Wells Fargo Bank, N.a.

Mike Duke

Erika L Anderson

Kourtney Eidam

Ross Goddard

An automated teller machine comprising a sensor, a network interface, and a processor configured to receive, during a transaction at the automated teller machine, user data from the sensor configured to monitor user movement information during the transaction, receive, via the network interface, user data from a mobile device, determine a risk of a fraudulent transaction based on a comparison of the user movement information from the sensor and the user data from the mobile device to expected parameters, determine that the risk of a fraudulent transaction is below a threshold, and allow access to a secure resource at the automated teller machine.

Systems and methods for dynamic bio-behavioral authentication

Systems and methods for multifactor authentication are disclosed. One illustrative system described herein includes: a network interface; and a processor coupled to the network interface and configured to: begin a transaction to allow a user to access a secure resource; receive, via the network interface, user data from a mobile device, the user data comprising behavior data associated with the user; compare one or more parameters of the behavior data to expected parameters; and if the parameters are within a required range, allow access to the secure resource; or if the parameters are outside of the required range, restrict access to the secure resource.

A method includes receiving, on an electronic payment device, a radio frequency signal from a mobile electronic device. The radio frequency signal is used to control an activation of an electric current to one or more color producing components on the electronic payment device. The electric current is transmitted to the one or more color producing components. The one or more color producing components display a color when the electric current is transmitted to the color producing components.

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Monroe, NC, United States of America

Mike Duke