Sorting mobile banking functions into authentication buckets
First Claim
1. A mobile device for sorting mobile banking application functions into authentication buckets, the mobile device comprising:
- a memory;
a processor; and
a module stored in the memory, executable by the processor, and configured to;
determine, for each of a plurality of mobile banking application functions, a corresponding one of a plurality of authentication buckets;
wherein each of the plurality of authentication buckets corresponds with one of a plurality of levels of authentication, which together comprise a continuum of authentication;
receive a request, from a user, to access one of the plurality of mobile banking application functions of a mobile banking application running on the mobile device;
access the plurality of authentication buckets to determine which of the authentication buckets corresponds with the requested function;
determine the level of authentication associated with the determined authentication bucket;
determine which one or more authentication types from a plurality of authentication types are associated with the level of authentication associated with the determined authentication bucket;
determine that the mobile device has recently performed an authenticated transaction;
determine that a location of the mobile device is within a certain geography;
based on the recently performed authenticated transaction and the location of the mobile device, change the authentication bucket that corresponds with the requested function so that a lower level of authentication is required;
determine which second one or more authentication types from the plurality of authentication types are associated with the lower level of authentication;
request, from the user by the mobile device, one or more authentication credentials corresponding to the determined second one or more authentication types;
receive one or more authentication credentials from the user;
validate the one or more authentication credentials, thereby resulting in a successful validation of the one or more authentication credentials; and
in response to the successful validation of the one or more authentication credentials, enable access to the function requested by the user.
1 Assignment
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Accused Products
Abstract
Embodiments are directed to systems, methods and computer program products for sorting mobile banking functions into authentication buckets. Embodiments determine, for each of a plurality of mobile banking functions, a corresponding authentication buckets, where each authentication bucket corresponds with a level of authentication. Some embodiments receive a request, from a user, to access a function; access the plurality of authentication buckets to determine which of the authentication buckets corresponds with the requested function; determine the level of authentication associated with the determined authentication bucket; determine which authentication types are associated with the level of authentication; request authentication credentials corresponding to the authentication types; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and, in response to the successful validation of the authentication credentials, enable access to the function requested by the user.
152 Citations
18 Claims
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1. A mobile device for sorting mobile banking application functions into authentication buckets, the mobile device comprising:
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a memory; a processor; and a module stored in the memory, executable by the processor, and configured to; determine, for each of a plurality of mobile banking application functions, a corresponding one of a plurality of authentication buckets; wherein each of the plurality of authentication buckets corresponds with one of a plurality of levels of authentication, which together comprise a continuum of authentication; receive a request, from a user, to access one of the plurality of mobile banking application functions of a mobile banking application running on the mobile device; access the plurality of authentication buckets to determine which of the authentication buckets corresponds with the requested function; determine the level of authentication associated with the determined authentication bucket; determine which one or more authentication types from a plurality of authentication types are associated with the level of authentication associated with the determined authentication bucket; determine that the mobile device has recently performed an authenticated transaction; determine that a location of the mobile device is within a certain geography; based on the recently performed authenticated transaction and the location of the mobile device, change the authentication bucket that corresponds with the requested function so that a lower level of authentication is required; determine which second one or more authentication types from the plurality of authentication types are associated with the lower level of authentication; request, from the user by the mobile device, one or more authentication credentials corresponding to the determined second one or more authentication types; receive one or more authentication credentials from the user; validate the one or more authentication credentials, thereby resulting in a successful validation of the one or more authentication credentials; and in response to the successful validation of the one or more authentication credentials, enable access to the function requested by the user. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for sorting mobile banking application functions into authentication buckets, the method comprising:
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determining, by a mobile device of a user, for each of a plurality of mobile banking application functions, a corresponding one of a plurality of authentication buckets; wherein each of the plurality of authentication buckets corresponds with one of a plurality of levels of authentication, which together comprise a continuum of authentication; receiving a request, by the mobile device and from the user, to access one of the plurality of mobile banking application functions of a mobile banking application running on the mobile device; accessing, by the mobile device of the user, the plurality of authentication buckets to determine which of the authentication buckets corresponds with the requested function; determining, by the mobile device of the user, the level of authentication associated with the determined authentication bucket; determining, by the mobile device of the user, which one or more authentication types from a plurality of authentication types are associated with the level of authentication associated with the determined authentication bucket; determining that the mobile device has recently performed an authenticated transaction; determining that a location of the mobile device is within a certain geography; based on the recently performed authenticated transaction and the location of the mobile device, changing the authentication bucket that corresponds with the requested function so that a lower level of authentication is required; determining which second one or more authentication types from the plurality of authentication types are associated with the lower level of authentication; requesting, by the mobile device of the user, one or more authentication credentials corresponding to the determined second one or more authentication types; receiving, by the mobile device of the user, one or more authentication credentials from the user; validating, by the mobile device of the user, the one or more authentication credentials, thereby resulting in a successful validation of the one or more authentication credentials; and in response to the successful validation of the one or more authentication credentials, enabling access to the function requested by the user. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A computer program product for sorting mobile banking application functions into authentication buckets, the computer program product comprising a non-transitory computer-readable medium comprising code causing a mobile device of a user to:
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determine, for each of a plurality of mobile banking application functions, a corresponding one of a plurality of authentication buckets; wherein each of the plurality of authentication buckets corresponds with one of a plurality of levels of authentication, which together comprise a continuum of authentication; receive a request, from a user, to access one of the plurality of mobile banking application functions of a mobile banking application running on the mobile device; access the plurality of authentication buckets to determine which of the authentication buckets corresponds with the requested function; determine the level of authentication associated with the determined authentication bucket; determine which one or more authentication types from a plurality of authentication types are associated with the level of authentication associated with the determined authentication bucket; determine that the mobile device has recently performed an authenticated transaction; determine that a location of the mobile device is within a certain geography; based on the recently performed authenticated transaction and the location of the mobile device, change the authentication bucket that corresponds with the requested function so that a lower level of authentication is required; determine which second one or more authentication types from the plurality of authentication types are associated with the lower level of authentication; request one or more authentication credentials corresponding to the determined one or more authentication types; receive one or more authentication credentials from the user; validate the one or more authentication credentials, thereby resulting in a successful validation of the one or more authentication credentials; and in response to the successful validation of the one or more authentication credentials, enable access to the function requested by the user. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification