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Authenticating a customer to a risk level using an authorization token

Abstract:

Disclosed herein are system, method, and computer program product embodiments for authenticating a mobile user via an authentication method determined based on a token level associated with the action being completed. An authentication token is created corresponding to the token level and the authentication token is sent to the mobile device. This authentication token may be used to authenticate subsequent actions and engage various services to complete the actions using application programming interfaces. The authentication token stored on the mobile device obviates the need for a user to authenticate multiple times to complete actions requiring a similar token level. The system may authenticate the identity of the mobile user using various authentication methods.