answer deviates from an exact answer, wherein an amount of increase of the overall trust-level score is inversely proportional to the deviation between the user answer and the exact answer; and if the trust-level score exceeds a predetermined amount, providing access to the account.