SYSTEMS AND METHODS FOR LOCATION-RESTRICTING ONE-TIME PASSCODES

1 . A computer-implemented method for location-restricting one-time passcodes, at least a portion of the method being performed by a computing device comprising at least one processor, the method comprising:

receiving, from a client, an authentication request for a user account;

receiving, in association with the authentication request, a one-time passcode that incorporates an originating location for the authentication request;

obtaining a location identifier indicating the location of the client;

determining that the location identifier indicates a location equivalent to the originating location;

determining, at least in part in response to determining that the location identifier indicates a location equivalent to the originating location, to authenticate the client to the user account.

2 . The computer-implemented method of claim 1 , further comprising requesting a device associated with the user account to generate the one-time passcode.

3 . The computer-implemented method of claim 2 , wherein the one-time passcode is received from the associated device.

4 . The computer-implemented method of claim 2 , wherein the one-time passcode is received from the client.

5 . The computer-implemented method of claim 2 , wherein receiving the one-time passcode comprises:

providing the location identifier to a communication service provider capable of identifying a location for the associated device;

requesting the communication service provider to provide the one-time passcode when the location identifier indicates a location equivalent to that of the associated device.

6 . The computer-implemented method of claim 1 , wherein determining that the location identifier indicates a location equivalent to the originating location comprises determining that the location identifier indicates a location within a threshold distance of the originating location.

7 . The computer-implemented method of claim 6 , wherein the threshold distance is based at least in part on a technique used to obtain at least one of the location identifier and the originating location.

8 . The computer-implemented method of claim 1 , wherein the one-time passcode comprises a timestamp.

9 . A system for location restricting one-time passcodes, the system comprising:

a communication module, stored in memory, that receives, from a client, an authentication request for a user account;

an origination module, stored in memory, that receives, in association with the authentication request, a one-time passcode that incorporates an originating location for the authentication request;

a location module, stored in memory, that obtains a location identifier indicating the location of the client;

a comparison module, stored in memory, that determines that the location identifier indicates a location equivalent to the originating location;

an authentication module, stored in memory, that determines, at least in part in response to determining that the location identifier indicates a location equivalent to the originating location, to authenticate the client to the user account;

at least one physical processor configured to execute the communication module, the origination module, the location module, the comparison module, and the authentication module.

10 . The system of claim 9 , wherein the origination module requests a device associated with the user account to generate the one-time passcode.

11 . The system of claim 10 , wherein the origination module receives the one-time passcode from the associated device.

12 . The system of claim 10 , wherein the origination module receives one-time passcode from the client.

13 . The system of claim 10 , wherein the origination module receives the one-time passcode by:

providing the location identifier to a communication service provider capable of identifying a location for the associated device;

requesting the communication service provider to provide the one-time passcode when the location identifier indicates a location equivalent to that of the associated device.

14 . The system of claim 9 , wherein the comparison module determines that the location identifier indicates a location equivalent to the originating location by determining that the location identifier indicates a location within a threshold distance of the originating location.

15 . The system of claim 14 , wherein the threshold distance is based at least in part on a technique used to obtain at least one of the location identifier and the originating location.

16 . The system of claim 9 , wherein the one-time passcode comprises a timestamp.

17 . A non-transitory computer-readable medium comprising one or more computer-readable instructions that, when executed by at least one processor of a computing device, cause the computing device to:

receive, from a client, an authentication request for a user account;

receive, in association with the authentication request, a one-time passcode that incorporates an originating location for the authentication request;

obtain a location identifier indicating the location of the client;

determine that the location identifier indicates a location equivalent to the originating location;

determine, at least in part in response to determining that the location identifier indicates a location equivalent to the originating location, to authenticate the client to the user account.

18 . The non-transitory computer-readable medium of claim 17 , wherein the one or more computer-readable instructions cause the computing device to request a device associated with the user account to generate the one-time passcode.

19 . The non-transitory computer-readable medium of claim 18 , wherein the one or more computer-readable instructions cause the computing device to receive the one-time passcode from the associated device.

20 . The non-transitory computer-readable medium of claim 18 , wherein the one or more computer-readable instructions cause the computing device to receive the one-time passcode from the client.