Bank of America Corporation
Signals-based authentication

Abstract:

Arrangements for automatically authenticating a user based on a signals-based footprint of the user are provided. In some examples, an authentication device may continuously scan a predefined area surrounding the authentication device. Upon detecting a user device, a determination may be made as to whether the device is detected for at least a threshold amount of time. If so, user data may be requested. In some examples, the user data may be requested from, for example, a mobile device of a user and may include biometric signature data, such as heart rate, respiratory rate, and the like. User response data may be received and compared to pre-stored data and, if the user response data meets or exceeds a threshold confidence level, the user may be automatically authenticated. If not, additional user authentication information, such as a username and password, personal identification number (PIN), or the like, may be requested to authenticate the user.