Invention:
The Geographical Knowledge Based Verification (GeoKBA) System is an advanced multifactor verification service integrating a geographical component with digital behavioral biometrics to verify user identities in web-based interfaces. Conventional multifactor authentication (MFA) consists of “something you know” (e.g., a password) and “something you have” (e.g., a cell phone that receives a temporary code) to greatly enhance verification accuracy. GeoKBA extends this model, employing “something you know” and “something you do” by simultaneously testing users on two factors relative to their familiarity with specific geographic locations (i.e., geo-targets), assessing responses in terms of objective accuracy as well as behavioral patterns exhibited while providing those responses. The GeoKBA approach greatly increases accuracy and security over single factor approaches and presents and collects these dual factors in a single process for a better user experience. Unlike existing KBA methods, the GeoKBA approach will work with first touch users (e.g., account opening) or repeat users (e.g., password reset). The evolving landscape of cyber threats necessitates innovations like GeoKBA, which not only act as an additional protective layer but also anticipate and counter newer hacking methods by rooting identity verification in the real-world attribute of geographical location.
Background:
The alarming rate of hacking incidents and the sophisticated techniques employed by cybercriminals underscore the pressing need for reinforced identity verification methods to protect internet users as they exchange and store sensitive personal information and financial data. By leveraging geographical data, which is inherently difficult for hackers to replicate or misuse, GeoKBA addresses one of the core vulnerabilities in conventional verification methods. This combination of “knowing” and “doing” ensures a multi-dimensional authentication process. As online interfaces evolve and the demand for secure transactions grows, technologies like GeoKBA become indispensable in maintaining the integrity and security of digital transactions.
Applications:
- IT and cybersecurity
- Banking, financial services and insurance (BFSI)
- Government and defense
- Healthcare and life sciences
- Retail and eCommerce
- Energy and utilities
Advantages:
- Multifactor authentication
- Increased cybersecurity
- Decreased risk of successful cyberattack
- Streamlined process for better user experience
