Abstract: Methods, apparatus, and processor-readable storage media for user authentication with acoustic fingerprinting are provided herein. An example computer-implemented method includes generating, in response to an authentication request from a given device, an instruction for an acoustic output to be emitted and recorded by the given device; obtaining the recorded acoustic output from the given device; creating an acoustic fingerprint by applying one or more signal processing algorithms to the recorded acoustic output; processing the acoustic fingerprint and one or more items of information pertaining to the given device against historical authentication data; and resolving the authentication request in response to a determination that the acoustic fingerprint and the one or more items of information pertaining to the given device match at least a portion of the historical authentication data.

Abstract: Techniques of risk-based authentication involve adjusting a risk engine used by a recipient entity based on feedback acquired from multiple entities. Along these lines, both a recipient risk engine and one or more donor risk engines perform risk-based authentication for which respective feedback is generated. The feedback indicates whether certain transaction requests predicted to be fraudulent are confirmed to be fraudulent. The recipient risk engine is then adjusted based on the feedback created for itself, the feedback created for any of the donor risk engines, or some combination thereof.

Abstract: Methods, apparatus, and processor-readable storage media for user authentication with acoustic fingerprinting are provided herein. An example computer-implemented method includes generating, in response to an authentication request from a given device, an instruction for an acoustic output to be emitted and recorded by the given device; obtaining the recorded acoustic output from the given device; creating an acoustic fingerprint by applying one or more signal processing algorithms to the recorded acoustic output; processing the acoustic fingerprint and one or more items of information pertaining to the given device against historical authentication data; and resolving the authentication request in response to a determination that the acoustic fingerprint and the one or more items of information pertaining to the given device match at least a portion of the historical authentication data.