Patent ID: 9276923
Filing Date: 2016-03-01
CPC Classification: G06F,H04L

Claim Text:
1. A computer-implemented method comprising: receiving, with one or more processors, a user authentication request from a user device of a user, the user authentication request includes primary authentication information associated with the user and secondary authentication information associated with the user device of the user; detecting, with the one or more processors, a potentially fraudulent authentication attempt based on the primary authentication information and the secondary authentication information associated with the user device of the user; in response to detecting the potentially fraudulent authentication attempt, identifying, with the one or more processors, a contact of the user based on statistically weighted factors associated with the contact, the statistically weighted factors reflecting recent interaction between the contact and the user; determining, with the one or more processors, a preference of the contact of the user, the preference includes information associated with the contact and is determined from data associated with the contact and identifiable by the user; generating, with the one or more processors, an authentication challenge based on the preference of the contact of the user; and sending, with the one or more processors, the authentication challenge for display to the user on the user device.