Patent ID: 8239677
Filing Date: 2012-08-07
Classification: G06F,G06Q,H04L

Abstract:
1. A method of controlling access by a user to vendor information technology systems using a verification/authentication engine, comprising: (a) receiving an inquiry to the verification/authentication engine on an authentication server from a vendor system to verify a particular user for a particular transaction; (b) based on an identification of a channel through which the user selects to access the vendor system and on vendor specified: (c) determining, by the verification/authentication engine on the authentication server, at least one of a confidence level or a score based on the extent to which the user correctly answers the questions; and (d) sending the at least one of the confidence level or the score to the vendor system configured to determine whether to grant or deny access by the user to the vendor information technology systems based on the at least one of the confidence level or the score.