Invention Grant
- Patent Title: Authenticating a request for an electronic transaction
- Patent Title (中): 验证电子交易的请求
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Application No.: US14663739Application Date: 2015-03-20
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Publication No.: US09460438B1Publication Date: 2016-10-04
- Inventor: Michael Bender , David E. Nachman , Michael P. Shute
- Applicant: International Business Machines Corporation
- Applicant Address: US NY Armonk
- Assignee: International Business Machines Corporation
- Current Assignee: International Business Machines Corporation
- Current Assignee Address: US NY Armonk
- Agent Maeve Carpenter
- Main IPC: G06K5/00
- IPC: G06K5/00 ; G06Q20/40 ; G06Q50/00

Abstract:
In an approach for authenticating a request for an electronic transaction, a computer receives a request for an electronic transaction on a user account. The computer determines whether the request for the electronic transaction is suspicious, and responsive to determining the request is suspicious, the computer retrieves profile information for the user. The computer determines based on at least the profile information, one or more contacts of the user, wherein the one or more contacts are identified by the user. The computer then determines, based on at least a response from the one or more contacts, whether the request for the electronic transaction is suspicious, wherein determining the request is not suspicious validates authentication of the electronic transaction.
Public/Granted literature
- US20160275516A1 AUTHENTICATING A REQUEST FOR AN ELECTRONIC TRANSACTION Public/Granted day:2016-09-22
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