Systems and methods for using an internet of things device presence to authenticate a cardholder for a financial transaction
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United States of America Patent
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May 25, 2021
Grant Date -
Feb 2, 2017
app pub date -
Jul 30, 2015
filing date -
Jul 30, 2015
priority date (Note) -
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status (Latency Note)
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Abstract
Examples of the disclosure enable a user to be authenticated and/or a financial transaction to be authorized. In some examples, one or more identifiers associated with one or more detected devices in an area proximate to the detection device are received. It is determined whether at least one identifier of the one or more identifiers corresponds with one or more target identifiers, and whether a device presence of at least one device associated with the at least one identifier satisfies a predetermined threshold. The user is authenticated upon determining that the device presence satisfies the predetermined threshold. Aspects of the disclosure provide for a processing system to authenticate a user and/or authorize a financial transaction in an environment including a plurality of devices.
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