Granted Patent B2

US 12,443,749 · App. 18/651,127 · Granted Oct 14, 2025

Inventor: Steven Todd Kirsch (Los Altos Hills, CA)

Assignee: NEUSTAR, INC.

G06F21/6245G06F21/31G06Q20/0855G06Q20/12G06Q20/382G06Q20/38215G06Q20/3829G06Q20/401G06Q20/405G06Q30/0609G06Q40/02H04L63/0435H04L63/061H04L63/08H04L63/105H04L63/205

Abstract

Claims (39)

1. A method of securely authorizing an electronic transaction by an identity protection system, the method comprising:

receiving a proposed transaction involving a user;

accessing a list of devices associated with the user, the list identifying a plurality of devices that have been preselected by the user, wherein the plurality of devices includes a new device, the new device having been approved by two pre-existing devices in the plurality of devices or approved in advance by a preset time interval by one pre-existing device in the plurality of devices;

causing presentation of (1) the proposed transaction and (2) an option to approve or disapprove the proposed transaction to each respective person using each of the plurality of devices, wherein responses to the presented option, if provided, are transmitted to the identity protection system by the plurality of devices;

receiving the responses from at least a subset of the plurality of devices; and

causing completion of the proposed transaction after a predetermined amount of time if all of the received responses approve the proposed transaction,

wherein the predetermined amount of time is dynamically determined at a time of receiving the proposed transaction,

wherein the predetermined amount of time is based on a security level of the proposed transaction, and

wherein the security level of the proposed transaction is set to a highest security level associated with the plurality of devices.

2. The method of claim 1 , wherein the subset of the plurality of devices includes at least one of a mobile device, a desktop computer or a tablet computer.

3. The method of claim 1 , wherein the predetermined amount of time is dynamically determined based on a value of the proposed transaction.

4. The method of claim 1 , further comprising:

causing a cancelation of the proposed transaction if a response is not received from at least one of the devices identified in the list.

5. The method of claim 1 , further comprising:

causing a cancelation of the proposed transaction if at least one of the received responses indicates that the respective person of the subset of the plurality of devices that transmitted the response disapproved the proposed transaction.

6. The method of claim 1 , wherein the plurality of devices identified in the list includes at least one device associated with the user.

7. The method of claim 1 , wherein the plurality of devices identified in the list includes at least one device associated with a second user.

8. The method of claim 1 , wherein the proposed transaction is an address change transaction.

9. The method of claim 1 , wherein an authorized transaction value limit of the proposed transaction is based on at least one of password unlocking access, a secure work location or a mobility associated with at least one of the plurality of devices.

10. The method of claim 1 , wherein the dynamic determination of the predetermined amount of time at the time of receiving the proposed transaction uses a selection of one of a number of predetermined amounts of time, the selection being based on an attribute of the proposed transaction.

11. An identity protection system for authorizing a transaction, comprising:

one or more processors configured to:

receive a proposed transaction involving a user;

access a list of devices associated with the user, the list identifying a plurality of devices that have been preselected by the user, wherein the plurality of devices includes a new device, the new device having been approved by two pre-existing devices in the plurality of devices or approved in advance by a preset time interval by one pre-existing device in the plurality of devices;

cause presentation of (1) the proposed transaction and (2) an option to approve or disapprove the proposed transaction to each respective person using each of the plurality of devices, wherein responses to the presented option, if provided, are transmitted to the identity protection system by the plurality of devices;

receive the responses from at least a subset of the plurality of devices; and

cause completion of the proposed transaction after a predetermined amount of time if all of the received responses approve the proposed transaction,

wherein the predetermined amount of time is dynamically determined at a time of receiving the proposed transaction,

wherein the predetermined amount of time is based on a security level of the proposed transaction, and

wherein the security level of the proposed transaction is set to a highest security level associated with the plurality of devices.

12. The identity protection system of claim 11 , wherein the subset of the plurality of devices includes at least one of a mobile device, a desktop computer or a tablet computer.

13. The identity protection system of claim 11 , wherein the predetermined amount of time is dynamically determined based on a value of the proposed transaction.

14. The identity protection system of claim 11 , wherein the one or more processors are further configured to cause a cancelation of the proposed transaction if a response is not received from at least one of the devices identified in the list.

15. The identity protection system of claim 11 , wherein the one or more processors are further configured to cause a cancelation of the proposed transaction if at least one of the received responses indicates that the respective person of the subset of the plurality of devices that transmitted the response disapproved the proposed transaction.

16. The identity protection system of claim 11 , wherein the plurality of devices identified in the list includes at least one device associated with the user.

17. The identity protection system of claim 11 , wherein the plurality of devices identified in the list includes at least one device associated with a second user.

18. The identity protection system of claim 11 , wherein the proposed transaction is an address change transaction.

19. The identity protection system of claim 11 , wherein an authorized transaction value limit of the proposed transaction is based on at least one of password unlocking access, a secure work location or a mobility associated with at least one of the plurality of devices.

20. The identity protection system of claim 11 , wherein the dynamic determination of the predetermined amount of time at the time of receiving the proposed transaction uses a selection of one of a number of predetermined amounts of time, the selection being based on an attribute of the proposed transaction.

Assignments (2)

Continuity (4)

References Cited (119)