Systems and methods for network authentication with a shared secret

A merchant computing system comprising:

• a network interface enabling the computing system to exchange information over a network provided by the merchant;
• a customer database configured to store information pertaining to a plurality of customer purchases of a plurality of customers, wherein the customer purchases are from the merchant;
• and
• a processing circuit configured to:
• associate a customer device of a customer with a financial transaction record and the merchant, the financial transaction record indicative of a first purchase from the merchant by the customer and completed a predetermined period of time prior to a first request to connect to the network provided by the merchant;
• receive, by the network interface, the first request to connect to the network from the customer device after completion of the first purchase;
• select the financial transaction based on the predetermined time period and the merchant;
• transmit, by the network interface, a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of the financial transaction record indicative of the first purchase from the merchant by the customer, the aspect of the first purchase established as a network authentication credential for the customer for the network provided by the merchant;
• receive, by the network interface, a customer-input response to the first query;
• authenticate the first request by determining that the customer-input response to the first query corresponds to the established aspect of the first purchase in accordance with a predetermined accuracy threshold, the predetermined accuracy threshold being associated with a maximum difference between the customer-input response and the established aspect of the first purchase;
• and
• authorize connection of the customer device to the network based at least in part on the first request being authenticated.

One or more non-transitory computer readable media having computer-executable instructions provided therein, when executed by a computing system associated with a merchant, causes the computing system to authorize a request to connect to a network provided by the merchant, comprising:

• associating a customer device of a customer with a financial transaction record and the merchant, the financial transaction record indicative of a first purchase from the merchant by the customer and completed a predetermined period of time prior to a first request to connect to the network provided by the merchant;
• receiving the first request to connect to the network provided by the merchant from the customer device after completion of the first purchase;
• selecting the financial transaction based on the predetermined time period and the merchant;
• transmitting a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of the financial transaction record indicative of the first purchase from the merchant by the customer, the aspect of the first purchase established as a network authentication credential for the customer for the network provided by the merchant;
• receiving a customer-input response to the first query;
• authenticating the first request by determining that the customer-input response to the first query corresponds to the established aspect of the first purchase in accordance with a predetermined accuracy threshold, the predetermined accuracy threshold being associated with a maximum difference between the customer-input response and the established aspect of the first purchase;
• and
• authorizing connection of the customer device to the network provided by the merchant based at least in part on the first request being authenticated.