Mastercard Incorporated
Systems and methods for enhanced user authentication

Abstract:

A computer-implemented method for enhancing user authentication is provided. The method is implemented using an authentication computing device in communication with a memory. The method includes storing a plurality of user preferences associated with a user account. The user preferences are rule-based preferences that define steps to be taken for authenticating the user for accessing the user account. The method also includes receiving an authentication request for access to the user account, determining one or more authentication challenges based, at least in part, on the user preferences, transmitting the one or more authentication challenges to be presented to a user attempting to access the user account, and determining whether to authenticate the user based on a response to the one or more authentication challenges.