METHODS, APPARATUS AND SYSTEMS FOR SECURELY AUTHENTICATING A PERSON DEPENDING ON CONTEXT
First Claim
1. A method comprising:
- receiving, by a meta-wallet processor from a user device, a request for user authentication comprising a meta-wallet identifier, an entity identifier, a context identifier and at least one of user biometric data, user personal assets data, and user social media data;
determining, by the meta-wallet processor based on the meta-wallet identifier and the context identifier, that the user is a registered meta-wallet user and is engaging in a predetermined type of activity;
selecting, by the meta-wallet processor, an authentication protocol based on the type of activity;
determining, by the meta-wallet processor, that the at least one user biometric data, user personal assets data, and user social media data matches stored personal meta-wallet data associated with the registered meta-wallet user and satisfies the authentication protocol; and
transmitting, by the meta-wallet processor to at least one of the user device and to an entity computer associated with the entity identifier, a user authentication confirmation message.
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Abstract
Methods, apparatus and systems are described for securely authenticating a person at an appropriate level of security depending on context without having to enter any passwords. In some embodiments, a meta-wallet processor receives a request for user authentication from a user device which includes a meta-wallet identifier, an entity identifier, a context identifier and user biometric data and/or user personal assets data, and/or user social media data. The meta-wallet processor determines that the user is registered meta-wallet user and is engaging in a predetermined type of activity, selects an authentication protocol, determines that the user biometric data and/or user personal assets data, and/or user social media data matches stored personal meta-wallet data and satisfies the authentication protocol, and then transmits a user authentication confirmation message to one of the user device and an entity computer associated with the entity identifier.
28 Citations
21 Claims
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1. A method comprising:
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receiving, by a meta-wallet processor from a user device, a request for user authentication comprising a meta-wallet identifier, an entity identifier, a context identifier and at least one of user biometric data, user personal assets data, and user social media data; determining, by the meta-wallet processor based on the meta-wallet identifier and the context identifier, that the user is a registered meta-wallet user and is engaging in a predetermined type of activity; selecting, by the meta-wallet processor, an authentication protocol based on the type of activity; determining, by the meta-wallet processor, that the at least one user biometric data, user personal assets data, and user social media data matches stored personal meta-wallet data associated with the registered meta-wallet user and satisfies the authentication protocol; and transmitting, by the meta-wallet processor to at least one of the user device and to an entity computer associated with the entity identifier, a user authentication confirmation message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A non-transitory computer readable medium storing instructions configured to cause a processor to:
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receive a request for user authentication from a user device, the request comprising a meta-wallet identifier, an entity identifier, a context identifier and at least one of user biometric data, user personal assets data, and user social media data; determine based on the meta-wallet identifier and the context identifier, that the user is a registered meta-wallet user and is engaging in a predetermined type of activity; select an authentication protocol based on the type of activity; determine that the at least one user biometric data, user personal assets data, and user social media data matches stored personal meta-wallet data associated with the registered meta-wallet user and satisfies the authentication protocol; and transmit a user authentication confirmation message to at least one of the user device and to an entity computer associated with the entity identifier. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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21. An apparatus comprising:
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a processor; a non-transitory computer medium operably coupled to the processor, the non-transitory computer medium storing instructions configured to cause the processor to; receive a request for user authentication from a user device, the request comprising a meta-wallet identifier, an entity identifier, a context identifier and at least one of user biometric data, user personal assets data, and user social media data; determine based on the meta-wallet identifier and the context identifier, that the user is a registered meta-wallet user and is engaging in a predetermined type of activity; select an authentication protocol based on the type of activity; determine that the at least one user biometric data, user personal assets data, and user social media data matches stored personal meta-wallet data associated with the registered meta-wallet user and satisfies the authentication protocol; and transmit a user authentication confirmation message to at least one of the user device and to an entity computer associated with the entity identifier.
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Specification