User Authentication
First Claim
1. A method, comprising:
- receiving, by a location determination and user identification system having at least one processor, data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a banking center of a financial institution;
determining, by the location determination and user identification system, a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of a location of the location beacon;
extracting, by the location determination and user identification system, a unique identifier associated with the personal computing device;
determining, by the location determination and user identification system and based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device;
requesting, by the location determination and user identification system, authentication information of the identified user;
receiving, by the location determination and user identification system, the requested authentication information of the user;
determining, by the location determination and user identification system, whether the received authentication information of the user matches pre-stored authentication information associated with the user; and
responsive to determining that the received authentication information of the user matches the pre-stored authentication information associated with the user, authorizing the user to conduct a first plurality of transactions or types of transactions.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, a signal emitted from a beacon may be detected by a personal computing device of a user within a predefined proximity of the beacon. The location of the beacon, and the device detecting the signal, may be determined and the identity of the user associated with the device may be determined. Authentication information may be requested from the user. The request for authentication information may be transmitted to the personal computing device and the user may provide the authentication information via the device. If the received authentication information matches pre-stored authentication information, the user may be authenticated and/or authorized to conduct one or more transactions or types of transactions based on the determined location, identity, and authentication information.
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Citations
20 Claims
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1. A method, comprising:
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receiving, by a location determination and user identification system having at least one processor, data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a banking center of a financial institution; determining, by the location determination and user identification system, a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of a location of the location beacon; extracting, by the location determination and user identification system, a unique identifier associated with the personal computing device; determining, by the location determination and user identification system and based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device; requesting, by the location determination and user identification system, authentication information of the identified user; receiving, by the location determination and user identification system, the requested authentication information of the user; determining, by the location determination and user identification system, whether the received authentication information of the user matches pre-stored authentication information associated with the user; and responsive to determining that the received authentication information of the user matches the pre-stored authentication information associated with the user, authorizing the user to conduct a first plurality of transactions or types of transactions. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An apparatus, comprising:
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at least one processor; and a memory storing instructions that when executed by the at least one processor cause the apparatus to; receive data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a banking center of a financial institution; determine a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of a location of the location beacon; extract a unique identifier associated with the personal computing device; determine, based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device; request authentication information of the identified user; receive the requested authentication information of the user; determine whether the received authentication information of the user matches pre-stored authentication information associated with the user; and responsive to determining that the received authentication information of the user matches the pre-stored authentication information associated with the user, authorize the user to conduct a first plurality of transactions or types of transactions. - View Dependent Claims (12, 13, 14, 15, 16)
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17. One or more non-transitory computer-readable media having instructions stored thereon that when executed by one or more computers cause the one or more computers to:
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receive data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a banking center of a financial institution; determine a location of the personal computing device based on the received data associated with the signal emitted from the locating beacon, wherein the location of the personal computing device is within a predefined proximity of a location of the locating beacon; extract a unique identifier associated with the personal computing device; determine, based on the extracted unique identifier associated with the personal computing device, whether an identity of a user associated with the personal computing device can be determined; responsive to determining that the identity of the user associated with the personal computing device cannot be determined, generating at least one offer for the user associated with the personal computing device; and transmit the at least one offer to the personal computing device. - View Dependent Claims (18, 19, 20)
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Specification