System and method for graduated security in user authentication
US-9195820-B2 · Nov 24, 2015 · US
US9348992B2 · US · B2
| Field | Value |
|---|---|
| Publication number | US-9348992-B2 |
| Application number | US-201113007042-A |
| Country | US |
| Kind code | B2 |
| Filing date | Jan 14, 2011 |
| Priority date | Jul 2, 2010 |
| Publication date | May 24, 2016 |
| Grant date | May 24, 2016 |
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Methods and systems to automatically respond to make a Super Identity by linking two identities and methods and systems to use the identities include a transaction authorization module that receives a request associated with a first identity record associated with a user, the request being for information associated with a second identity record. An identity linking module identifies that the second identity record is linked to the first identity record and retrieves the information associated with the second identity record. The transaction authorization module also generates a response including the information associated with the second identity, and transmits the response.
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We claim: 1. A method, comprising: receiving, from a merchant having access to a first identity record associated with a user, a request associated with the first identity record, the request being for payment instrument information of the user for execution of a transaction by the merchant, the payment instrument information being associated with a second identity record, the payment instrument information being selected from the group consisting of a payment account identifier,…
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