USER AUTHENTICATION BY TOKEN AND COMPARISON TO VISITATION PATTERN

摘要

Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.

主权项

1. An apparatus disposed proximate a financial institution location, the apparatus for receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer, the apparatus comprising:
a memory; a processor; and a module stored in the memory, executable by the processor, and configured to:
receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location;access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer;determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; andauthenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.