Wells Fargo Bank, N.a.

Craig Stuart

Michelle M Young

Kenneth L Wright

Christopher P Smith

Gerard K Cohen

Michelle D Green

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. A method includes: receiving a login request including a user identifier associated with a user; transmitting a request for location information of a user device associated with the user; causing computer-executable code deployed to the user device to generate a location-based modifiable digital fingerprint comprising a first encoded value based on a unique identifier of the user device and a second encoded value based on a first location information of the user device; receiving the location-based modifiable digital fingerprint from the user device; verifying that the location information from the location-based modifiable digital fingerprint corresponds to a second location; and providing the user access to the computing device.

Systems and methods for location-binding authentication

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.

Methods and systems of completing tracking-based transactions are disclosed. A financial institution computing system includes a customer database retrievably storing information relating to a plurality of financial accounts, a tag database retrievably storing information relating to a plurality of tags, a network interface circuit, and a transaction circuit. The transaction circuit receives a transaction request with at least one tag relating to an order of goods from a seller computing system. A transaction schedule is generated based on the transaction request and customer information in the customer database, and is stored in the tag database. The transaction circuit receives tag data corresponding to physical movement of the order of goods and performs at least one transaction pursuant to the transaction schedule based on received tag data.

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San Francisco, CA, United States of America

Craig Stuart