Systems, methods, and computer program products for authenticating devices

This invention describes a way to authenticate a user's device during an online purchase without interrupting their experience. When a transaction starts, a hidden section on the merchant's webpage communicates with the authentication system to challenge the device and get a response. This information is then used to calculate a "device score" which helps decide if the transaction should be approved, specifically using a frame embedded in a merchant website for this process.

Why it matters: The increasing sophistication of AI and machine learning in fraud detection since 2022 could significantly enhance the accuracy and real-time nature of the "device score" determination. This allows for more robust, yet invisible, authentication in an evolving threat landscape.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSoftware logic, secure network integration

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