| CPC G06Q 20/4014 (2013.01) | 20 Claims |
|
1. A method for improving speed and reducing network latency associated with multi-factor authentication usage by generating, on behalf of a user device, at least a part of multi-factor authentication information for a current authentication request in accordance with earlier monitored data associated with execution of an earlier authentication request, without requiring user input pertaining to the generated part of multi-factor authentication information to be entered or obtained from the user device across a network, the method comprising:
monitoring, by one or more processors of a server system and at a first time, data associated with execution of a first authentication request for an electronic device,
the first authentication request being the earlier authentication request, and
the user device being the electronic device;
receiving, by the server system and at a second time, a request to complete a second authentication request that is requested for an electronic transaction requested by the electronic device,
the second authentication request being the current authentication request;
determining, by the server system, that the second authentication request is associated with a multi-factor authentication requirement for at least a first factor authentication information associated with a first factor requirement and a second factor authentication information associated with a second factor requirement;
identifying, by the server system, the first factor authentication information received during the electronic transaction;
generating, by the server system, based on determining that the second authentication request is associated with the multi-factor authentication requirement, and based on the monitored data, associated with execution of the first authentication request, being entered during a same browsing session, the second factor authentication information in accordance with the monitored data associated with execution of the first authentication request,
the second factor authentication information satisfying the second factor requirement, and
the second factor authentication information being the generated part of multi-factor authentication information;
generating an expiring universal resource locator (URL) that expires after a period of time has passed;
storing the second factor authentication information in a storage location accessible by the expiring URL; and
transmitting, by the server system and in connection with the second authentication request, an electronic message comprising:
the first factor authentication information, and
the expiring URL for retrieval of the second factor authentication information from the storage location.
|