Patent ID: 7143095
Filing Date: 2006-11-28
Classification: G06F,G06Q,Y10S

Abstract:
1. A method implemented by a computer for facilitating issuance of an identity associated with an account comprising: receiving at said computer, a request for said identity, wherein said identity is associated with an account; determining, at said computer, authentication rules associated with said account, wherein authentication questions to be asked of a user are based upon said authentication rules; issuing, by said computer, said identity to said user when at least a portion of said authentication questions are correctly answered; monitoring, by said computer, changes in a relationship between said user and said identity over a period of time to periodically perform an automatic adjustment of said authentication questions upon a deterioration of said relationship, wherein said deterioration of said relationship is based upon user activity; evaluating a current transaction of said user; comparing said current transaction to previous transactions performed by said user; and, assigning a positive weight for a similar transaction by said user.