Patent Application Titled 'Method for Determining the Likelihood for Someone to Remember a Particular Transaction' Published Online (USPTO 20240370867)
Patent Application Titled 'Method for Determining the Likelihood for Someone to Remember a Particular Transaction' Published Online (USPTO 20240370867)
Reporters obtained the following quote from the background information supplied by the inventors: “Auser is often required to be authenticated in order to gran t the user access to sensitive information or to perform a financial transaction . Conventional systems for authenticating a user may be circumventedby a sophis ticated fraudster or imposter. For example, conventional systems may ask the use r one ormore challenge questions and may authorize the user if the user answers the challenge questions correctly.However, these conventional systems are typi cally only capable of generating simple challenge questionsthat relate to basic information of the user such as where the user went to high school. A sophistic atedimposter may easily obtain answers to such simple challenge questions, ther eby reducing the effectivenessof these conventional systems.
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