Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location
First Claim
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1. An apparatus for determining user authentication requirements for accessing a network service, the apparatus comprising:
- a computing platform including a memory and a processor in communication with the memory; and
an authentication requirements module stored in the memory, executable by the processor and configured to,receive, from a mobile communication device, a request for a user to access a network service, accessible via an executable application stored on the mobile communication device, that requires user authentication,in response to receiving the request, determine a current physical location of the user and a time associated with the request,determine a distance from the current physical location to one of a plurality of predetermined physical locations, wherein the predetermined physical locations include (1) user-defined physical locations, and (2) determined physical locations that are determined based on monitoring, over time, location of the user in relation to the mobile communication device, anddetermine user authentication requirements for the user to access the network service based on (1) the determined distance of the current physical location of the user to the predetermined physical location, and (2) the time associated with the request being one of inside or outside of a predetermined period of time associated with the predetermined physical location,wherein the user is provided access to the network service in response to the user meeting the determined user authentication requirements.
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Accused Products
Abstract
Systems, apparatus, methods, and computer program products are provided for determining a user'"'"'s authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to known boundaries of location associated with the user, such as the user'"'"'s residence, place of business or the like. As such, the present invention serves to expedite the process for authenticating a user who desires to gain access to a network service, such as a banking application or the like.
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Citations
25 Claims
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1. An apparatus for determining user authentication requirements for accessing a network service, the apparatus comprising:
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a computing platform including a memory and a processor in communication with the memory; and an authentication requirements module stored in the memory, executable by the processor and configured to, receive, from a mobile communication device, a request for a user to access a network service, accessible via an executable application stored on the mobile communication device, that requires user authentication, in response to receiving the request, determine a current physical location of the user and a time associated with the request, determine a distance from the current physical location to one of a plurality of predetermined physical locations, wherein the predetermined physical locations include (1) user-defined physical locations, and (2) determined physical locations that are determined based on monitoring, over time, location of the user in relation to the mobile communication device, and determine user authentication requirements for the user to access the network service based on (1) the determined distance of the current physical location of the user to the predetermined physical location, and (2) the time associated with the request being one of inside or outside of a predetermined period of time associated with the predetermined physical location, wherein the user is provided access to the network service in response to the user meeting the determined user authentication requirements. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for determining user authentication requirements, the method comprising:
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receiving, from a mobile communication device, a request for a user to access a network service, accessible via an executable application stored on the mobile communication device, that requires user authentication; in response to receiving the request, determining, by a computing device processor, a current physical location of the user and a time associated with the request; determining, by a computing device processor, a distance of the current physical location to one of a plurality of predetermined physical locations wherein the predetermined physical locations include (1) user-defined physical locations, and (2) determined physical locations that are determined based on monitoring, over time, location of the user in relation to the mobile communication device; and determining, by a computing device processor, user authentication requirements for the user to access the network service based on (1) the determined distance of the current physical location of the user to the predetermined physical location, and (2) the time associated with the request being one of inside or outside of a predetermined period of time associated with the predetermined physical location, wherein the user is provided access to the network service in response to the user meeting the determined user authentication requirements. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A computer program product comprising:
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a non-transitory computer-readable medium comprising; a first set of codes for causing a computer to receive from a mobile communication device, a request for a user to access a network service, accessible via an executable application stored on the mobile communication device, that requires user authentication; a second set of codes for causing a computer to, in response to receiving the request, determine a current physical location of the user and a time associated with the request; a third set of codes for causing a computer to determine a distance of the current physical location to one of a plurality of predetermined physical locations, wherein the predetermined physical locations include (1) user-defined physical locations and (2) determined physical locations that are determined based on monitoring, over time, location of the user in relation to the mobile communication device; and a fourth set of codes for causing a computer to determine user authentication requirements for the user to access the network service based on (1) the determined distance of the current physical location of the user to the predetermined physical location, and (2) the time associated with the request being one of inside or outside of a predetermined period of time associated with the predetermined physical location, wherein the user is provided access to the network service in response to the user meeting the determined user authentication requirements. - View Dependent Claims (22, 23, 24, 25)
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Specification