Automatic Learning Multi-modal Fraud Prevention (lmfp) System

  • Published: Jun 21, 2016
  • Earliest Priority: Mar 20 2013
  • Family: 2
  • Cited Works: 0
  • Cited by: 1
  • Cites: 6
  • Additional Info: Full text

A computerized learning multi-modal fraud prevention system and method for generating a data signature of a user, such as one engaged in electronic commerce, to prevent fraudulent activities by machines and persons imitating the user. Steps comprise: fetching a signal of a user's signature stored in memory; generating at least one challenge sequence based on the signal to create a second signature; presenting the generated challenge sequence to the user; collecting the user's challenge response to the generated challenge sequence; computing a quality factor between the user's challenge response and the generated challenge sequence; computing a transaction quality factor and content quality factor and reporting an impostor or re-challenging if the quality factor is below a threshold. Lastly, generating a new signature based on any portion of a user's challenge response and/or any portion of the previously generated signature and/or any portion of collectable information from the user's device memory.

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Document History
  • Publication: Jun 21, 2016
  • Application: Mar 20, 2014
    US US 201414220407 A
  • Priority: Mar 20, 2014
    US US 201414220407 A
  • Priority: Mar 20, 2013
    US US 201361803463 P

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