System and method for fraud detection in a mobile device

    公开(公告)号:US10607226B2

    公开(公告)日:2020-03-31

    申请号:US14962365

    申请日:2015-12-08

    Abstract: A user device comprising: i) transmit path circuitry and receive path circuitry configured to communicate with a payment server; and ii) processing circuitry configured to control the transmit path circuitry and receive path circuitry. The processing circuitry is further configured to: a) receive a user input related to a payment process; b) calculate a risk score indicative of a likelihood of fraudulent activity associated with the payment process, wherein the risk score calculation is based on confidential information associated with the user that is stored on the user device; and c) transmit to the payment server a payment action and the risk score associated with the payment action without disclosing the confidential information. The confidential information comprises personally identifiable information and/or private information of the user. The processing circuitry calculates the risk score using a risk base model received from a model server.

    SYSTEM AND METHOD FOR RESOURCE ACCESS AUTHENTICATION

    公开(公告)号:US20190342298A1

    公开(公告)日:2019-11-07

    申请号:US16399865

    申请日:2019-04-30

    Abstract: A method of providing continuous user authentication for resource access control includes launching a continuous authentication service at a boot time of a first device, wherein the first device includes a processor, a memory, and one or more sensors configured to collect authentication information. Additionally, the method includes receiving authentication information comprising one or more of explicit authentication information or implicit authentication information, and receiving a request for access to a resource of the first device. Further, the method includes the operations of determining, by the continuous authentication service, a current value of a security state, the current value of the security state based in part on a time interval between a receipt time of the authentication information and a current time and controlling access to the resource based on the current value of the security state.

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