Acceptto Corporation (Portland, OR)

A system and method for rapid check-in and inheriting trust using a user entity device. The system and the method described herein allows the identity of a person to be continually proven because of user entity’s behavior and their biometrics. With all the fraud and risk that exist today, if someone has a user entity’s driver’s license they can do quite a bit of damage. An identity provider can tie a user’s identity to the device (e.g. a smartphone) and, once the user enters a location (e.g. airport, hotel or bank) it will be a continuous authentication process takes place as the device travels to the destination and it interacts with the services it provides.

Digital transactions of a variety of forms may result from a person authorized to enter in to the transaction but by parties that are either unauthorized to enter in to the transaction or threat actors or network bots who have acquired the ability to enter into the transaction in a way that is without authorization from a hostile environment. For instance, a stolen credit card number or bank account access may be utilized to make fraudulent purchases or transactions-exchanges. To gain improper access to the information an untrusted or stolen password could be used. An employee or member of staff can engage in conventional purchases or other activities within the organization even if they do possess authorization.

One feature of the disclosure is the ability to authenticating a user’s identity. This involves receiving an announcement about the arrival of a device user the check-in location of the first relieing party, making sure there is a reservation available for the user of the device; capturing context, biometric as well as behavioral information of the device user over a specified time period at the identity provider to establish a trust score forthe entity and then comparing it with the level of assurance required by the initial party; delivering a notification from the identity provider; receiving confirmation from the device

Certain aspects of the disclosure include a system for secure authentication of a user entity identity comprising: A processor that is connected to a network interface that is designed to receive an announcement of the arrival of a user entitydevice at a check-in location of a first relying party and then search for reservations for the user entity associated with the device used by the user If a reservation is found, send a user entity identity match request from the first relying party to an identity provider. contextual, biometric and behavioral characteristics of the person who is interacting with the device for a predetermined period of time at the identity provider in order to establish a trust score for the user entity. Then, compare thetrust score to a level of assurance that is required by the initial relying party; notify the device used by the user from the identity provider to verify that is based on biometric and behavioral factors and receive confirmation from the device that it is the user entity at the identity provider; and send an authentication signal to the first trusting party.

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