Advanced authentication techniques and applications

1. A method comprising:

receiving, at a client device, a request from a user of the client device to perform a particular transaction with a local transaction device;

performing, via client risk assessment logic of the client device, an assessment of client device configuration data to determine a risk level associated with the client device;

identifying, via an adaptive authentication policy module, a transaction class for the particular transaction based on variables associated with the particular transaction;

determining, via an assurance level calculation module of the client device, a required assurance level based on the risk level and the transaction class;

receiving, via one or more user authentication devices of the client device or otherwise coupled thereto, biometric input from a user on the client device and comparing the received biometric input with user biometric reference data previously received and stored at the client device to generate a similarity score;

presenting, via a display of the client device or otherwise coupled thereto, one or more screen layouts to the user;

capturing, via one or more cameras of the client device or otherwise coupled thereto, a sequence of images which include the user's eyes as the one or more screen layouts are displayed;

performing, via an eye tracking module of the client device, eye movement detection across the sequence of images to identify a first correlation between motion of the user's eyes as the one or more screen layouts are presented and an expected motion of the user's eyes as the one or more screen layouts are presented;

generating, via the assurance level calculation module of the client device, a current assurance level by combining the similarity score with a first score associated with the first correlation;

comparing, via the assurance level calculation module of the client device, the current assurance level with the required assurance level to generate an authentication result;

transmitting, via secure communication logic of the client device, the authentication result, but not data related to the biometric input, from the client device to a remote secure transaction service;

and

the remote secure transaction service transmitting a signal to the local transaction device to perform one or more operations of the particular transaction if the authentication result is sufficient to complete the particular transaction.

2. The method as in claim 1 further comprising:

establishing a local communication channel between the client device and the local transaction device; and

utilizing the local communication channel for one of the one or more authentication transactions.

3. The method as in claim 2 wherein the local communication channel comprises a near field communication (NFC) channel, a Bluetooth communication channel, a Wifi communication channel, or any combination thereof.

4. The method as in claim 2 wherein the client device receives first authentication data from the remote secure transaction service and passes the authentication data to the local transaction device over the local communication channel.

5. The method as in claim 4 wherein the first authentication data comprises a code transmitted to the local transaction device over the local communication channel.

6. The method as in claim 1 wherein the local transaction device comprises an automatic teller machine (ATM) and wherein the one or more operations includes dispensing a user-specified amount of cash.

7. The method as in claim 1 wherein the biometric data comprises fingerprint data, facial image data, voice data, or any combination thereof.

8. The method of claim 1 , further comprises determining an assurance level that the user of the client device is a legitimate user for the transaction, wherein the assurance level is used to generate the current assurance level.

9. The method as in claim 8 wherein the assurance level is determined based, at least in part, on results of one or more non-intrusive authentication techniques in which the user is not required to enter biometric or other user data.

10. The method as in claim 9 wherein the one or more non-intrusive authentication techniques include determining a period of time since a last explicit user authentication.

11. The method as in claim 9 wherein the one or more non-intrusive authentication techniques include collecting and analyzing sensor data from one or more sensors on the client device.

12. The method as in claim 11 wherein at least one of the sensors comprises a location sensor indicating a current location of the client device.

13. The method as in claim 2 wherein a presence of the local communication channel between the client device and the local transaction device is used by the remote secure transaction service to determine a current location of the client device.