Patent ID: 9185095
Filing Date: 2015-11-10
Classification: G06F,H04L

Abstract:
1. A method of user verification comprising: observing, by a computer processor, behavioral characteristics of user interactions during a current session with a user through one of a plurality of channels; identifying, in real-time or near real-time, variations between the behavioral characteristics of the user interactions observed during the current session and a behavioral profile previously developed based on prior usage patterns of the user through the plurality of channels, wherein the behavioral profile is based on clicktrail data and authentication logs; implementing, by the computer processor, a challenge level to proceed in the current session, the challenge level based on the variations between the behavioral characteristics and the behavioral profile and on a risk level of requested activities of the current session; and when the challenge level to proceed in the current session disallows the user to continue in the current session: analyzing, by the computer processor, behavioral biometrics of the user, comparing, by the computer processor, the behavioral biometrics of the user with one or more previous samples of the behavioral biometrics of the user, and when the comparison of the behavioral biometrics of the user with the one or more previous samples of the behavioral biometrics of the user is within a tolerance, allowing, by the computer processor, the current session to proceed without requesting a user response or notifying the user of the challenge level.