Wells Fargo Bank, N.A.

Michelle D Green

Christopher P Smith

Gerard K Cohen

Kenneth L Wright

Michelle M Young

Craig Stuart

Brian Mooneyham

Manuel Jasso

Ryan Van Oss

Aaron Armstrong

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 setting credentials for accounts, or cards associated with accounts, are provided. A queue of credentials may be maintained for facilitating access to at least one account of a user. Credentials in the queue may be automatically generated using information provided by the user without additional input from the user. A deactivation event relating to the account may be detected, in response to which one credential for the account may be deactivated. A new credential from the queue may be activated to facilitate access to the account.

Systems and methods for providing queued credentials for an account

Systems, methods, and apparatuses for changing credentials for an account, or a card associated with an account are provided. A method of changing user credentials by creating a queue of credentials for facilitating access to at least one account of a user, where each credential in the queue of credentials is randomly and automatically generated using information provided by the user without additional input from the user; detecting a deactivation event relating to an account of the at least one account of the user; responsive to the detected deactivation event, deactivating a current credential for the account; and activating a new credential to facilitate access to the account, where the new credential is next in the queue of credentials.

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.

Systems and methods that facilitate capturing web analytics data are disclosed. One example method can include the acts of receiving a web page request from a client computer and providing the requested web page to the client computer. The requested web page can include one or more analytics tags. The method can also include capturing at least one of client side information, performance of, or one or more user interactions with the web page and providing the captured information to a web server associated with the web page. These interactions can include user actions that do not include a call to a web server, such as actions that occur during an AJAX flow.

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San Francisco, CA, United States of America

Michelle D Green