Home router authentication device

A method of authenticating a transaction using a user authentication device plugged into a router, wherein the user authentication device stores a user identification, the method comprising:

• storing, by a bank server, a policy for a user account;
• logging, by the bank server and via the router, a user device into the user account;
• receiving, by the bank server and via the router, a transaction request associated with the user account from the user device;
• determining, by the bank server, based on the transaction request and the policy for the user account, that the user authentication device is required for executing a transaction corresponding to the transaction request;
• determining, by the bank server and based on the determination that the user authentication device is required, that the user authentication device is plugged into the router by polling the router and receiving, by the bank server and from the router, the user identification stored on the user authentication device;
• and
• executing, by the bank server, the requested transaction in response to receiving the user identification stored on the user authentication device from the router.