{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11972426","patent":{"patent_number":"US-11972426","title":"Method and system for user authentication to facilitate secure transactions","assignee":null,"inventors":[],"filing_date":"2018-07-12T00:00:00.000Z","publication_date":"2024-04-30T00:00:00.000Z","cpc_codes":["G06Q","G06F","G06Q","H04M","G06F","H04M","H04M"],"num_claims":17,"abstract":"A method for authenticating a user includes receiving an authorization request for a transaction from an account. A plurality of authentication questions each having a corresponding correct answer are associated with the account. A first set of authentication questions of the plurality of authentication questions is transmitted to a communication device by way of an interactive voice response (IVR) call. A first set of user-generated answers corresponding to the first set of authentication questions is received from the communication device. The method further includes determining whether the user is an account holder of the account based on at least the first set of user-generated answers. The transaction is processed based on the determination that the user is the account holder of the account, thereby authenticating the user."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Method and system for user authentication to facilitate secure transactions","description":"A method for authenticating a user includes receiving an authorization request for a transaction from an account. A plurality of authentication questions each having a corresponding correct answer are","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11972426","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11972426","citation_suggestion":"Patentable. \"Method and system for user authentication to facilitate secure transactions\" (US-11972426). https://patentable.app/patents/US-11972426","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11972426","json":"https://patentable.app/api/llm-context/US-11972426","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T05:02:36.005Z"}