首页|Patent Issued for Favorite merchants selection in transaction based authenticati on (USPTO 11995175)
Patent Issued for Favorite merchants selection in transaction based authenticati on (USPTO 11995175)
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From the background information supplied by the inventors, news correspondents o btained the following quote: “Aspart of determining whether to grant a user acc ess to content (e.g., as part of determining whether to provide a caller access to a telephone system that provides banking information), a user of the user dev ice may be prompted with one or more authentication questions. Such questions ma y relate to, for example, a password of the user, a personal identification numb er (PIN) of the user, or the like. Those questions may additionally and/or alter natively be generated based on personal information of the user. For example, when setting up an account, a user may provide a variety of answers to predetermined questions (e.g., “Where was your father born?,” “Who was your best friend in high school?”), and those questions may be presented to the user as part of an a uthentication process. As another example, a commercially-available database of personal information may be queried to determine personal information for a user (e.g., their birthdate, birth location, etc.), and that information may be used to generate an authentication question (e.g., “Where were you born, and in what year?”). A potential downside of these types of authentication questions is that the correct answers may be obtainable and/or guessable for someone who has information about a particular user.
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