Patent ID: 8984607
Filing Date: 2015-03-17
Classification: G06F,G06Q,H04L

Abstract:
1. A computer-implemented method comprising: receiving, by a processor, an indication that a first user and a second user wish to conduct a transaction; pseudo-randomly determining an authentication path to be presented to the first user and the second user, the authentication path comprising a combination of authentication challenges to be presented to the first user and the second user, the authentication challenges comprising at least a first authentication challenge, a second authentication challenge, and a third authentication challenge; wherein pseudo-randomly determining the authentication path comprises pseudo-randomly determining a first order for the authentication challenges to authenticate the first user and determining the authentication path comprises pseudo-randomly determining a second order for the authentication challenges to authenticate the second user; determining, by the processor, whether the first and second users presented valid responses to the authentication challenges; and authenticating, by the processor, whether to authenticate the first and second users to conduct the transaction based on whether the first and the second users presented valid responses to the authentication challenges, wherein the authentication path is determined prior to the receiving step, and wherein the authentication path is presented to all users with transaction requests meeting predetermined parameters, one of the predetermined parameters being a time period.