Abstract: Techniques are disclosed relating to tokenized account information with integrated authentication. In some embodiments, a shared secret key is used for tokenization and authentication. In some embodiments, a payment device stores an encrypted version of the secret key and decrypts the secret key based on a user-provided password. In some embodiments, the payment device uses the secret key and a moving factor to generate a limited-use password. In some embodiments, the payment device uses the limited-use password to modify a first identifier of an account of the user. In some embodiments, the authentication system retrieves a stored version of the secret key and a copy of the account number using a second identifier. In some embodiments, the authentication system generates the limited-use password based on the stored secret key and a moving factor, de-tokenizes the modified first identifier, and compares the result with the retrieved copy of the account number.

Abstract: A method includes determining a match score indicative of similarities between (1) signal information associated with a current route being traveled by a user in connection with a transaction with a merchant and (2) signal information associated with an established route traveled by the user in connection with a previous transaction between the user and the merchant, wherein the signal information comprises signal signatures that identify one or more signal emitters identified along each route. The method also includes determining whether the current route matches the established route based on whether the match score is above a threshold. The method further includes if the match score is below the threshold, transmitting a message indicating that the user was not authenticated.

Abstract: An authentication server receives an item authentication query message requesting authentication of an item that is available from a computer server. An authentication score for the item is generated based on information contained in the item authentication query message. The authentication score is then provided for display at a client terminal. Authentication of the information contained in the item authentication query provides a level of computer security to end-users.

Abstract: Techniques are disclosed relating to tokenized account information with integrated authentication. In some embodiments, a shared secret key is used for tokenization and authentication. In some embodiments, a payment device stores an encrypted version of the secret key and decrypts the secret key based on a user-provided password. In some embodiments, the payment device uses the secret key and a moving factor to generate a limited-use password. In some embodiments, the payment device uses the limited-use password to modify a first identifier of an account of the user. In some embodiments, the authentication system retrieves a stored version of the secret key and a copy of the account number using a second identifier. In some embodiments, the authentication system generates the limited-use password based on the stored secret key and a moving factor, de-tokenizes the modified first identifier, and compares the result with the retrieved copy of the account number.

Abstract: Aspects of the embodiments are directed to an augmented reality Completely Automated Public Turing test to tell Computers and Humans Apart (“captcha”). Upon determining that a user, operating a user device, is attempting to access a website, a host server can cause a camera on the user device to activate and begin streaming and image feed to the host device across a network. The host device can determine an appropriate augmentation to the image feed that is germane to the context and/or environment of what is being displayed in the image feed. The augmentation can be displayed to the user on a display of the user device. The augmentation can also include a prompt instructing the user how to interact with the augmentation. The host server can determine whether to grant the user access based on the user's interaction with the augmentation.

Abstract: Aspects of the embodiments are directed to systems, methods, and computer program products that facilitate authentication of a user for providing authentication for access to secured services using an interactive voice response (IVR) service. A user device can include an application. The application can prompt the user to register with an authentication service to create an authentication credential. The user device can receive from the authentication service an authentication secret key. The application can prompt the user for a fingerprint scan, which the application can use to secure the authentication secret key. The user, when attempting to access a secured service, can provide another fingerprint scan to unlock the authentication secret key. The application can generate a one-time-password from the authentication secret key, and can transmit that OTP to an authentication service associated with the secured service provider.

Abstract: Techniques are disclosed relating to tokenized account information with integrated authentication. In some embodiments, a shared secret key is used for tokenization and authentication. In some embodiments, a payment device stores an encrypted version of the secret key and decrypts the secret key based on a user-provided password. In some embodiments, the payment device uses the secret key and a moving factor to generate a limited-use password. In some embodiments, the payment device uses the limited-use password to modify a first identifier of an account of the user. In some embodiments, the authentication system retrieves a stored version of the secret key and a copy of the account number using a second identifier. In some embodiments, the authentication system generates the limited-use password based on the stored secret key and a moving factor, de-tokenizes the modified first identifier, and compares the result with the retrieved copy of the account number.

Abstract: Aspects of the embodiments are directed to an augmented reality Completely Automated Public Turing test to tell Computers and Humans Apart (“captcha”). Upon determining that a user, operating a user device, is attempting to access a website, a host server can cause a camera on the user device to activate and begin streaming and image feed to the host device across a network. The host device can determine an appropriate augmentation to the image feed that is germane to the context and/or environment of what is being displayed in the image feed. The augmentation can be displayed to the user on a display of the user device. The augmentation can also include a prompt instructing the user how to interact with the augmentation. The host server can determine whether to grant the user access based on the user's interaction with the augmentation.

Abstract: A method includes determining a match score indicative of similarities between (1) signal information associated with a current route being traveled by a user in connection with a transaction with a merchant and (2) signal information associated with an established route traveled by the user in connection with a previous transaction between the user and the merchant, wherein the signal information comprises signal signatures that identify one or more signal emitters identified along each route. The method also includes determining whether the current route matches the established route based on whether the match score is above a threshold. The method further includes if the match score is below the threshold, transmitting a message indicating that the user was not authenticated.

Abstract: A device unlock pattern (“pattern password”) is static in that the same pattern is entered each time to unlock a device. Due to this repetition, a pattern password may be discovered by an application that captures touchscreen gestures, by inspection of fingerprints or smudges on a screen, or simply by an onlooker that views the pattern password being entered. A variable hint pattern can be used to impede discovery. A hint pattern is a sub-pattern (“hint”) of the pattern password to be completed for device unlock. A variable hint pattern can impede discovery by changing the sub-pattern at a defined change threshold related to unlock attempts. The device can randomly change the sub-pattern or randomly change the missing portions of the pattern password at each change threshold. As a result, different inputs complete the pattern password. This variance stymies the methods typically used to discover pattern passwords.

Abstract: A method includes determining a number of matching signal signatures within (1) ambient signal information for an order location and (2) ambient signal information for a delivery location, wherein the ambient signal information comprises signal signatures that identify a plurality of signal emitters at each location. The method also includes determining whether the delivery location matches the order location based on the number of matching signal signatures. The method further includes transmitting a message to a delivery operator indicating whether the delivery location matches the order location.

Abstract: Techniques are disclosed relating to authenticating a user via a lock screen. In one embodiment, a computer device presents a two-dimensional matrix of elements on a display of the computing device and detects a continuous gesture performed by a user on the display over the two-dimensional matrix of elements. In some embodiments, the gesture includes a first portion selecting a first set of the elements and a second portion selecting a second set of the elements. In response to detecting the continuous gesture, the computer device authenticates the user based on the selected first set of elements and initiates performance of an action based on the second set of elements such as execution of a particular application, opening a particular file, opening a particular menu of an application, etc.

Abstract: Techniques are disclosed relating to tokenized account information with integrated authentication. In some embodiments, a shared secret key is used for tokenization and authentication. In some embodiments, a payment device stores an encrypted version of the secret key and decrypts the secret key based on a user-provided password. In some embodiments, the payment device uses the secret key and a moving factor to generate a limited-use password. In some embodiments, the payment device uses the limited-use password to modify a first identifier of an account of the user. In some embodiments, the authentication system retrieves a stored version of the secret key and a copy of the account number using a second identifier. In some embodiments, the authentication system generates the limited-use password based on the stored secret key and a moving factor, de-tokenizes the modified first identifier, and compares the result with the retrieved copy of the account number.

Abstract: A device unlock pattern (“pattern password”) is static in that the same pattern is entered each time to unlock a device. Due to this repetition, a pattern password may be discovered by an application that captures touchscreen gestures, by inspection of fingerprints or smudges on a screen, or simply by an onlooker that views the pattern password being entered. A variable hint pattern can be used to impede discovery. A hint pattern is a sub-pattern (“hint”) of the pattern password to be completed for device unlock. A variable hint pattern can impede discovery by changing the sub-pattern at a defined change threshold related to unlock attempts. The device can randomly change the sub-pattern or randomly change the missing portions of the pattern password at each change threshold. As a result, different inputs complete the pattern password. This variance stymies the methods typically used to discover pattern passwords.