Fraud detection system, method, and device

Abstract

The present invention provides a method of authenticating a transaction, the method having: responsive to receiving a request for authenticating a transaction involving a first device and including first device information defining at least one first device characteristic of the first device, obtaining second device information defining at least one second device characteristic of a second device associated with the transaction; determining a level of correlation between the first device information and the second device information; and authenticating the transaction based on the level of correlation between the first device information and the second device information, wherein the transaction is authenticated when the level of correlation between the first device information and the second device information is above a pre-determined threshold.

What is claimed is: 
     
         1 . A method for operating a user computing device, the method comprising:
 communicating with one or more components of the user computing device;   determining, by communicating with the one or more components of the user computing device, multiple identifiable characteristics of the user, the multiple identifiable characteristics including a location of the user computing device, and a biometric data set obtained on the user computing device;   maintaining a database of values that are based on the identifiable characteristics; and   responding to a user of the user computing device initiating a transaction by (i) making an authentication determination based at least in part on the values of the database, and (ii) communicating the authentication determination to a computing device of another entity for authorization of the transaction.   
     
     
         2 . The method of  claim 1 , wherein maintaining the database of values includes applying a weighting to each of the multiple identifiable characteristics. 
     
     
         3 . The method of  claim 2 , wherein applying the weighting includes dynamically applying the weighting based on a predetermined set of rules. 
     
     
         4 . The method of  claim 2 , wherein the weighting is dynamically applied based on a circumstance of the transaction. 
     
     
         5 . The method of  claim 1 , wherein maintaining the database of values includes combining values of two or more identifiable characteristics. 
     
     
         6 . The method of  claim 1 , wherein the authentication determination includes a score. 
     
     
         7 . The method of  claim 6 , wherein making the authentication determination includes making a determination that the score meets a threshold. 
     
     
         8 . The method of  claim 1 , wherein the authentication determination includes a weighted sum score. 
     
     
         9 . The method of  claim 1 , wherein the authentication determination includes authentication success/failure information. 
     
     
         10 . The method of  claim 1 , wherein the one or more components of the user computing device include a Global Positioning System (GPS) component of the user computing device. 
     
     
         11 . The method of  claim 10 , wherein determining the multiple identifiable characteristics includes determining a velocity of the user computing device based on the GPS component. 
     
     
         12 . The method of  claim 11 , wherein the one or more components of the user computing device include at least one of a gyroscope or accelerometer, and wherein the multiple identifiable characteristics include behavioral monitoring information of the user computing device. 
     
     
         13 . The method of  claim 12 , wherein determining the multiple identifiable characteristics includes determining a gait of the user using an output of the gyroscope or accelerometer of the user computing device. 
     
     
         14 . The method of  claim 1 , wherein the one or more components of the user computing device include an environmental unit, and wherein determining the multiple identifiable characteristics includes determining a characteristic environment of the user using the environmental unit. 
     
     
         15 . The method of  claim 14 , wherein the environmental unit determines at least one of a temperature or windspeed of the characteristic environment. 
     
     
         16 . The method of  claim 1 , wherein the one or more components of the user computing device include a graphical user interface (GUI). 
     
     
         17 . The method of  claim 16 , wherein determining the multiple identifiable characteristics includes determining a keying speed or keystroke frequency of the user. 
     
     
         18 . The method of  claim 16 , wherein determining the multiple identifiable characteristics includes determining an application tendency of the user in operating the user computing device. 
     
     
         19 . The method of  claim 1 , wherein the user computing device is a mobile computing device, and wherein determining the multiple identifiable characteristics includes determining a call history of the user computing device. 
     
     
         20 . The method of  claim 1 , wherein the biometric data set includes a data set that verifies at least one of a voice, fingerprint or retina of the user.