{
  "patent_number": "US 10169761",
  "country": "US",
  "title": "How Banks Dynamically Adjust Security Questions Based on Your Behavior",
  "original_title": "Adjustment of knowledge-based authentication",
  "summary": "A system that automatically changes the difficulty and number of security questions you face when opening a bank account based on your device data and risk level.",
  "what_it_does": "This patent describes a system that monitors your device information—like your location, IP address, and browser settings—when you try to open a new financial account. An authentication server uses this data to calculate a fraud risk score. If the system suspects something is off, it generates a set of security questions tailored to that risk level. As you answer these questions, the system dynamically adds, removes, or changes the questions in real-time to either lock you out or verify your identity more thoroughly.",
  "what_it_does_not_cover": [
    "Does not cover static security questions that remain the same regardless of user behavior.",
    "Does not cover authentication methods that rely solely on passwords or PINs without dynamic adjustment.",
    "Does not cover biometric authentication methods like fingerprint or facial recognition.",
    "Does not cover systems that do not use device identification information to calculate a fraud risk score."
  ],
  "filed": "2017-03-15",
  "granted": "2019-01-01",
  "expires": null,
  "status": "active",
  "holder": "Consumerinfo com Inc",
  "holder_url": "https://patentbrief.org/company/consumerinfo-com-inc",
  "inventors": [
    {
      "name": "Michael Burger",
      "url": "https://patentbrief.org/inventor/michael-burger"
    }
  ],
  "times_cited": 13,
  "tags": [
    "finance",
    "software",
    "ai_ml"
  ],
  "abstract": "Systems and methods are provided for adjustment of difficulty level, quantity, and/or other parameters of knowledge-based authentication. The questions may be asked of a consumer based on one or more generated risk scores associated with the consumer's behavior, which may be derived from information received from the consumer, a representative responsible for entering information regarding the consumer, and/or from the consumer's computing device.",
  "url": "https://patentbrief.org/patent/us/10169761/stripe-atlas",
  "markdown_url": "https://patentbrief.org/patent/us/10169761/stripe-atlas/md",
  "google_patents_url": "https://patents.google.com/patent/US10169761",
  "relatedPatents": []
}