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1. (WO2009134683) DYNAMIC ACCOUNT AUTHENTICATION USING A MOBILE DEVICE

Pub. No.:    WO/2009/134683    International Application No.:    PCT/US2009/041620
Publication Date: Fri Nov 06 00:59:59 CET 2009 International Filing Date: Sat Apr 25 01:59:59 CEST 2009
IPC: G06Q 20/00
Applicants: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
BEENAU, Blayn
GRAY, William, J.
LANGUS, Jeffrey, D.
WHITTINGTON, David, P.
Inventors: BEENAU, Blayn
GRAY, William, J.
LANGUS, Jeffrey, D.
WHITTINGTON, David, P.
Title: DYNAMIC ACCOUNT AUTHENTICATION USING A MOBILE DEVICE
Abstract:
Providing dynamic authentication of a user requesting access to a system via a mobile device is disclosed. An account holder tailors a set of customized security challenges and responses. When a request for account authentication is received from a mobile device, the system conducts a multi-step user authentication process that includes dynamically selecting and prompting the user with the custom security challenges.