| CPC G06Q 30/0185 (2013.01) [H04L 63/08 (2013.01)] | 20 Claims |
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1. A method, comprising:
receiving, by a computer device, a request from a device of a claimant for a new online account for accessing data stored in an enterprise system having a portfolio of accounts;
determining, by the computer device, an identity associated with the request;
determining, by the computer device, a risk score for the request based on risk criteria associated with the request, wherein the risk criteria include a degree to which the enterprise system being accessed exceeds a pattern determined by performing an Internet search for a name of the claimant;
determining, by the computer device, validation steps comprising challenge questions based on the risk score using algorithms;
revising, by the computer device, the algorithms used in determining the validation steps using machine learning;
executing, by the computer device, the validation steps;
determining, by the computer device, based on the executing the validation steps, that the validation steps have not been satisfied;
denying, by the computer device, the request from the device of the claimant for the new online account by sending an instruction to the enterprise system indicating that the identity associated with the request cannot be validated based on the validation steps having not been satisfied;
suspending network access of the device of the claimant to the portfolio of accounts in the enterprise system;
determining, by the computer device, a confidence score based on the validation steps and whether the confidence score is between a first threshold value and a second threshold value, the first threshold value being lower than the second threshold value; and
in response to the confidence score being between the first threshold value and the second threshold value, transmitting a call to an external validation service to verify the identity associated with the request, the external validation service being communicatively connected to the computer device.
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