Systems and methods for performing authentication of a customer interacting with a banking platform

A system that authenticates a customer device, in conjunction with a requested interaction, the customer device associated with a customer, the system in the form of a tangibly embodied computer maintained by an authentication entity, the system including:

• a processing portion comprising at least one computer processor that receives data from the customer device, the data related to a requested interaction of the customer device with the authentication entity, wherein the data comprises a username and password;
• the processing portion, via at least one computer processor, configured to perform:
• inputting a device attribute, from the customer device, that constitutes an observed device attribute;
• securing a determined device attribute wherein the determined device attribute further comprises one or more of:
• date information, time information, merchant information and geographical information;
• performing an authentication test including comparing the observed device attribute vis-à-vis the determined device attribute;
• and
• based on the comparing, determining whether the authentication test is passed, and
• outputting approval of the requested interaction and a new device attribute to the customer device, if the authentication test is passed;
• and
• outputting disapproval of the requested interaction, if the authentication test is not passed;
• creating a varied device attribute by performing a calculation on the determined device attribute, based at least in part on whether the authentication test is passed;
• and performing an additional authentication test comparing the observed device attribute and the varied determined device attribute.

A method of authenticating a customer device, in conjunction with a requested interaction, the customer device associated with a customer, the method performed by an authentication entity processing portion in the form of a tangibly embodied computer, the method including:

• receiving data from the customer device, the data related to a requested interaction of the customer device with the authentication entity processing portion, the authentication entity processing portion maintained by an authentication entity, wherein the data comprises a username and password;
• inputting a device attribute, from the customer device, that constitutes an observed device attribute;
• securing a determined device attribute wherein the determined device attribute further comprises one or more of:
• date information, time information, merchant information and geographical information;
• performing an authentication test including comparing the observed device attribute vis-à-vis the determined device attribute;
• and
• based on the comparing, determining whether the authentication test is passed, and
• outputting approval of the requested interaction and a new device attribute to the customer device, if the authentication test is passed;
• and
• outputting disapproval of the requested interaction, if the authentication test is not passed;
• creating a varied device attribute by performing a calculation on the determined device attribute, based at least in part on whether the authentication test is passed;
• and performing an additional authentication test comparing the observed device attribute and the varied determined device attribute;
• wherein the securing a determined device attribute includes the authentication entity processing portion retrieving the determined device attribute from a database of the authentication entity;
• wherein the securing a determined device attribute includes the authentication entity processing portion calculating the determined device attribute based on data retrieved from a database of the authentication entity;
• wherein the inputting a device attribute, from the customer device, that constitutes an observed device attribute including:
• sending a query to the customer device, the query requesting a specific device attribute from the customer device;
• and
• inputting a query response, which constitutes a response to the query, from the customer device, the query response including the observed device attribute;
• wherein the authentication entity is a bank;
• wherein the requested interaction of the customer device with the authentication entity constituting a session over the Internet between the customer device and the authentication entity;
• wherein the data is transaction data, the transaction data being input by the authentication entity processing portion directly from a merchant;
• and
• wherein the transaction data is associated with a requested purchase of an item by the customer.