Apparatus, system, and method for user authentication based on authentication credentials and location information

An apparatus for authenticating a user based on authentication credentials and location information, the apparatus comprising:

• a communication module configured to reference past user location information in response to an authentication attempt, the past user location information comprising a past user interaction timestamp and a past user interaction location identifier, and reference current user location information, the current user location information comprising an authentication attempt timestamp and an authentication attempt location identifier;
• a determination module configured to determine a maximum allowable distance between a physical authentication attempt location associated with the authentication attempt location identifier and a past physical location associated with the past user interaction location identifier;
• and
• a validation module configured to manage the authentication attempt, in response to the determination module determining that the physical authentication attempt location is outside the maximum allowable distance from the past physical location and configured to allow the authentication attempt of the user, in response to determining that the physical authentication attempt location is within the maximum allowable distance from the past physical location.

A system for authenticating a user based on authentication credentials and location information, the system comprising:

• a network configured to communicate data between a plurality of devices;
• a client in communication with the network, the client configured to provide authentication credentials and current user location information, the current user location information comprising an authentication attempt timestamp and an authentication attempt location identifier;
• and
• a server in communication with the network, the server configured to:
• reference past user location information in response to an authentication attempt, the past user location information comprising a past user interaction timestamp and a past user interaction location identifier;
• reference current user location information;
• determine a maximum allowable distance between a physical authentication attempt location associated with the authentication attempt location identifier and a past physical location associated with the past user interaction location identifier;
• and
• manage the authentication attempt, in response to determining that the physical authentication attempt location is outside the maximum allowable distance from the past physical location.

A computer program product having computer usable program code executable to perform operations for a third-party validation service based on user location information, the operations of the computer program product comprising:

• tracking user location information based on a user interaction;
• receiving a location validation request with current user location information;
• the current user location information comprising an authentication attempt timestamp and an authentication attempt location identifier;
• referencing past user location information, the past user location information comprising a past user interaction timestamp and a past user interaction location identifier;
• determining a maximum allowable distance between a physical authentication attempt location associated with the authentication attempt location identifier and a past physical location associated with the past user interaction location identifier;
• and
• denying the location validation request, in response to determining that the current physical user location is outside the maximum allowable distance, and allowing the location validation request, in response to determining that the physical authentication attempt location is within the maximum allowable distance from the past physical location.