Patent ID: 9460438
Filing Date: 2016-10-04
CPC Classification: G06F,G06Q,H04L

Claim Text:
1. A method for authenticating a request for an electronic transaction, the method comprising: receiving, by one or more computer processors, a request for an electronic transaction on an account associated with a user; determining, by one or more computer processors, whether the request for the electronic transaction is suspicious; responsive to determining the request is suspicious, retrieving, by one or more computer processors, profile information for the user; determining, by one or more computer processors, based on at least the profile information, one or more contacts of the user, wherein the one or more contacts are identified by the user; and determining, by one or more computer processors, based on at least a response from the one or more contacts, whether the request for the electronic transaction is suspicious, wherein determining the request is not suspicious validates authentication of the electronic transaction.