IP Library Patent Application 18363312
Patent Application
App. No. 18/363,312

DIGITAL SECURITY PLATFORM FOR ELEVATING COMPUTING DEVICE SECURITY CHALLENGES FOR NETWORK EVENTS

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Quick Facts
Patent No.
US None
App. No.
18/363,312
Abstract

This disclosure describes a security elevation system that, as part of an inter-network facilitation system, can generate elevated security challenges adapted to requested network events using a security challenge platform that is agnostic to challenge type, vendor network, and network event. For example, the disclosed systems can utilize the security challenge platform to generate and distribute elevated security challenges for network events that warrant elevated client device interaction (e.g., beyond initial login interactions or other interactions). In some cases, the disclosed systems can utilize a logic platform to determine whether a network event warrants or necessitates elevated security considerations (e.g., for network events that transmit sensitive data) and can further utilize a security challenge platform to generate and provide a corresponding elevated security challenge specific to the network event.

Claims (65)

1 . A method comprising:

receiving, from a client device, an event request indicating a requested network event from among a plurality of network events hosted by an inter-network facilitation system;

determining, utilizing a logic platform of the inter-network facilitation system, that the event request warrants elevated client device interaction to maintain data security;

based on determining that the event request warrants elevated client device interaction, generating, utilizing a security challenge platform of the inter-network facilitation system, an elevated security challenge that is adapted to security data associated with the event request; and

redirecting network communications of the client device to the security challenge platform to provide the elevated security challenge for display.

2 . The method of claim 1 , wherein determining that the event request warrants elevated client device interaction comprises utilizing the logic platform to determine a security category for the event request from among a plurality of security categories comprising an allow category, a deny category, and an elevate category.

3 . The method of claim 1 , wherein generating the elevated security challenge comprises utilizing the security challenge platform to:

determine a challenge type for the elevated security challenge based on data from the logic platform;

detect that a vendor network associated with the challenge type is unavailable; and

based on detecting that the vendor network is unavailable, select a fallback elevated security challenge for the event request.

4 . The method of claim 1 , wherein generating the elevated security challenge comprises:

detecting that the client device is incompatible with a first elevated security challenge for the event request; and

based on detecting that the client device is incompatible with the first elevated security challenge, generating a second elevated security challenge for the event request based on capabilities of the client device.

5 . The method of claim 1 , wherein providing the elevated security challenge for display comprises:

redirecting network communications of the client device from an event workflow comprising a series of user interfaces associated with the event request to a security challenge workflow comprising one or more user interfaces associated with the elevated security challenge; and

upon detecting completion of the security challenge workflow, returning network communications of the client device to the event workflow for the event request.

6 . The method of claim 1 , wherein determining that the event request warrants elevated client device interaction comprises:

generating, using the logic platform, an encrypted logic string comprising event request data indicating a user account identification, a challenge type for the elevated security challenge, and an event identification for the event request; and

decrypting the encrypted logic string using the security challenge platform to determine parameters for defining the elevated security challenge.

7 . The method of claim 1 , further comprising:

detecting completion of the elevated security challenge via the client device; and

based on completion of the elevated security challenge, executing the requested network event associated with the event request.

8 . A system comprising:

at least one processor; and

a non-transitory computer readable medium storing instructions that, when executed by the at least one processor, cause the system to:

receive, from a client device, an event request indicating a requested network event from among a plurality of network events hosted by an inter-network facilitation system;

determine, utilizing a logic platform of the inter-network facilitation system, that the event request warrants elevated client device interaction to maintain data security;

based on determining that the event request warrants elevated client device interaction, generate, utilizing a security challenge platform of the inter-network facilitation system, an elevated security challenge that is adapted to security data associated with the event request; and

redirect network communications of the client device to the security challenge platform to provide the elevated security challenge for display.

9 . The system of claim 8 , further storing instructions that, when executed by the at least one processor, cause the system to determine that the event request warrants elevated client device interaction by utilizing the logic platform to determine a security category for the event request from among a plurality of security categories comprising an allow category, a deny category, and an elevate category.

10 . The system of claim 8 , further storing instructions that, when executed by the at least one processor, cause the system to generate the elevated security challenge by utilizing the security challenge platform to:

determine a challenge type for the elevated security challenge based on data from the logic platform;

detect that a vendor network associated with the challenge type is unavailable; and

based on detecting that the vendor network is unavailable, select a fallback elevated security challenge for the event request.

11 . The system of claim 8 , further storing instructions that, when executed by the at least one processor, cause the system to generate the elevated security challenge by:

detecting that the client device is incompatible with a first elevated security challenge for the event request; and

based on detecting that the client device is incompatible with the first elevated security challenge, generating a second elevated security challenge for the event request based on capabilities of the client device.

12 . The system of claim 8 , further storing instructions that, when executed by the at least one processor, cause the system to provide the elevated security challenge for display by:

redirecting network communications of the client device from an event workflow comprising a series of user interfaces associated with the event request to a security challenge workflow comprising one or more user interfaces associated with the elevated security challenge; and

upon detecting completion of the security challenge workflow, returning network communications of the client device to the event workflow for the event request.

13 . The system of claim 8 , further storing instructions that, when executed by the at least one processor, cause the system to determine that the event request warrants elevated client device interaction by:

generating, using the logic platform, an encrypted logic string comprising event request data indicating a user account identification, a challenge type for the elevated security challenge, and an event identification for the event request; and

decrypting the encrypted logic string using the security challenge platform to determine parameters for defining the elevated security challenge.

14 . The system of claim 8 , further storing instructions that, when executed by the at least one processor, cause the system to:

detect completion of the elevated security challenge via the client device; and

based on completion of the elevated security challenge, execute the requested network event associated with the event request.

15 . A non-transitory computer readable medium storing instructions that, when executed by at least one processor, cause a computing device to:

receive, from a client device, an event request indicating a requested network event from among a plurality of network events hosted by an inter-network facilitation system;

determine, utilizing a logic platform of the inter-network facilitation system, that the event request warrants elevated client device interaction to maintain data security;

based on determining that the event request warrants elevated client device interaction, generate, utilizing a security challenge platform of the inter-network facilitation system, an elevated security challenge that is adapted to security data associated with the event request; and

redirect network communications of the client device to the security challenge platform to provide the elevated security challenge for display.

16 . The non-transitory computer readable medium of claim 15 , further storing instructions that, when executed by the at least one processor, cause the computing device to determine that the event request warrants elevated client device interaction by utilizing the logic platform to determine a security category for the event request from among a plurality of security categories comprising an allow category, a deny category, and an elevate category.

17 . The non-transitory computer readable medium of claim 15 , further storing instructions that, when executed by the at least one processor, cause the computing device to generate the elevated security challenge by utilizing the security challenge platform to:

determine a challenge type for the elevated security challenge based on data from the logic platform;

detect that a vendor network associated with the challenge type is unavailable; and

based on detecting that the vendor network is unavailable, select a fallback elevated security challenge for the event request.

18 . The non-transitory computer readable medium of claim 15 , further storing instructions that, when executed by the at least one processor, cause the computing device to generating the elevated security challenge by:

detecting that the client device is incompatible with a first elevated security challenge for the event request; and

based on detecting that the client device is incompatible with the first elevated security challenge, generating a second elevated security challenge for the event request based on capabilities of the client device.

19 . The non-transitory computer readable medium of claim 15 , further storing instructions that, when executed by the at least one processor, cause the computing device to provide the elevated security challenge for display by:

redirecting network communications of the client device from an event workflow comprising a series of user interfaces associated with the event request to a security challenge workflow comprising one or more user interfaces associated with the elevated security challenge; and

upon detecting completion of the security challenge workflow, returning network communications of the client device to the event workflow for the event request.

20 . The non-transitory computer readable medium of claim 15 , further storing instructions that, when executed by the at least one processor, cause the computing device to determine that the event request warrants elevated client device interaction by:

generating, using the logic platform, an encrypted logic string comprising event request data indicating a user account identification, a challenge type for the elevated security challenge, and an event identification for the event request; and

decrypting the encrypted logic string using the security challenge platform to determine parameters for defining the elevated security challenge.

Assignments (2)
SECURITY AGREEMENT Recorded Mar 31, 2025
From: CHIME FINANCIAL, INC.
To: MORGAN STANLEY SENIOR FUNDING, INC., AS COLLATERAL AGENT
Reel/Frame 070689/0813 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 1, 2023
From: RAI, VARUN; CHEUNG, LACE; STEINBERG, JEREMY; BAHNIUK, RYAN; KIRK, CHARLES; HALL, DAIN; TAKAHASHI, JOCELYN; LEVERING, JOE; SHU, KEVIN
To: CHIME FINANCIAL, INC.
Reel/Frame 064453/0625 →