Patent ID: 8818906

Claim:
A method of authenticating a customer device, in conjunction with a requested interaction, the customer device associated with a customer, the method performed by an authentication entity processing portion in the form of a tangibly embodied computer, the method including: receiving data from the customer device, the data related to a requested interaction of the customer device with the authentication entity processing portion, the authentication entity processing portion maintained by an authentication entity, wherein the data comprises a username and password; inputting a device attribute, from the customer device, that constitutes an observed device attribute; securing a determined device attribute wherein the determined device attribute further comprises one or more of: date information, time information, merchant information and geographical information; performing an authentication test including comparing the observed device attribute vis-à-vis the determined device attribute; and based on the comparing, determining whether the authentication test is passed, and outputting approval of the requested interaction and a new device attribute to the customer device, if the authentication test is passed; and outputting disapproval of the requested interaction, if the authentication test is not passed; creating a varied device attribute by performing a calculation on the determined device attribute, based at least in part on whether the authentication test is passed; and performing an additional authentication test comparing the observed device attribute and the varied determined device attribute.