Abstract: Disclosed embodiments may include a method for fraud prevention. The method may include receiving a login request for an account associated with a user and a geolocation of the user device, and determining whether the geolocation of the user device falls outside of a known customer geographic region. In responsive to determining the geolocation of the user falls outside of the known customer geographic region, the method may include transmitting a request for a first step-up authentication information to the user device, receiving, via the user device, the first step-up authentication information using one or more step-up authentication methods, and determining whether the first step-up authentication information matches known first step-up authentication information. In response to determining that the first step-up authentication information matches a known first step-up authentication information, the method may include authorizing the user device to access the account of the user.

Abstract: Verification techniques based on wireless communication with a contactless card. A passcode is generated based on a cryptogram read from a contactless card. The passcode is generated responsive to a device detecting the contactless card. The passcode has an associated account and an associated validity criterion. The passcode is stored on a server. A request specifying to perform an operation associated with the account and further specifying a passcode generated prior to the operation being specified is received. Upon a determination that the specified passcode matches the stored passcode and that the validity criterion remains satisfied, the operation specified by the request is authorized to be performed.

Abstract: Systems and methods for enhanced security to log in to a mobile application are provided. A short-range communication antenna of a mobile device can receive a cryptogram from a contactless card, and a processor of the mobile device can verify the cryptogram to identify a customer account associated with the contactless card and verify that a phone number of the mobile device is associated with the customer account. Then, a user interface device of the mobile device can receive enhanced security input data, and the the processor of the mobile device can verify that the enhanced security input data matches enhanced security record data associated with the customer account. When the cryptogram, the phone number of the mobile device, and the enhanced security input data have been verified, systems and methods disclosed here can log in to a mobile application running on the mobile device to access the customer account.

Abstract: Systems and methods disclosed herein can determine when a digital transaction initiated in connection with a user account satisfies at least one predetermined risk factor. Responsive thereto, systems and methods disclosed herein can increase security to verify that the digital transaction is likely being initiated by an authorized user of the user account prior to executing the digital transaction in connection with the user account. To do so, a mobile device can communicate with a contactless card to receive a cryptogram therefrom, verify the cryptogram to identify the user account and to confirm that the contactless card is associated with the user account, and verify that a phone number of the mobile device is also associated with the user account.

Abstract: A method, a system, and a computer program product for randomly generating and updating passwords for authentication to digital services. A first password associated with authenticating of a user is received. A plurality of random second passwords is generated based on the received first password. One or more random second passwords in the plurality of random second passwords are configured to authenticate the user for accessing at least one secure service. At least one random second password in the plurality of random second passwords is selected based on at least one factor and updated to generate an updated at least one random second password. The user is authenticated using the updated random second password for accessing the secure service.

Abstract: A mobile device can receive a network address from a contactless card, access a web page at the network address, receive a cryptogram from the contactless card, identify a customer account associated with the contactless card, and verify that a phone number of the mobile device is associated with the customer account. When the phone number of the mobile device has been verified as being associated with the customer account, the mobile device can receive user input for accessing the customer account and enroll the contactless card with the mobile application for digitally accessing the customer account via the mobile application.

Abstract: A mobile device can receive a cryptogram from a contactless card, verify the cryptogram, and when the cryptogram has been verified and a merchant mobile application is running on the mobile device, launch a shopping mobile application and/or a shopping browser extension on the mobile device.

Abstract: Methods and systems are described herein for novel uses and/or improvements in application or service authentication for a provider of disparate applications and/or services using blockchain technology. As one example, a method and a system are described herein for a unified user device authentication mechanism across multiple lines of service using cryptographic tokens. The system may receive, as part of a login request from a user, an address associated with a cryptography-based storage application, a cryptographic signature, and an identifier associated with a cryptographic token. The system may verify that the cryptographic token is valid and that the cryptography-based storage application controls the cryptographic token to grant the user access to the application or line of service.