Systems and methods for user authentication via mobile device

摘要

A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.

主权项

1. A non-transitory computer-readable medium comprising computer-readable instructions for user authentication, said computer-readable instructions comprising instructions executable by at least one processor to cause at least one computing device to:
receive information of a financial card of a user; receive a request for authentication to access an account of the financial card; in response to the request, display a plurality of images on a mobile device of the user; receive a selection of a first image from the plurality of images from the user; display the first image on the mobile device of the user; receive a first gesture performed by the user over the first image; generate a composite image by combining the first image with the first gesture; retrieve a second composite image formed by a combination of a second gesture and a second image of the user that have been stored at an institution system of the financial card; and determine that the first composite image matches the second composite image; and based on the determination, authenticate the user to access the account of the financial card.