Equifax Inc.
VERIFICATION OF ACCESS TO SECURED ELECTRONIC RESOURCES

Abstract:

Aspects and examples are disclosed for improving multi-factor authentication techniques to control access to secured electronic resources. In one example, a decisioning computer system evaluates, based on a passive-dimension decision process, an access request, received from a user device, for a secured electronic resource. The passive-dimension decision process can evaluate dimensions associated with the access request, such as identity or device characteristics, to determine whether the dimensions of the access request are outside of norms for the user. Based on the passive-dimension decision model, the decisioning computing device may communicate to the user device an access decision, the access decision describing one or more of an access authorization, a denial of access, or a supplemental authentication challenge.