Khang Dieu Tran

US Patent:

20120159647, Jun 21, 2012

Filed:

Nov 21, 2011

Appl. No.:

13/300876

Inventors:

Aleksey Sanin - Sunnyvale CA, US
William D. Clerico - Palo Alto CA, US
Richard Aberman - Palo Alto CA, US
Eric Stern - Los Altos CA, US
Khang Tran - San Jose CA, US

International Classification:

G06F 21/24
G06F 15/16

US Classification:

726 28

Abstract:

A new approach is proposed that contemplates systems and methods to support user identity verification based on social and personal information of the user. Under the approach, customers/users are required to grant identity verifying party a degree of access to their social network information, including but not limited to, account data and social graph information on social networks. The identity verifying party then acquires information of a current or potential user's online presence in addition to other information of the user and utilizes such information to verify the user's identity in the real world and/or to assess the fraud risk of a specific financial transaction requested by the user.