Michael E. Toth

Processing authentication requests to secured information systems based on machine-learned user behavior profiles

Dynamically generating activity prompts to build and refine machine learning authentication models

Processing authentication requests to secured information systems using machine-learned user-account behavior profiles

Dynamically generating activity prompts to build and refine machine learning authentication models

Processing authentication requests to secured information systems using machine-learned user-account behavior profiles

Processing authentication requests to secured information systems using machine-learned user-account behavior profiles

Processing authentication requests to secured information systems based on machine-learned event profiles

Processing authentication requests to secured information systems based on user behavior profiles

Method and system for data communication and frictionless authentication

Data access control using multi-device multifactor authentication

Preventing unauthorized access to secure information systems using advanced pre-authentication techniques

System for across rail silo system integration and logic repository

Cross channel authentication elevation via logic repository

User authentication based on other applications

Sorting mobile banking functions into authentication buckets

User authentication based on historical transaction data

User authentication based on historical transaction data

Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements

Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements

Sorting mobile banking functions into authentication buckets

User authentication based on other applications

Determining user authentication requirements along a continuum based on a current state of the user and/or the attributes related to the function requiring authentication

DETERMINING USER AUTHENTICATION BASED ON USER PATTERNS WITHIN APPLICATION

Determining user authentication based on user/device interaction

Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location

PERSON-TO-PERSON (P2P) PAYMENTS VIA A SHORT-RANGE WIRELESS PAYMENT BEACON

WIDGET FOR PROMOTING PAYMENTS VIA A PERSON-TO-PERSON (P2P) PAYMENT RAIL

User authentication by geo-location and proximity to user's close network

Authentication level of function bucket based on circumstances

User authentication based on historical user behavior

User authentication based on historical transaction data

DETERMINING USER AUTHENTICATION REQUIREMENTS BASED ON THE CURRENT LOCATION OF THE USER IN COMPARISON TO A USER'S TRAVEL ROUTE

User authentication based on other applications

Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements

Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location

Sorting mobile banking functions into authentication buckets

Knowledge based verification of the identity of a user

ONLINE SESSION TRANSFER

COMPLETING MOBILE BANKING TRANSACTION WITH DIFFERENT DEVICES

COMPLETING MOBILE BANKING TRANSACTION FROM TRUSTED LOCATION

Offline mobile banking system

CUSTOMER-DEFINED ONLINE-BANKING ACCESS RESTRICTIONS

ONLINE BANKING ALERTS

Restricted access to online banking

Remote control for online banking

SYSTEMS FOR MANAGING ACCOUNT AGGREGATORS ACCESS TO FINANCIAL ACCOUNT INFORMATION