US 11,714,886 B2
Modifying application function based on login attempt confidence score
Amy Rose, Chapel Hill, NC (US); Joseph Aguayo, Fuquay Varina, NC (US); and David Stone, Wake Forest, NC (US)
Assigned to Truist Bank, Charlotte, NC (US)
Filed by Truist Bank, Charlotte, NC (US)
Filed on May 27, 2022, as Appl. No. 17/826,804.
Application 17/826,804 is a continuation of application No. 16/353,419, filed on Mar. 14, 2019, granted, now 11,392,677.
Prior Publication US 2022/0292169 A1, Sep. 15, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06F 21/31 (2013.01)
CPC G06F 21/316 (2013.01) [H04L 63/0876 (2013.01); H04L 63/1483 (2013.01); H04L 63/20 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a processor; and
a non-transitory computer-readable memory comprising instructions that are executable by the processor for causing the processor to:
receive a set of user activity observations associated with an authorized user of a user account;
generate a restriction rule for the user account based on the set of user activity observations;
validate a current login attempt as successful by comparing credentials received in relation to the current login attempt with stored account credentials; and
subsequent to validating the current login attempt as successful:
determine a confidence score associated with the current login attempt based on the set of user activity observations, the confidence score being determined from among a plurality of confidence scores associated with a plurality of access levels capable of being applied to the user account, each access level of the plurality of access levels conferring a respective level of access to the user account that is different than the other access levels of the plurality of access levels; and
prior to granting access to the user account, determine a level of access from among the plurality of access levels to grant to the user account based on the confidence score and the restriction rule.