US 2022/0191695 A1 · Real-Time Authentication Using A Mobile Device on A High Generation Cellular Network

Abstract

Aspects of the disclosure relate to methods, systems, and computing platforms for authenticating activity on another computing device in real-time using a mobile device on a high generation cellular network. Aspects of the disclosure leverage and utilize a user's mobile device connected to a high generation cellular network to collect and analyze data about a user to seamlessly identify and prevent potentially fraudulent transactions. More specifically, the present disclosure uses high generation cellular networks, such as a fifth-generation (“5G”) cellular network, to seamlessly, frequently, and repeatedly monitor a user through a 5G mobile device to provide a variation on two-factor authentication. Aspects of the disclosure provide effective, efficient, scalable, fast, reliable, and convenient technical solutions that address and overcome the technical problems associated with monitoring and preventing in real-time potential fraudulent transactions without burdening users (e.g., credit card holders, debit card holders, account holders, and others).

Claims20

Dependent claims

An authentication server device, comprising:

at least one processor;
a communication interface communicatively coupled to the at least one processor;
and
a memory storing a user profile corresponding to a user of a user computing device, wherein the user profile comprises at least one value generated by a mobile device of the user comprising a high generation network communication interface,
the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the authentication server device to:
receive, from the user computing device, a request to approve a transaction, wherein the request includes supplemental data corresponding to the user of the user computing device;
update, substantially in real-time, the user profile stored in the memory with sensor data, wherein:
the sensor data is measured by a sensor system of the mobile device,
the sensor data is sent, by the mobile device, via the high generation network communication interface, and
the updating occurs nearly simultaneously with a submission of the transaction at the user computing device;
and
send, based on the supplemental data in the request matching with the user profile stored in the memory, an approval of the transaction.

9 more elements

Dependencies are inferred from the claim text.

Real-Time Authentication Using A Mobile Device on A High Generation Cellular Network

Life of this patent

Real-Time Authentication Using A Mobile Device on A High Generation Cellular Network

Life of this patent

Abstract

Claims20