US 11,775,979 B1
Adjustment of knowledge-based authentication
Michael Burger, Rancho Santa Margarita, CA (US)
Assigned to ConsumerInfo.com, Inc., Costa Mesa, CA (US)
Filed by ConsumerInfo.com, Inc., Costa Mesa, CA (US)
Filed on Feb. 18, 2022, as Appl. No. 17/651,762.
Application 17/651,762 is a continuation of application No. 16/986,826, filed on Aug. 6, 2020, granted, now 11,288,677.
Application 16/986,826 is a continuation of application No. 16/222,016, filed on Dec. 17, 2018, granted, now 10,740,762, issued on Aug. 11, 2020.
Application 16/222,016 is a continuation of application No. 15/459,927, filed on Mar. 15, 2017, granted, now 10,169,761, issued on Jan. 1, 2019.
Application 15/459,927 is a continuation of application No. 14/208,595, filed on Mar. 13, 2014, granted, now 9,633,322, issued on Apr. 25, 2017.
Claims priority of provisional application 61/790,321, filed on Mar. 15, 2013.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 10/0635 (2023.01)
CPC G06Q 20/405 (2013.01) [G06Q 10/0635 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/4016 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system comprising:
one or more processors; and
a non-transitory computer-readable storage medium storing computer-executable instructions that cause the one or more processors to:
receive device information associated with a computing device gathered through device information gathering code executed by the computing device, wherein the device information is received in response to a request for a service of a service provider, wherein the request is made from an individual alleging to be a particular consumer, wherein the device information includes at least one or more of:
a device identifier for the computing device,
geolocation of the computing device,
a characteristic of a browser operating on the computing device, or
information pertaining to a proxy service;
determine a fraud risk for the computing device or the request, wherein the fraud risk is determined at least in part by comparing the device information with information previously associated with the particular consumer, wherein an identity of the particular consumer is unknown to the service provider, wherein the fraud risk is based on one or more potential fraud behaviors derived from at least the device information;
determine that the fraud risk meets a predetermined risk threshold;
transmit to the service provider an indication of high risk associated with the computing device or the request; and
lock new account opening opportunities with respect to the particular consumer such that the system, while the lock remains in effect, prevents any new accounts with a plurality of service providers from being opened using identity information of the particular consumer.