Patent ID: 8756705
Filing Date: 2014-06-17
Classification: G06F,H04L

Abstract:
1. A method, comprising: determining, by a system comprising one or more computers, that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied, wherein the increased authentication proposal is associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service; generating, by the system based upon determining that the condition is satisfied, the increased authentication proposal, wherein the increased authentication proposal comprises a recommendation for increased authentication associated with (i) the user of the online financial service and (ii) the user request option associated with the online financial service; transmitting, by the system for presentation to the user, the generated increased authentication proposal; receiving, by the system, an increased authentication proposal response; and processing, by the system, the received increased authentication proposal response to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism.