Abstract: Techniques are described for managing authentication tokens associated with a secure account maintained by a business or organization. In one example, this disclosure describes a method that includes storing interaction information associated with an account maintained by an organization, wherein the interaction information includes information about authentication tokens used during a plurality of prior authentication procedures performed for the account, receiving, over a network, a request to authenticate a user to access the account, determining, based on the stored interaction information, an authentication token to be used to authenticate the user, wherein the authentication token is different than a prior authentication token used during the plurality of prior authentication procedures performed for the account, presenting a prompt for the authentication token; and determining, based on information received in response to the prompt, whether the user is authorized to access the account.

Abstract: Techniques are described for managing authentication tokens associated with a secure account maintained by a business or organization. In one example, this disclosure describes a method that includes storing interaction information associated with an account maintained by an organization, wherein the interaction information includes information about authentication tokens used during a plurality of prior authentication procedures performed for the account, receiving, over a network, a request to authenticate a user to access the account, determining, based on the stored interaction information, an authentication token to be used to authenticate the user, wherein the authentication token is different than a prior authentication token used during the plurality of prior authentication procedures performed for the account, presenting a prompt for the authentication token; and determining, based on information received in response to the prompt, whether the user is authorized to access the account.

Abstract: This disclosure describes techniques for authenticating a person that seeks to engage in a voice call session with a call center agent, an interactive voice response system, or other system. In one example, this disclosure describes a method that includes storing information associating an authorized device with an account; receiving, over a network and from a device operated by a user, authentication credentials for the user; determining, based on the authentication credentials, that the user is authorized to access the account; receiving, over the network and from the device operated by the user, a request to engage in a voice conversation; responsive to receiving the request, accessing the phone number associated with the authorized device; and initiating a voice call session by placing a call, over the network, to the phone number associated with the authorized device.

Abstract: A system includes a server system that includes a processor and instructions stored in non-transitory machine-readable media. The instructions are configured to cause the server system to receive authentication information from a client device. The authentication information relates to a financial account of a user. The instructions are also configured to cause the server system to authenticate the user so as to associate the client device with the financial account of the user. The system also includes a financial notification circuit located on the client device. The financial notification circuit is configured to determine a location of the client device. The financial notification circuit is also configured to provide a notification on the client device alerting the client to not spend money at the location.

Abstract: This disclosure describes techniques for authenticating a person that seeks to engage in a voice call session with a call center agent, an interactive voice response system, or other system. In one example, this disclosure describes a method that includes storing information associating an authorized device with an account; receiving, over a network and from a device operated by a user, authentication credentials for the user; determining, based on the authentication credentials, that the user is authorized to access the account; receiving, over the network and from the device operated by the user, a request to engage in a voice conversation; responsive to receiving the request, accessing the phone number associated with the authorized device; and initiating a voice call session by placing a call, over the network, to the phone number associated with the authorized device.