System and method to recognize unauthenticated visitors

A non-transitory computer-readable media storing a program, which when executed by a processor, performs operations comprising:

• receiving a request to access a first online financial application from a client device,
• wherein the first online financial application is one of a plurality of online financial applications made available by an online financial service, and
• wherein the plurality of online financial applications includes a second online financial application;
• generating a browser fingerprint for a browser application on the client device by applying a fingerprinting algorithm to browser metadata, wherein the fingerprinting algorithm generates a unique and reproducible browser fingerprint for the client device from the browser metadata, the browser metadata obtained from a web browser of the client device;
• associating, in a user profile, the browser fingerprint, if generated, with external user data obtained from a web analytics tool and internal user data obtained from the online financial service;
• receiving login credentials for the first online financial application from a user of the client device;
• retrieving, using the login credentials, additional internal user data maintained by the online financial service;
• receiving, from the user, a request to access the second online financial application;
• detecting the browser fingerprint from the client device based on the request to access the second online financial application;
• and
• prior to authenticating the user for the second online financial application:
• retrieving, using the browser fingerprint, the external user data, the internal user data, and the additional internal user data from the user profile, and
• personalizing, using the external user data, the internal user data, and the additional internal user data, a user interface presented by the second online financial application to the user to obtain a personalized user interface.

A system, comprising:

• a hardware processor and memory;
• and
• software instructions stored in the memory, which when executed by the hardware processor, cause the hardware processor to:
• receive a request to access a first online financial application from a client device,
• wherein the first online financial application is one of a plurality of online financial applications made available by an online financial service, and
• wherein the plurality of online financial applications includes a second online financial application,
• generate a browser fingerprint for a browser application on the client device by applying a fingerprinting algorithm to browser metadata, wherein the fingerprinting algorithm generates a unique and reproducible browser fingerprint for the client device from the browser metadata, the browser metadata obtained from a web browser of the client device,
• associate, in a user profile, the browser fingerprint, if generated, with external user data obtained from a web analytics tool and internal user data obtained from the online financial service,
• receive login credentials for the first online financial application from a user of the client device,
• use the login credentials to retrieve additional internal user data maintained by the online financial service,
• receive, from the user, a request to access the second online financial application;
• detect the browser fingerprint from the client device based on the request to access the second online financial application;
• and
• prior to authenticating the user for the second online financial application:
• retrieving, using the browser fingerprint, the external user data, the internal user data, and the additional internal user data from the user profile, and
• personalize, using the external user data, the internal user data, and the additional internal user data, a user interface presented by the second online financial application to the user to obtain a personalized user interface.