Wells Fargo Bank, N.a.

Kenneth L Wright

Darrell Lee Suen

Traci H Nguyen

Priyamvada Singh

Michelle M Young

Craig Stuart

Julio Jiron

Muhammad Farukh Munir

Jeffrey A Cornman

Bryan D Hall

Michael H Chang

Christopher Phillip Clausen

John Andrew Chuprevich

Kevin R Cieslak

Christopher P Smith

Bryan Kroll

Samuel B Martin

Gerard K Cohen

Michelle D Green

Samuel Downing

Virginia Randle

Jana L Chilton

Angira Goswami

Darrell L Suen

Traci Nguyen

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

A computer-implemented method includes: generating a GUI including a first button selectable to register identity information and a second button selectable to request identity information; receiving, in response to the first button being selected, pieces of identity information regarding a customer; receiving a preference for each piece of identity information from the customer that governs distribution of identity information to requesting parties; generating a customer-specific key; provisioning the key to an identification chip of a customer computing device; transmitting the graphical user interface to a computing device of a requesting party other than the customer; receiving, in response to the second button being selected, the key, a request for identity information, and an identity of the requesting party; identifying the customer based on the key; determining that a preference for the requested piece of identity information is met; and providing the requested piece of identity information to the requesting party.

Systems and methods for federated identity management

Systems, methods, and computer-readable storage media utilized for event-based authentication. One method includes recognizing an event and receiving, from a device, a withdrawal request of a user, wherein the withdrawal request includes a captured feature by the device. The method further includes determining that the user is associated with the recognized event using at least a geographic proximity between the event and the withdrawal request, wherein the geographic proximity is a given radius around a location of the event, and wherein the device is within the given radius and adjusting authentication rules based on the determination that the user is associated with the recognized event, wherein the adjustment of the authentication rules includes adjusting a matching threshold between the captured feature and a reference feature. The method further includes processing the withdrawal request for the user based on the adjusted authentication rules.

Event-based authentication

A computer-implemented method includes receiving, by a federated identity computing system, identity information from a customer; receiving, by the computing system, preferences for the identity information from the customer, wherein the preferences govern distribution of the identity information to requesting parties; generating, by the computing system, a key specific to the customer; and provisioning, by the computing system, the key to an identification chip associated with the customer. The computer-implemented method further includes receiving, by the computing system, the key and a request for one or more pieces of the identity information from a requesting party and providing, by the computing system, the requested one or more pieces of identity information to the requesting party based on the key and the preferences.

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 authenticating a user based on an event, such as a natural disaster, a gathering of people, and mass activities of people. The method comprises recognizing, by a financial institution computing system, an event; receiving, by the financial institution computing system, a transaction request of a user; determining, by the financial institution computing system, that the user is associated with the recognized event; adjusting, by the financial institution computing system, authentication rules for the user; and processing, by the financial institution computing system, the transaction request for the user based on the adjusted authentication rules.

Event based authentication

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.

Systems and methods for tracking-based transactions

Growing community of inventors

Charlotte, NC, United States of America

Kenneth L Wright