Patent Document ID: 10154030
Application ID: 15317735
Patent Flag: 1

Claim One:
1. A computer-implemented method for calculating a risk score for a user or entity associated with the user, the method comprising: a. calculating, by a facial evaluation system operatively associated with an electronic processor, a liveliness check score in response to analysis of image data associated with at least one anatomical change associated with an interaction between the user and a facial recognition application; b. calculating, by the facial evaluation system, a facial confirmation score by: i. generating a facial vector map based on image data associated with the user, ii. collecting data derived from at least one access device associated with the user or at least one identity input associated with the user, and iii. comparing at least a portion of the facial vector map data, the access device data, or the identity input data against at least a portion of image data stored in at least one database; c. calculating, by the facial evaluation system, an authorization score for the user in response to the calculated liveliness check score and the calculated facial confirmation score; d. calculating, by a risk evaluation system operatively associated with an electronic processor, a user score in response to at least a portion of profile data associated with at least one web-based or online environment associated with a user account of the user; e. combining the calculated user score, the calculated liveliness check score, and the calculated facial confirmation score to generate an overall risk score for the user or the entity associated with the user; f. determining if the authorization score is sufficient to authenticate the user; g. one of combining or replacing the authorization score with the overall risk score if the authorization score is determined to be insufficient to authenticate the user; and h. transmitting at least one of the authorization score, the combined authorization score and overall risk score, or the overall risk score.