Systems, methods, and computing platforms for executing credential-less network-based communication exchanges
US-12184638-B2 · Dec 31, 2024 · US
Out-of-band challenge question authentication
US8990909B2 · US · B2
| Field | Value |
|---|---|
| Publication number | US-8990909-B2 |
| Application number | US-201313926009-A |
| Country | US |
| Kind code | B2 |
| Filing date | Jun 25, 2013 |
| Priority date | Jun 25, 2013 |
| Publication date | Mar 24, 2015 |
| Grant date | Mar 24, 2015 |
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Abstract
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A system and method for challenge question authentication comprises determining whether a log-in attempt requires additional authentication. A user attempts to log-in using a first application and a first delivery channel. When additional authentication is required, a challenge question is communicated to the user using a second application and a second delivery channel. The challenge question is specific to the user. An answer to the challenge question is received, and the user provides the answer using the first application and the first delivery channel. The log-in attempt is completed when the answer to the challenge question is correct.
First claim
Opening claim text (preview).
What is claimed is: 1. An apparatus for authenticating a log-in attempt, comprising: a processor operable to: receive the log-in attempt from a user using a first application and a first delivery channel; and determine a first location associated with the user during the log-in attempt; a network interface communicatively coupled to the processor is operable to: communicate a user-specific challenge question to a device associated with the user using a second application a…
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Frequently asked questions
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- What does patent US8990909B2 cover?
- A system and method for challenge question authentication comprises determining whether a log-in attempt requires additional authentication. A user attempts to log-in using a first application and a first delivery channel. When additional authentication is required, a challenge question is communicated to the user using a second application and a second delivery channel. The challenge question …
- Who is the assignee on this patent?
- Bank Of America
- What technology area does this patent fall under?
- Primary CPC classification H04L63/08. Mapped technology areas include Electricity.
- When was this patent published?
- Publication date Tue Mar 24 2015 00:00:00 GMT+0000 (Coordinated Universal Time) (B2). Legal status and post-grant events are not shown on this page.
- What related patents are in patentsdb?
- We list 8 related publications on this page (citations in our corpus or others sharing the same primary CPC).