Dynamic authentication through user information and intent
There are provided systems and methods for dynamic authentication through user information and intent. A user may wish to purchase an item that they view on a merchant marketplace using a computer of mobile phone. The merchant for the merchant marketplace may register the user's intent to purchase the item by receiving the user's actions while browsing the marketplace. The user may further provide user information with the merchant, such as a biometric reading, identifier, or other information. When the user then arrives at a merchant location to purchase the item and complete a transaction using a payment instrument, the merchant may process the user's intent and information to determine how confident the merchant is that the user is entitled to utilize the payment method. Such confidence rating may correspond to whether the merchant believes the transaction is fraudulent or if the user is misrepresenting their identity.
1. A system, comprising:
one or more processors, one or more computer-readable memories, with program instructions stored on the one or more computer-readable memories, the one or more processors configured to execute the program instructions to cause the system to perform operations comprising:
monitoring, via a network, an online interaction by a user via a user device with an online marketplace, wherein the monitored online interaction includes a first interaction by the user with an item being sold on the online marketplace;
determining user information corresponding to the user;
determining a confidence rating corresponding to the user based on the monitored online interaction and the user information;
determining that the monitored online interaction includes a creation of an electronic reservation to pick up the item at a physical merchant location;
tracking a location of the user device;
determining the location of the user device corresponds to the physical merchant location when a purchase request is received at the physical merchant location;
determining that the confidence rating exceeds a threshold rating based on the determining the location; and
determining a type of authentication required to be performed at a checkout for the user based on the determined confidence rating.
2. The system of claim 1 , wherein the user information includes location information.
3. The system of claim 1 , wherein the user information includes identification information, and wherein the identification information includes biometric information.
4. The system of claim 1 , wherein the monitored online interaction further includes a selection of the item on an interface of the online marketplace or an addition of the item to a digital shopping cart.
5. The system of claim 4 , the operations further comprising determining that the user intends to purchase the item based on the monitored online interaction.
6. The system of claim 1 , wherein the determining the type of authentication comprises determining that an authentication is not required to be performed at the checkout based on the determined confidence rating exceeding the threshold rating.
7. The system of claim 1 , the operations further comprising:
accessing an account of the user; and
determining that the online interaction occurred at a past location of the user that was previously associated with the account,
wherein the confidence rating is further associated with the determining that the online interaction occurred at a known location of the user.
8. A method comprising:
monitoring, via a network, an online interaction by a user via a user device with an online marketplace, wherein the monitored online interaction includes a first interaction by the user with an item being sold on the online marketplace;
determining user information corresponding to the user; determining a confidence rating corresponding to the user based on the monitored online interaction and the user information;
determining that the monitored online interaction includes a creation of an electronic reservation to pick up the item at a physical merchant location;
tracking a location of the user device; determining that the location of the user device corresponds to the physical merchant location when a purchase request is received at the physical merchant location;
determining that the confidence rating exceeds a threshold rating based on the determined location; and
determining a type of authentication required to be performed at a checkout for the user based on the determined confidence rating.
9. The method of claim 8 , wherein the user information includes location information.
10. The method of claim 8 , wherein the user information includes identification information, and wherein the identification information includes biometric information.
11. The method of claim 8 , wherein the monitored online interaction further includes a selection of the item on an interface of the online marketplace or an addition of the item to a digital shopping cart.
12. The method of claim 11 , further comprising determining that the user intends to purchase the item based on the monitored online interaction.
13. The method of claim 8 , wherein the determining the type of authentication comprises determining that an authentication is not required to be performed at checkout based on the determined confidence rating exceeding the threshold rating.
14. The method of claim 8 , further comprising:
accessing an account of the user based on the monitoring; and
determining that the online interaction occurred at a past location of the user that was previously associated with the account,
wherein the confidence rating is further associated with the determining that the online interaction occurred at a known location of the user.
15. A computer program product comprising:
one or more computer-readable tangible storage devices, and program instructions stored on at least one of the one or more computer-readable tangible storage devices, the program instructions when executed cause a machine to perform operations comprising:
monitoring, via a network, an online interaction by a user via a user device with an online marketplace, wherein the monitored online interaction includes a first interaction by the user with an item being sold on the online marketplace; determining user information corresponding to the user; determining a confidence rating corresponding to the user based on the monitored online interaction and the user information;
determining that the monitored online interaction includes a creation of an electronic reservation to pick up the item at a physical merchant location;
tracking a location of the user device;
determining that the location of the user device corresponds to the physical merchant location when a purchase request is received at the physical merchant location;
determining that the confidence rating exceeds a threshold rating based on the determined location; and
determining a type of authentication required to be performed at a checkout for the user based on the determined confidence rating.
16. The computer program product of claim 15 , wherein the user information includes identification information, and wherein the identification information includes biometric information.
17. The computer program product of claim 15 , wherein the monitored online interaction further includes a selection of the item on an interface of the online marketplace or an addition of the item to a digital shopping cart.
18. The computer program product of claim 17 , the operations further comprising determining that the user intends to purchase the item based on the monitored online interaction.
19. The computer program product of claim 15 , wherein the determining the type of authentication comprises determining that an authentication is not required to be performed at the checkout based on the determined confidence rating exceeding the threshold rating.
20. The computer program product of claim 15 , the operations further comprising:
accessing an account of the user based on the monitoring; and
determining that the online interaction occurred at a past location of the user that was previously associated with the account,
wherein the confidence rating is further associated with the determining that the online interaction occurred at a known location of the user.