Patent ID: 8380629
Filing Date: 2013-02-19
Classification: G06Q

Abstract:
1. A method comprising: during a first transaction, providing a challenge message to a consumer, wherein a correct response to the challenge message is not known by an entity issuing the challenge message; receiving, from the consumer, a first challenge response that is responsive to the challenge message, wherein the first challenge response is not used to authorize the first transaction; repeating the providing of the challenge message to the consumer and receiving a subsequent challenge response from the consumer during each of one or more processes for authorizing a respective other transaction requested by the consumer, wherein none of the subsequent challenge responses are used in a determination of whether the consumer is authorized to make any of the respective other transactions; one or more processors inferring a verified answer to the challenge message based at least on a similarity of the received challenge responses; and the one or more processors using the challenge message, the verified answer, and another challenge response that is responsive to the challenge message in a process for determining whether the consumer is authorized to conduct a later transaction which takes place after the respective other transactions.