Bank of America Corporation
Systems and methods for pre-authenticating a user on a mobile device

Abstract:

A method for pre-authenticating a user on the user's mobile device is provided. The method may be implemented on the device. The method may include tracking commonly accessed applications over a pre-determined amount of time. The method may include tracking and storing on the mobile device, application data associated with each commonly accessed application. When a determined current time of day is a pre-determined amount of time prior to the tracked start time of access to a one or more commonly accessed applications, the method may include capturing, autonomously, via each of a plurality of sensors, an attribute associated with the user. The method may further include comparing a value of the attribute captured to a historically stored attribute value. The method may further include verifying and pre-authenticating the user based on the comparing. The method may also include pre-loading the user's mobile device with the commonly accessed application.