Wells Fargo Bank, N.a.

Melody Kao

Darrell Lee Suen

Kourtney Eidam

Michael Thomas Duke

Christopher Phillip Clausen

Priyamvada Singh

Jeff Cornman

Bipin M Sahni

Matthew Martinez

Provided is dynamic and flexible authentication based on an interaction over a communications link between a user device and a financial entity. A set of interactions enabled at the user device are categorized into different levels, each level comprises a different authentication policy. At about the same time as an interaction is initiated at the device, an authentication policy assigned to the interaction is accessed and a security challenge is activated at the device. Based upon a successful response to the security challenge, an enablement of the communications link is continued. Based upon an unsuccessful response to the security challenge, the communications link is disabled.

Flexible authentication

Value-added services that allow for a seamless integration of actions related to activities and/or events are provided. A determination is made that an event has started based on scheduled event data or historical information associated with a user. Profile data associated with the user is identified based on the start of the first event. The identity of the user is verified based on a mapping between the profile data and data related to the first event. Further, an activity related to a second event is triggered after completion of a transaction of the first event is completed. A suggested action may be activated based on the trigger event. The suggested action is based on historical information associated with the user and is not a component of the first event or the second event.

Value-added services provided in a seamless life format

Provided is relative multifactor authentication for interactions between users and one or more entities. Relative multifactor authentication includes monitoring a set of attributes associated with a user during an interaction between the user and the entity. The set of attributes include at least two of a behavioral attribute, a health attribute, a geospatial attribute, and a device attribute. Relative multifactor authentication also include comparing respective parameters of attributes of the set of attributes with expected parameters and determining an authentication status based on the comparison and weighted values assigned to respective attributes of the set of attributes. The user is selectively authenticated to begin to continue the interaction based on the authentication status.

Relative and dynamic multifactor authentication

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San Francisco, CA, United States of America

Melody Kao