Patent ID: 9633355
Date: 2017-04-25
CPC Classifications: G06Q,H04L

Claim:
1. A method for verifying an identity of a user, comprising: receiving a request from a user device for a user to conduct an activity with an enterprise; determining, by a processor, an authentication level associated with the activity; determining, by a processor, a first channel from which the interface received the request from the user device to conduct the activity with the enterprise; receiving information associated with the user from a self-service channel, the self-service channel being a channel operated by the user; receiving information associated with the user from an associate-assisted channel, the associate-assisted channel being a channel operated by an associate of the enterprise; associating, by the processor, a first risk with the user based on the information associated with the user received from the self-service channel; associating, by the processor, a second risk with the user based on the information associated with the user received from the associate-assisted channel; determining, by the processor, an authentication mechanism based on the first risk, second risk, and the authentication level, the authentication mechanism being information provided by the user that verifies the identity of the user; generating, by the processor a token based on the authentication mechanism, authentication level, the first risk, and the second risk; and communicating the token to the user device, the token instructing the user to provide the authentication mechanism that complies with the first risk, second risk, and the authentication level.