Dynamic value appended to cookie data for fraud detection and step-up authentication
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United States of America
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Dec 31, 2024
Grant Date -
Jan 5, 2023
app pub date -
Jun 30, 2021
filing date -
Jun 30, 2021
priority date (Note) -
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status (Latency Note)
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Abstract
There are provided systems and methods for a dynamic value appended to cookie data for fraud detection and step-up authentication. A service provider, such as an electronic transaction processor for digital transactions, may utilize computer cookies for authentication and/or login for a user account. In order to further secure cookies from being compromised and used by malicious parties for fraudulent account access, the service provider may add or append a dynamic value that changes at each subsequent login to the computer cookie. The dynamic value may be used so that if a computer cookie is misappropriated, only one device may use the cookie once without the cookie updating and invalidating the cookie with another device or application on the device. Thereafter, when a login is requested, the dynamic value is matched to an expected value by the service provider when determining whether to authenticate the device.
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