Patent Document ID: 9516035
Application ID: 14855532
Patent Flag: 1

Claim One:
1. A method of user verification comprising: observing, by a computer processor, behavioral characteristics of user interactions during a current session with a user through a channel; identifying, in real-time or near real-time, variations between the behavioral characteristics of the user interactions observed during the current session and a behavioral profile previously developed based on prior usage patterns of the user through the channel, wherein the behavioral profile is based on clicktrail data and authentication logs; implementing, by the computer processor, a challenge to proceed in the current session, the challenge based on the variations between the behavioral characteristics and the behavioral profile and on a risk level of requested activities of the current session; and when the challenge to proceed in the current session disallows the user to continue in the current session: analyzing, by the computer processor, behavioral biometrics of the user, comparing, by the computer processor, the behavioral biometrics of the user with one or more previous samples of the behavioral biometrics of the user, and when the comparison of the behavioral biometrics of the user with the one or more previous samples of the behavioral biometrics of the user is within a tolerance, allowing, by the computer processor, the current session to proceed.