Authentication system using wearable presence to maintain account authentication

Patent metadata

Field	Value
Publication number	US-2017061424-A1
Application number	US-201514842303-A
Country	US
Kind code	A1
Filing date	Sep 1, 2015
Priority date	Sep 1, 2015
Publication date	Mar 2, 2017
Grant date	—

Abstract

The present disclosure describes using wearable presence to maintain account authentication. Embodiments herein disclosed receive an authentication request from a wearable device of a user to initiate a transaction using the wearable device; wherein the wearable device includes one or more sensors configured to gather user data including physiological or movement data, or a combination of both; wherein the authentication request includes a transaction type, a transaction amount, and at least one account to be used via the wearable device for the transaction. Embodiments determine if the user is in possession of the wearable device, based on the user data; and, if so, authenticate the at least one account. Embodiments continuously monitor user data from the wearable device to determine if the user remains in possession of the wearable device; and, if so, maintain authentication to the account, thereby allowing the user to conduct one or more transactions upon authentication.

First claim

What is claimed is:

1 . A system for using wearable presence to maintain account authentication, the system comprising:
a computer apparatus comprising at least one processor and a memory; and a software module, stored in the memory, comprising computer readable code executable by the processor to cause the processor to:
receive an authentication request from a wearable device of a user, wherein the wearable device comprises one or more sensors configured to gather user data comprising physiological data, movement data, or a combination of both;
determine that the user is in possession of the wearable device, based on the user data;
authenticate the at least one account, if the user is in possession of the wearable device, to enable execution of one or more transactions via the wearable device;
monitor the user data from the wearable device to determine that the user remains in possession of the wearable device; and
maintain authentication to the account, based on the determination that the user remains in possession of the wearable device, thereby allowing the user to conduct the one or more transactions upon authentication.

2 . The system of claim 1 , wherein the wearable device is paired with a mobile device of the user via a secure channel between the two devices over a short range wireless communication channel, wherein the secure channel is established by utilizing one or more applications provided by the system or by third-parties, and wherein the mobile device comprises a positioning device.

3 . The system of claim 2 , wherein the user data is transmitted to the mobile device or to an online storage site, both accessible to the system.

4 . The system of claim 2 , wherein the authentication request is sent through the mobile device.

5 . The system of claim 2 , wherein the software module is further configured to:
determine, via the positioning device, the location of the mobile device of the user; determine, via the secure channel, that the mobile device is paired with the wearable device; and determine that the user is in possession of the wearable device, in response to determination of the location of the mobile device and that the mobile device is paired with the wearable device.

6 . The system of claim 2 , wherein the software module is further configured to:
monitor the mobile device, via the positioning device, to determine the location of the mobile device of the user; monitor the mobile device, via the secure channel, to determine that the mobile device remains paired with the wearable device; and monitor that the user remains in possession of the wearable device, in response to the determination of the location of the mobile device and that the mobile device remains paired with the wearable device.

7 . The system of claim 1 , wherein the authentication request comprises the user account information comprising a username, a password, a personal identification number (PIN), an account number, a card number, one or more related accounts, or any combination thereof.

8 . The system of claim 1 , wherein the physiological data comprises heart rate, blood pressure, fingerprints, finger, vein, wrist, or palm vein or skin patterns, temperature, skin reading, fluid reading, or breath reading; wherein the movement data comprises body movements or gait.

9 . The system of claim 1 , wherein the authentication request comprises requests for receiving statements related to an account history, executing a purchase at a point-of-sale of a merchant, processing automated teller machine (ATM) transactions, transferring funds from domestic or international accounts, processing commercial payments related to online bill-pay, peer-to-peer payments, account withdrawals, account deposits, or any combination thereof, and the authentication requests comprises a transaction type, a transaction amount, or at least one account to be used via the wearable device for the transaction.

10 . The system of claim 1 , wherein the wearable device comprises a watch, a wristband, an ear-pod, a necklace, a wristlet, an anklet, an earring, a headband, a ring, a belt, eyeglasses, contact lenses, or clothing.

11 . The system of claim 1 , wherein the at least one account comprises a deposit account, a debit account, a savings account, a checking account, an investment account, a money market account, or a credit account.

12 . The system of claim 1 , wherein the authentication is maintained until closed by the user.

13 . The system of claim 1 , wherein the authentication is maintained for a time period set by an entity maintaining the account for the user.

14 . A computer-implemented method for using wearable presence to maintain account authentication, the method comprising:
receiving an authentication request from a wearable device of a user, wherein the wearable device comprises one or more sensors configured to gather user data comprising physiological data, movement data, or a combination of both; determining that the user is in possession of the wearable device, based on the user data; authenticating the at least one account, if the user is in possession of the wearable device, to enable execution of one or more transactions via the wearable device; monitoring the user data from the wearable device to determine that the user remains in possession of the wearable device; and maintaining authentication to the account, based on the determination that the user remains in possession of the wearable device, thereby allowing the user to conduct the one or more transactions upon authentication.

15 . The method of claim 14 , wherein the wearable device is paired with a mobile device of the user via a secure channel between the two devices over a short range wireless communication channel, wherein the secure channel is established by utilizing one or more applications provided by the system or by third-parties, and wherein the mobile device comprises a positioning device.

16 . The method of claim 15 , wherein determining further comprises:
determining, via the positioning device, the location of the mobile device of the user; determining, via the secure channel, that the mobile device is paired with the wearable device; and determining that the user is in possession of the wearable device, in response to the determination of the location of the mobile device and that the mobile device is paired with the wearable device.

17 . The method of claim 15 , wherein continuously monitoring further comprises:
monitoring the mobile device, via the positioning device, to determine the location of the mobile device of the user; monitoring the mobile device, via the secure channel, to determine that the mobile device remains paired with the wearable device; and monitoring that the user remains in possession of the wearable device, in response to the determination of the location of the mobile device and that the mobile device remains paired with the wearable device.

18 . A computer program product for using wearable presence to maintain account authentication, the computer program product comprising a non-transitory computer readable medium having one or more computer-readable programs stored therein, and the computer readable programs, when executed by a computer apparatus, cause the computer apparatus to perform the following steps:
receiving an authentication request from a wearable device of a user, wherein the wearable device comprises one or more sensors configured to gather user data comprising physiological data, movement data, or a comb

Assignees

• Bank Of America

Inventors

• Dent Nathan
• Bryant Matthew K
• Munson Nicholas

Classifications

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/3227 Primary

  using secure elements embedded in M-devices · CPC title

• G06Q20/3224 Primary

  Transactions dependent on location of M-devices · CPC title

• G06Q20/321

  using wearable devices · CPC title