Time based risk management mechanisms
Number of patents in Portfolio can not be more than 2000
United States of America
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Feb 4, 2025
Grant Date -
Jan 27, 2022
app pub date -
Dec 3, 2018
filing date -
Dec 3, 2018
priority date (Note) -
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status (Latency Note)
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Abstract
Techniques for identifying a fraudulent interaction of a user device using time based risk features are described herein. In embodiments, time stamp information provided by an external clock and time units may be maintained by a user device. The user device may include an authentication component that is communicatively coupled to a clock component that generates the time units. In response to conducting an interaction with an access device and user device first time information may be received from the access device. Second time information may be determined based at least in part on the time units from the clock component and the time stamp information. The second time information may be compared to the first time information. An authentication plan for the interaction may be determined based at least in part on the comparison of the second time information to the first time information.
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