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Systems and methods for user authentication via mobile device

  • US 10,467,628 B1
  • Filed: 10/28/2015
  • Issued: 11/05/2019
  • Est. Priority Date: 04/21/2009
  • Status: Active Grant
First Claim
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1. A non-transitory computer-readable medium comprising computer-readable instructions for user authentication, said computer-readable instructions comprising instructions executable by an Automatic Teller Machine (ATM) to cause the ATM to interact with a mobile device of a user to:

  • receive information of a financial card of the user;

    transmit user interface data to the mobile device of the user that, when received by the mobile device, causes the mobile device to display on a display device of the mobile device a first image, the mobile device also being caused, by the user interface data, to display on the display device a prompt for the user to provide a first freeform gesture over the first image;

    access, from memory of the ATM, encrypted aggregated image data that is generated from the mobile device in response to receipt of the transmitted user interface data and that includes an aggregation of a visual representation of the first freeform gesture overlayed on the first image;

    decrypt the encrypted aggregated image data to read, from the decrypted image data, first freeform gesture data representing a combination of the first freeform gesture and the first image;

    determine that the combination of the first freeform gesture and the first image match a combination of a second freeform gesture and a second image of the user, the combination of the second freeform gesture and the second image being previously stored at an institution system of the financial card; and

    in response to a determination that the combination of the first freeform gesture and the first image match the combination of the second freeform gesture and the second image, authenticate the user to access an account of the financial card.

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