User authentication based on historical transaction data
First Claim
1. A method for increasing confidence in user authentication based on transaction data indicating that one or more geographically proximate, card-present transactions were recently approved, the method comprising:
- receiving, by a mobile device of a user and from the user, a request to execute a user action associated with a software application, wherein execution of the user action requires validation of one or more authentication credentials;
collecting a transaction set of data comprising information related to one or more card-present transactions conducted by the user, the information indicating that the one or more card-present transactions were approved, card-present transactions and indicating one or more transaction locations at which the one or more card-present transactions were approved;
collecting, by the mobile device, a location set of data comprising information related to a physical location of the user;
determining a current time of day;
determining, by the mobile device, a transaction proximity score associated with the user and the one or more card-present transactions, comprising;
determining a geographic distance between one or more of the card-present transactions represented in the transaction set of data and the location of the user;
determining an amount of time expired between approval of the one or more card-present transactions and the current time of day;
retrieving a proximity threshold associated with the one or more card-present transactions and the amount of time expired;
determining whether the user is within the proximity threshold based at least in part on the geographic distance; and
determining the transaction proximity score based at least in part on the determination whether the user is within the proximity threshold;
determining, by the mobile device, a level of authentication associated with the determined transaction proximity score, wherein the determined level of authentication varies as the geographic distance varies;
determining, by the mobile device, which one or more authentication types from a plurality of authentication types are associated with the level of authentication associated with the transaction proximity score;
requesting, by the mobile device, from the user one or more authentication credentials corresponding to the determined one or more authentication types;
receiving, by the mobile device and from the user, one or more authentication credentials from the user;
validating, by the mobile device, 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, allowing, by the mobile device, the user action on the software application.
1 Assignment
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Accused Products
Abstract
Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation of authentication credentials; collect a transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; 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, execute the user action.
144 Citations
11 Claims
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1. A method for increasing confidence in user authentication based on transaction data indicating that one or more geographically proximate, card-present transactions were recently approved, the method comprising:
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receiving, by a mobile device of a user and from the user, a request to execute a user action associated with a software application, wherein execution of the user action requires validation of one or more authentication credentials; collecting a transaction set of data comprising information related to one or more card-present transactions conducted by the user, the information indicating that the one or more card-present transactions were approved, card-present transactions and indicating one or more transaction locations at which the one or more card-present transactions were approved; collecting, by the mobile device, a location set of data comprising information related to a physical location of the user; determining a current time of day; determining, by the mobile device, a transaction proximity score associated with the user and the one or more card-present transactions, comprising; determining a geographic distance between one or more of the card-present transactions represented in the transaction set of data and the location of the user; determining an amount of time expired between approval of the one or more card-present transactions and the current time of day; retrieving a proximity threshold associated with the one or more card-present transactions and the amount of time expired; determining whether the user is within the proximity threshold based at least in part on the geographic distance; and determining the transaction proximity score based at least in part on the determination whether the user is within the proximity threshold; determining, by the mobile device, a level of authentication associated with the determined transaction proximity score, wherein the determined level of authentication varies as the geographic distance varies; determining, by the mobile device, which one or more authentication types from a plurality of authentication types are associated with the level of authentication associated with the transaction proximity score; requesting, by the mobile device, from the user one or more authentication credentials corresponding to the determined one or more authentication types; receiving, by the mobile device and from the user, one or more authentication credentials from the user; validating, by the mobile device, 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, allowing, by the mobile device, the user action on the software application. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer program product for increasing confidence in user authentication based on transaction data indicating that one or more geographically proximate, card-present transactions were recently approved, the computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus to:
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receive from a user, a request to execute a user action associated with a software application, wherein execution of the user action requires validation of one or more authentication credentials; collect a transaction set of data comprising information related to one or more card-present transactions conducted by the user, the information indicating that the one or more card-present transactions were approved, card-present transactions and indicating one or more transaction locations at which the one or more card-present transactions were approved; collect a location set of data comprising information related to a physical location of the user; determine a current time of day; determine a transaction proximity score associated with the user and the one or more card-present transactions, comprising; determine a geographic distance between one or more of the card-present transactions represented in the transaction set of data and the location of the user; determine an amount of time expired between approval of the one or more card-present transactions and the current time of day; retrieve a proximity threshold associated with the one or more card-present transactions and the amount of time expired; determine whether the user is within the proximity threshold based at least in part on the geographic distance; and determine the transaction proximity score based at least in part on the determination whether the user is within the proximity threshold; determine a level of authentication associated with the determined transaction proximity score, wherein the determined level of authentication varies as the geographic distance varies; determine which one or more authentication types from a plurality of authentication types are associated with the level of authentication associated with the transaction proximity score; 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, allowing, by the mobile device, the user action on the software application. - View Dependent Claims (8, 9, 10, 11)
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Specification