Recognizing and authenticating mobile devices based on unique cross-channel bindings
First Claim
1. A computing platform comprising:
- at least one processor;
a communication interface communicatively coupled to the at least one processor; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to;
receive, via the communication interface, and from a telephone agent support computer system associated with a telephone agent channel, call information associated with a telephone call received by the telephone agent support computer system associated with the telephone agent channel;
identify a source device that placed the telephone call received by the telephone agent support computer system associated with the telephone agent channel, based on binding information maintained by the computing platform for the source device;
based on identifying the source device that placed the telephone call received by the telephone agent support computer system associated with the telephone agent channel, load user information associated with a user account linked to the source device, wherein the user information associated with the user account linked to the source device comprises information identifying an online banking user account associated with an online banking channel of a financial institution, and wherein the telephone agent channel corresponds to a telephone support channel of the financial institution;
set one or more authentication flags for the user account linked to the source device based on the binding information maintained by the computing platform for the source device, wherein setting the one or more authentication flags for the user account linked to the source device based on the binding information maintained by the computing platform for the source device comprises setting the one or more authentication flags for the user account linked to the source device based on authentication history information maintained for the source device, wherein the authentication history information maintained for the source device identifies a number of successful authentications of the source device on one or more channels of the financial institution, and wherein the one or more authentication flags for the user account linked to the source device are set to provide a level of access corresponding to the number of successful authentications of the source device on the one or more channels of the financial institution;
send, via the communication interface, and to the telephone agent support computer system associated with the telephone agent channel, the user information associated with the user account linked to the source device;
send, via the communication interface, and to the telephone agent support computer system associated with the telephone agent channel, authentication information based on the one or more authentication flags set for the user account linked to the source device, wherein sending the authentication information to the telephone agent support computer system associated with the telephone agent channel causes the telephone agent support computer system associated with the telephone agent channel to present a graphical user interface notifying a user of the telephone agent support computer system associated with the telephone agent channel of the level of access corresponding to the one or more authentication flags set for the user account linked to the source device; and
after sending the authentication information to the telephone agent support computer system associated with the telephone agent channel, update the authentication history information maintained for the source device.
1 Assignment
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Accused Products
Abstract
Aspects of the disclosure relate to recognizing and authenticating mobile devices based on unique cross-channel bindings. In some embodiments, a computing platform may receive, from a telephone agent support computer system, call information associated with a telephone call. Subsequently, the computing platform may identify a source device that placed the telephone call, based on binding information maintained by the computing platform for the source device. Based on identifying the source device that placed the telephone call, the computing platform may load user information associated with a user account linked to the source device. Next, the computing platform may set one or more authentication flags for the user account based on the binding information. Then, the computing platform may send, to the telephone agent support computer system, the user information and authentication information based on the one or more authentication flags set for the user account linked to the source device.
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Citations
20 Claims
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1. A computing platform comprising:
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at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to; receive, via the communication interface, and from a telephone agent support computer system associated with a telephone agent channel, call information associated with a telephone call received by the telephone agent support computer system associated with the telephone agent channel; identify a source device that placed the telephone call received by the telephone agent support computer system associated with the telephone agent channel, based on binding information maintained by the computing platform for the source device; based on identifying the source device that placed the telephone call received by the telephone agent support computer system associated with the telephone agent channel, load user information associated with a user account linked to the source device, wherein the user information associated with the user account linked to the source device comprises information identifying an online banking user account associated with an online banking channel of a financial institution, and wherein the telephone agent channel corresponds to a telephone support channel of the financial institution; set one or more authentication flags for the user account linked to the source device based on the binding information maintained by the computing platform for the source device, wherein setting the one or more authentication flags for the user account linked to the source device based on the binding information maintained by the computing platform for the source device comprises setting the one or more authentication flags for the user account linked to the source device based on authentication history information maintained for the source device, wherein the authentication history information maintained for the source device identifies a number of successful authentications of the source device on one or more channels of the financial institution, and wherein the one or more authentication flags for the user account linked to the source device are set to provide a level of access corresponding to the number of successful authentications of the source device on the one or more channels of the financial institution; send, via the communication interface, and to the telephone agent support computer system associated with the telephone agent channel, the user information associated with the user account linked to the source device; send, via the communication interface, and to the telephone agent support computer system associated with the telephone agent channel, authentication information based on the one or more authentication flags set for the user account linked to the source device, wherein sending the authentication information to the telephone agent support computer system associated with the telephone agent channel causes the telephone agent support computer system associated with the telephone agent channel to present a graphical user interface notifying a user of the telephone agent support computer system associated with the telephone agent channel of the level of access corresponding to the one or more authentication flags set for the user account linked to the source device; and after sending the authentication information to the telephone agent support computer system associated with the telephone agent channel, update the authentication history information maintained for the source device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method comprising:
at a computing platform comprising at least one processor, memory, and a communication interface; receiving, by the at least one processor, via the communication interface, and from a telephone agent support computer system associated with a telephone agent channel, call information associated with a telephone call received by the telephone agent support computer system associated with the telephone agent channel; identifying, by the at least one processor, a source device that placed the telephone call received by the telephone agent support computer system associated with the telephone agent channel, based on binding information maintained by the computing platform for the source device; based on identifying the source device that placed the telephone call received by the telephone agent support computer system associated with the telephone agent channel, loading, by the at least one processor, user information associated with a user account linked to the source device, wherein the user information associated with the user account linked to the source device comprises information identifying an online banking user account associated with an online banking channel of a financial institution, and wherein the telephone agent channel corresponds to a telephone support channel of the financial institution; setting, by the at least one processor, one or more authentication flags for the user account linked to the source device based on the binding information maintained by the computing platform for the source device, wherein setting the one or more authentication flags for the user account linked to the source device based on the binding information maintained by the computing platform for the source device comprises setting the one or more authentication flags for the user account linked to the source device based on authentication history information maintained for the source device, wherein the authentication history information maintained for the source device identifies a number of successful authentications of the source device on one or more channels of the financial institution, and wherein the one or more authentication flags for the user account linked to the source device are set to provide a level of access corresponding to the number of successful authentications of the source device on the one or more channels of the financial institution; sending, by the at least one processor, via the communication interface, and to the telephone agent support computer system associated with the telephone agent channel, the user information associated with the user account linked to the source device; sending, by the at least one processor, via the communication interface, and to the telephone agent support computer system associated with the telephone agent channel, authentication information based on the one or more authentication flags set for the user account linked to the source device, wherein sending the authentication information to the telephone agent support computer system associated with the telephone agent channel causes the telephone agent support computer system associated with the telephone agent channel to present a graphical user interface notifying a user of the telephone agent support computer system associated with the telephone agent channel of the level of access corresponding to the one or more authentication flags set for the user account linked to the source device; and after sending the authentication information to the telephone agent support computer system associated with the telephone agent channel, updating, by the at least one processor, the authentication history information maintained for the source device. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:
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receive, via the communication interface, and from a telephone agent support computer system associated with a telephone agent channel, call information associated with a telephone call received by the telephone agent support computer system associated with the telephone agent channel; identify a source device that placed the telephone call received by the telephone agent support computer system associated with the telephone agent channel, based on binding information maintained by the computing platform for the source device; based on identifying the source device that placed the telephone call received by the telephone agent support computer system associated with the telephone agent channel, load user information associated with a user account linked to the source device, wherein the user information associated with the user account linked to the source device comprises information identifying an online banking user account associated with an online banking channel of a financial institution, and wherein the telephone agent channel corresponds to a telephone support channel of the financial institution; set one or more authentication flags for the user account linked to the source device based on the binding information maintained by the computing platform for the source device, wherein setting the one or more authentication flags for the user account linked to the source device based on the binding information maintained by the computing platform for the source device comprises setting the one or more authentication flags for the user account linked to the source device based on authentication history information maintained for the source device, wherein the authentication history information maintained for the source device identifies a number of successful authentications of the source device on one or more channels of the financial institution, and wherein the one or more authentication flags for the user account linked to the source device are set to provide a level of access corresponding to the number of successful authentications of the source device on the one or more channels of the financial institution; send, via the communication interface, and to the telephone agent support computer system associated with the telephone agent channel, the user information associated with the user account linked to the source device; send, via the communication interface, and to the telephone agent support computer system associated with the telephone agent channel, authentication information based on the one or more authentication flags set for the user account linked to the source device, wherein sending the authentication information to the telephone agent support computer system associated with the telephone agent channel causes the telephone agent support computer system associated with the telephone agent channel to present a graphical user interface notifying a user of the telephone agent support computer system associated with the telephone agent channel of the level of access corresponding to the one or more authentication flags set for the user account linked to the source device; and after sending the authentication information to the telephone agent support computer system associated with the telephone agent channel, update the authentication history information maintained for the source device.
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Specification