US 12,328,586 B2
Methods and systems for smart identification and step-up authentication
Sachin Kumar Singh, Pune (IN); Kaushal Shetty, O'Fallon, MO (US); and Venkata Satya Sivajee Pinnamaneni, Dardenne Prairie, MO (US)
Assigned to Mastercard International Incorporated, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Mar. 5, 2024, as Appl. No. 18/596,086.
Application 18/596,086 is a continuation of application No. 17/566,814, filed on Dec. 31, 2021, granted, now 11,924,646.
Prior Publication US 2024/0214821 A1, Jun. 27, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04W 12/67 (2021.01); G06Q 20/32 (2012.01)
CPC H04W 12/67 (2021.01) [G06Q 20/325 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A system comprising:
a memory device; and
a processor communicatively coupled to the memory device, the memory device storing computer-executable instructions, that when executed by the processor, cause the processor to perform operations comprising:
receiving, from a mobile device of a consumer, a Wi-Fi network risk assessment request, the Wi-Fi network risk assessment request associated with a Wi-Fi network connection of the mobile device;
upon receiving the Wi-Fi network risk assessment request, retrieving a plurality of connection-related data from the mobile device, the connection-related data being associated with the Wi-Fi network connection and one or more other Wi-Fi networks in range of the mobile device;
performing a Wi-Fi risk assessment of the Wi-Fi network connection based on the connection-related data;
transmitting a result of the Wi-Fi risk assessment to the mobile device for presentation via a user interface of the mobile device;
transmitting the result of the Wi-Fi risk assessment to an issuer server, the issuer server being associated with a payment account of the consumer; and
based on the result exceeding a predetermined threshold value, transmitting a step-up authentication alert to the issuer server,
said operation of performing the Wi-Fi risk assessment further comprising:
determining a respective Wi-Fi security parameter for each of the Wi-Fi network connection and the one or more other Wi-Fi networks;
based on the Wi-Fi security parameters, generating a security factor for the Wi-Fi network connection;
determining a respective channel frequency for each of the Wi-Fi network connection and the one or more other Wi-Fi networks; and
based on the respective channel frequencies, generating a channel frequency factor for the Wi-Fi network connection.