Patent ID: 8875267

Claim:
A method for processing an authentication request for one or more risk-based authentication operations from an authentication requestor, the authentication request including a user identifier and current user data, the method comprising: receiving the authentication request from said authentication requester; comparing the current data for the user associated with the user identifier with historical data for the user; generating an adaptive authentication result based on said comparison indicating a likelihood that the current user data is associated with a fraudulent user; and performing one or more additional authentication operations in addition to said one or more risk-based authentication operations to improve learning if said authentication request satisfies one or more predefined non-risk based criteria based on a confidence of a riskiness score associated with said authentication request relative to a confidence threshold, wherein said one or more predefined non-risk based criteria are not dependent on a risk associated with said authentication request and wherein said one or more additional authentication operations are used to update an adaptive authentication model, wherein at least one of said steps are performed by at least one hardware device.