JP2007514333A - リスクベース認証のためのシステムおよび方法 - Google Patents
リスクベース認証のためのシステムおよび方法 Download PDFInfo
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Abstract
Description
この発明は認証に関し、この発明は、より特定的に、たとえばトランザクション中の認証当事者において使用され得る。
種々のサービスにアクセスして種々のトランザクションを実行するためのオンラインチャネルの使用が増大するのに伴い、身元情報の盗難が多発するようになり、オンライン口座の乗っ取りおよびトランザクション詐欺が著しい速度で増加している。詐欺師は、新しい技術を意のままに使用する。たとえば、疑うことを知らない顧客のコンピュータに「トロイの木馬(Trojan horses)」およびキーロガーがインストールされて個人情報が詐欺師に送り返され、フィッシングは、消費者を騙して個人情報および金融情報(たとえば以下のものに限定されないが、「ユーザの身分証明」または「身分証明」等と呼ばれ得る、社会保障番号(「SSN」)、口座番号、銀行取引の情報、種々のサービスに対するユーザ名およびパスワード、個人識別番号(「PIN」)、およびクレジットカード番号)を渡すように仕向ける。
以下の詳細な説明では、この発明の完全な理解を図るために、多数の特定の詳細を明示する。しかしながら、これらの特定の詳細を用いずにこの発明を実施し得ることが、当業者に理解されるであろう。また、場合によっては、この発明を分かりにくくしないように、周知の方法、手順、構成要素、および回路を詳細に記載していない。記載する実施例に対する種々の変更例が当業者には明らかになるであろう。また、ここに規定する一般原理を他の実施例に適用することができる。この発明は、図示および記載する特定の実施例への限定が意図されない。
とえば電子量として表わされるデータを、システムのメモリ、レジスタ、またはこのような他の情報記憶装置、伝送装置、または表示装置内の物理量として同様に表わされる他のデータへと、操作および/または変換する。
ションの評価、トランザクションのサイズの査定、トランザクションに関連するデータの査定、ユーザの評価、ユーザの身元もしくはユーザが自らを何と名乗っているかの評価、特定の基準に関する当事者の評価、ユーザのリスクレベルの査定、一般的もしくは一時的なリスクレベルの査定等であり得るか、または、これらを含み得る。認証は、たとえば、ユーザに何かを行なうか、もしくは情報を提供するように求める任意の活動、または、何らかの態様でユーザの身元を証明することが意図される情報をユーザから抽出する任意の活動を含み得る。ユーザ要求またはユーザデータは、認証サーバ150から機関100に送信され得、認証サーバ150および機関100は、たとえばリスクベース認証ローカルモジュール120を介して通信し得る。リスクベース認証ローカルモジュール120は、一実施例において、機関100がユーザに提示するウェブページと通信し得るが、異なる形態を取ってよい。たとえば、金融機関による口座の開設を望むユーザは、当該ユーザまたはトランザクションについての情報(たとえばトランザクションのサイズもしくは量、または他の情報)を評価してもらうことができ、この評価に基づき、当該トランザクションで必要とされるセキュリティまたは認証の詳細が変更され得る。トランザクションの完了を望むユーザは、たとえば、ユーザの過去のトランザクション履歴が評価され得る場合、リスクに関しても評価され得る。結果的に得られる認証レベルは、トランザクションに影響を及ぼし得る。たとえば、この認証レベルを用いて、ユーザに求められる1組の認証の詳細、たとえば、パスワード、追加情報、たとえば社会保障番号またはセキュリティの質問に対する回答等を決定することができる。認証レベルを用いて、そのトランザクションについてのログインセキュリティの1組のレベルの中から、リスクレベルに基づいて選択を行うことができる。認証レベルのこの設定は、トランザクションが既に開始した後に行なわれ得る。さらに、ユーザは、これまでにまたは既に認証されていることが考えられる。
通信すること(たとえば、SMSを介して携帯電話に新規のパスワードを送信することであり、この場合、電話の詳細が、トランザクション中に収集される)を伴い得る。
証サーバ150に情報を転送することができる。
スによるプロファイル変更活動、たとえばパスワードの回復、アドレスの変更等を認めないこと等が含まれ得る。たとえば、ユーザが「リスクの高い」場所から検索している場合、セルフサービスによるパスワードの回復は認められ得ない。たとえば、時間外または昼間以外にリスクの高い操作が実行されるか、または認証が実行される場合にのみ、VIPユーザまたは特別なユーザは、認証を求められ得る。
を、ユーザ活動データベース178等のデータベースに直接送信することができる。このような態様で、偽のユーザプロファイルを削除することができ、詐欺的な活動に留意して、たとえば新規の規則を作成することができる。
意の種類のトランザクション。(3)オンライン申込み、たとえば、クレジットカードや、融資や、会員に関するものや、特許出願または情報や、行政機関に関する出願または他の同様の種類のトランザクション。(4)再認証/再登録によるか、秘密の質問を含む機構を組み合わせるか、または上述のものの組合せによる、オンラインでのパスワードの再設定に加え、個人データへのオンライン変更または更新。(5)制限されたサービスへの任意のログイン、またはリスクの要素を含む他の操作。他の適切なトランザクションも同様に含まれ得る。
このような基準の任意の組合せを含み得る。「マイナスのリスト」は、「リスクがより高い」要素のリストであり得、すなわち、所定のデータ要素がマイナスのリストに合致することにより、そのトランザクションのリスクがおそらくより高いことが示される。「プラスのリスト」は、「より安全な」要素のリストであり得、すなわち、所定のデータ要素がプラスのリストに合致することにより、そのトランザクションがおそらくより安全であることが示される。「マイナスの」および「プラスの」リストは、基準と、情報の集合の範囲と、高い/低いセキュリティへの統計的な相関関係を有する母集団とを認識する他の何らかの処理によって手動で構築されるか、または自動的に値が入力され得る。トランザクションプロバイダは、たとえば自社開発の(proprietary)リストを維持することができ、または、このようなリストを共有することができる。(2)ユーザベースのトランザクションプロファイルまたは課金ベースのトランザクションプロファイルの作成。この作成は、特定のトランザクションとこのプロファイルとを比較するためのものである(ここで、このようなプロファイルは、たとえば以下のものに限定されないが、IPアドレス、ソース、アドレス、ユーザ、トランザクションの一般的なタイミング(時間および/または日)についての情報を含み得る)。特定のトランザクションのプロファイルが、このプロファイルと相違することにより、より高いリスクレベルが示され得る。(3)販売者またはサービスプロバイダのトランザクションプロファイルの作成、および特定のトランザクションとそのプロファイルとの比較。「販売者またはサービスプロバイダのプロファイル」は、たとえば、特定の販売者またはサービスプロバイダ(サービスプロバイダは、たとえば発行者を意味し得る)の全ユーザの総合プロファイルであり得る。たとえば、特定の販売者のユーザの99.9%が米国に居住している場合、フランス(France)からのトランザクションは、たとえフランスが高リスクであるとは一般に考えられていない場合でも、より高リスクであると考えられ得る。(4)特定のアカウントにより実行されるか、または或るIPアドレス、ユーザ、もしくはソースから生じるか、または、或る販売者またはサービスプロバイダにおいて行なわれるトランザクションの速度の測定。速度が或るしきい値を上回る場合、その速度は、より高いリスクレベルを示し得る。(5)或るIPアドレス、ソース、アドレス、ユーザ、販売者、またはサービスプロバイダから生じるトランザクションを実行するアカウントの数および/または速度の測定。速度が或るしきい値を上回る場合、その速度は、より高いリスクレベルを示す。(6)さまざまなリスクスコアリングサービスプロバイダによって開発されたアルゴリズムの使用、またはこのようなサービスから、リスクスコアを実際に獲得すること。(7)統計的プロファイリング、たとえば、特定のトランザクションのリスクを求めるために用いられ得る統計的プロファイルを確立すること(たとえば、IPの地理的位置と郵便番号等の地理的データとを突き合わせて統計的プロファイリングを示す。たとえば、その郵便番号が領域A内に存在する顧客が、領域B内に位置するIPからオンラインバンキングのサイトにアクセスする場合、これは、領域A内のユーザの統計的プロファイルと相違する)。トランザクションおよび/またはユーザのリスクレベルを査定するための他の適切な方法を使用してよい。
とを必要とし、SMS/電話を介した動的PINの使用は、ファイル上にユーザの電話番号を有することを必要とし、EMVの2因子認証の使用は、ユーザがチップカードおよびリーダを受取った場合にのみ可能である)。加えて、これらの認証方法のいくつかは、或る環境で使用することができないという制約を有する(たとえば、以下のものに限定されないが、SMS方法を介した動的PINは、ユーザにより現在使用されているIPが、十分に良好なセルラーのインフラストラクチャとSMSの配信時間とを有する国(このような国のリストもまた、トランザクションプロバイダによって変更可能である)から由来する場合にのみ使用され得る。査定および利用可能な認証方法の優先順位付けの後に、トランザクションプロバイダが、各方法の導入に関してどのような制約があるかを確認し、その制約に見合う最適な方法を選択する必要があることが考えられる。
iv.ログインユーザのオンライン活動のプロファイル(たとえば、ユーザが通常、どのような活動をいつ行なうか)。
カルコンピュータに記憶されたクッキー、オンラインログインアカウント、ログインページがダウンロードに要する時間、ユーザが応答(ログインの詳細の提出)に要する時間、ユーザが種々のフィールドまたは種々の文字さえも入力するのに要する時間、ユーザが詳細を入力する間に、これらの詳細の訂正を要したか否か。
xi.ログインユーザのオンライン活動のプロファイル(たとえば、ユーザが通常どのような活動をいつ行なうか)。
xv.販売者のTermURLおよびHTTPの参照元(どのサイトが3-D Secure PAReqを自分達に提出したか、および、どのサイトが自分達からPAResを獲得すべきかを示し得る2つのフィールド)。
他の方法を介したものであり得る。
Claims (40)
- トランザクションのリスクレベルを査定するステップと、
前記リスクレベルに基づき、前記トランザクションに対する認証レベルを設定するステップとを含む、方法。 - 前記認証レベルを用いて、前記トランザクションに対する当事者に求められる1組の認証の詳細を決定するステップを含む、請求項1に記載の方法。
- ユーザは、以前に認証されている、請求項2に記載の方法。
- 前記1組の認証の詳細は、少なくともパスワードを含む、請求項2に記載の方法。
- 前記リスクレベルに基づき、前記トランザクションに対するログインセキュリティの1組のレベルの中から選択するステップを含む、請求項1に記載の方法。
- 前記トランザクションが既に開始した後に前記認証レベルを設定するステップを含む、請求項1に記載の方法。
- 前記トランザクションは、金融トランザクションである、請求項1に記載の方法。
- 前記トランザクションの前記リスクレベルを査定するステップは、前記トランザクションへの参加を望む当事者を少なくとも評価するステップを含む、請求項1に記載の方法。
- 前記当事者を評価する前記ステップは、前記当事者が主張する人物であるか否かを評価するステップを含む、請求項8に記載の方法。
- 前記当事者を評価するステップは、前記当事者が或る基準を満たすか否かを評価するステップを含む、請求項8に記載の方法。
- 前記トランザクションの前記リスクレベルを査定するステップは、前記トランザクションを少なくとも評価するステップを含む、請求項1に記載の方法。
- 前記トランザクションの前記リスクレベルを査定するステップは、前記トランザクションのサイズを少なくとも評価するステップを含む、請求項1に記載の方法。
- 前記リスクレベルの査定を1組の記憶されたデータに基づかせるステップと、前記トランザクションに基づいて前記1組の記憶されたデータを変更するステップとを含む、請求項1に記載の方法。
- 前記認証レベルを用いて、前記トランザクションに対する当事者に求められる認証の種類を決定するステップを含む、請求項1に記載の方法。
- 或るリスクレベルに応答して、最初の認証ステップの後に、さらに別の認証ステップを要求するステップを含む、請求項1に記載の方法。
- 或るリスクレベルに応答して、或る認証ステップを、任意ではなく義務付けるステップを含む、請求項1に記載の方法。
- 前記トランザクションは、パスワードの回復である、請求項1に記載の方法。
- 前記トランザクションに対する認証レベルを設定する前記ステップを無効にするステップを含む、請求項1に記載の方法。
- 前記ユーザが1組の予め定められたユーザの中に存在するか、または前記トランザクションが或る基準を満たす場合に、前記トランザクションに対する認証レベルを設定する前記ステップを無効にするステップを含む、請求項1に記載の方法。
- 今後のリスク査定のために、ユーザデータまたはトランザクションデータを収集するステップと、前記データを記憶するステップとを含む、請求項1に記載の方法。
- 今後の認証のために、ユーザデータを収集するステップと、前記データを記憶するステップとを含む、請求項1に記載の方法。
- 今後のリスク査定のために、トランザクションデータを収集するステップと、前記トランザクションデータを記憶するステップとを含む、請求項1に記載の方法。
- 前記トランザクションに対する当事者を認証するステップを含む、請求項1に記載の方法。
- ユーザからトランザクションを開始する要求を受取るステップと、
リスクレベルに関して前記ユーザおよび前記トランザクションの1つ以上を評価するステップと、
前記リスクレベルがしきい値を上回る場合に、前記ユーザにセキュリティの詳細を提供するように求めるステップとを含む、方法。 - 前記要求を受取るステップは、最初の1組の認証の詳細を少なくとも受取るステップを含む、請求項24に記載の方法。
- 前記要求を受取るステップの前に、前記ユーザから認証の詳細を受取るステップを含む、請求項24に記載の方法。
- リスクに関して前記ユーザおよび前記トランザクションの1つ以上を評価するステップは、前記ユーザの過去のトランザクション履歴を少なくとも評価するステップを含む、請求項24に記載の方法。
- 前記ユーザが1組の予め定められたユーザの中に存在する場合、前記ユーザにセキュリティの詳細を提供するように求めるステップを無効にするステップを含む、請求項24に記載の方法。
- トランザクションのリスクレベルを査定し、
前記リスクレベルに基づき、前記トランザクションに対する認証レベルを設定するプロセッサを含む、システム。 - 前記プロセッサは、前記トランザクションに対する当事者を認証する、請求項29に記載のシステム。
- 前記プロセッサは、前記認証レベルを用いて前記トランザクションに対する当事者に求められる1組の認証の詳細を決定する、請求項29に記載のシステム。
- 前記1組の認証の詳細は、少なくともパスワードを含む、請求項29に記載のシステム。
- 前記プロセッサは、前記リスクレベルに基づき、前記トランザクションに対するログインセキュリティの1組のレベルの中から選択する、請求項29に記載のシステム。
- 前記トランザクションの前記リスクレベルを査定することは、前記トランザクションに参加することを望む当事者を少なくとも評価することを含む、請求項29に記載のシステム。
- 前記プロセッサは、或るリスクレベルに応答して、最初の認証ステップの後に、さらに別の認証ステップを要求する、請求項29に記載のシステム。
- 前記トランザクションは、パスワードの回復である、請求項29に記載のシステム。
- ユーザからトランザクションを開始する要求を受取り、
リスクレベルに関して、前記ユーザおよび前記トランザクションの1つ以上を評価し、
前記リスクレベルがしきい値を上回る場合に、前記ユーザにセキュリティの詳細を提供するように求めるプロセッサを含む、システム。 - 前記要求を受取ることは、最初の1組のセキュリティの詳細を少なくとも受取ることを含む、請求項37に記載のシステム。
- リスクに関して前記ユーザおよび前記トランザクションの1つ以上を評価することは、前記ユーザの過去のトランザクション履歴を少なくとも評価することを含む、請求項37に記載のシステム。
- 前記プロセッサは、前記ユーザが1組の好ましいユーザの中に存在する場合に、前記ユーザにセキュリティの詳細を提供するように求めることを無効にする、請求項37に記載のシステム。
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CN101073219A (zh) | 2007-11-14 |
WO2005025292A2 (en) | 2005-03-24 |
JP4778899B2 (ja) | 2011-09-21 |
US20050097320A1 (en) | 2005-05-05 |
EP1664687A4 (en) | 2009-01-14 |
CN104200152B (zh) | 2020-02-14 |
EP1664687A2 (en) | 2006-06-07 |
US8572391B2 (en) | 2013-10-29 |
CN104200152A (zh) | 2014-12-10 |
AU2004272083A1 (en) | 2005-03-24 |
AU2004272083B2 (en) | 2009-11-26 |
WO2005025292A3 (en) | 2007-04-26 |
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