Systems and methods for location-binding authentication

US11132425B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Gerard K. Cohen · Rosh HaAyin, IL
• Michelle D. Green · San Francisco, US
• Christopher Smith · Charlotte, US
• Craig Stuart · San Francisco, US
• Kenneth L. Wright · Austin, US
• Michelle M. Young · Houston, US

Key dates

• Filing date: Jul 7, 2016
• Grant date: Sep 28, 2021
• Expiry date: Sep 2, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F2221/2111
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems, methods, and apparatuses for authenticating a user based at least in part on a location of the user or a location of a user device are described. The user may be authenticated as part of a financial transaction or as part of a login process for a computing device. The user device was previously bound or associated with the user. During the authentication, a system (e.g., a financial institution computing system or a backend authentication system) requests location information from the user device. The location information may be packaged as a digital fingerprint of the user device, which can only be created from the user device. Based on the location information, the user can be authenticated thereby approving the transaction or login request.