Computer-based systems and/or computing devices programmed for role-based authentication during customer service sessions; and methods of use thereof
A computer-implemented method includes detecting a communication session established between a first computing device of a first user and a second computing device of a second user; generating session identification information for the communication session; detecting a triggering condition during the communication session to verify an identity of the first user; causing the second computing device to instruct the first user to interact a smart transaction card with the first computing device such that a one-time data item is transmitted from the smart transaction card to an application executing on the first computing device, the one-time data item dynamically generated by the smart transaction card, where the first user is authenticated via the application based at least in part on the level of authentication and the one-time data item; generating a verification token for the communication session, the authentication result stored in association with the session information.
1. A computer-implemented method comprising:
detecting, by one or more processors, a communication session established between a first computing device of a first user and a second computing device of a second user, the communication session initiated by the first user,
wherein the second user is associated with an entity;
generating, by the one or more processors, session identification information for the communication session, the session identification information including at least a session identifier (ID);
detecting, by the one or more processors, a triggering condition during the communication session to verify an identity of the first user;
assessing, by the one or more processors, a risk metric associated with the triggering condition to determine a level of authentication for verifying the identity of the first user;
associating, by the one or more processors, the level of authentication with the session information;
causing, by the one or more processors, the second computing device to instruct the first user to interact a smart card with the first computing device such that a one-time data item is transmitted from the smart card to an application executing on the first computing device, the one-time data item dynamically generated by the smart card, wherein the first user is authenticated via the application based at least in part on the level of authentication and the one-time data item;
receiving, by the one or more processors, an indication when the first user is successfully authenticated;
generating, by the one or more processors, a verification token for the communication session, the verification token stored in association with the session information; and
transmitting, by the one or more processors, the verification token to both the first computing device and the second computing device;
wherein the session identification information comprises at least one session interaction protocol certificate.
2. The method of claim 1 , wherein the one-time data item comprises a uniform resource locator (URL).
3. The computer-implemented method of claim 1 , wherein the triggering condition comprises at least one of the following:
a duration of the communication session exceeding a predetermined threshold of duration; and
the identity of the second user matches a data point associated with a known suspicious session identification information within a pre-generated database of known suspicious session identification information.
4. The computer-implemented method of claim 1 , wherein the risk metric comprises a value from one to five, wherein a risk metric of one is a low level of risk and a risk metric of five is a high level of risk.
5. The computer-implemented method of claim 1 , wherein the smart card is a contactless smart card comprising Near-field communication (NFC) capabilities, wherein the smart card is configured to interact with an NFC device of the second computing device.
6. The computer-implemented method of claim 5 , wherein when the smart card is within data communication range of the NFC device, the smart card is configured to synchronize a value of a counter stored therein with a counter stored in the second computing device.
7. The computer-implemented method of claim 1 , further comprising generating, by the one or more processors, a one-time authentication request.
8. The computer-implemented method of claim 7 , wherein the one-time authentication request comprises a one-time data token comprising a push notification.
9. The computer-implemented method of claim 1 , wherein the verification token is a Personal Identification Number (PIN).
10. A computer-implemented method comprising:
detecting, by one or more processors, a communication session established between a first computing device of a first user and a second computing device of a second user, the communication session initiated by the first user,
wherein the first user is associated with an entity;
generating, by the one or more processors, session identification information for the communication session, the session identification information including at least a session identifier (ID);
detecting, by the one or more processors, a triggering condition during the communication session to verify an identity of the first user;
causing, by the one or more processors, the first computing device to instruct the first user to interact a smart transaction card with the first computing device such that a one-time data item is transmitted from the smart card to an application executing on the first computing device, the one-time data item dynamically generated by the smart card, wherein the first user is authenticated via the application based at least in part on the one-time data item;
receiving, by the one or more processors, an indication when the first user is successfully authenticated;
generating, by the one or more processors, a verification token for the communication session, the verification token stored in association with the session information; and
transmitting, by the one or more processors, the verification token to both the first computing device and the second computing device;
wherein the session identification information comprises at least one session interaction protocol certificate.
11. The computer-implemented method of claim 1 , wherein the one-time data item comprises a uniform resource locator (URL).
12. The computer-implemented method of claim 10 , wherein the triggering condition comprises at least one of the following:
a duration of the communication session exceeding a predetermined threshold of duration; and
the identity of the second user matches a data point associated with a known suspicious session identification information within a pre-generated database of known suspicious session identification information.
13. The computer-implemented method of claim 10 , wherein the smart card is a contactless smart card comprising Near-field communication (NFC) capabilities, wherein the smart card is configured to interact with an NFC device of the second computing device.
14. The computer-implemented method of claim 13 , wherein when the smart card is within data communication range of the NFC device, the smart card is configured to synchronize a value of a counter stored therein with a counter stored in the first computing device.
15. The computer-implemented method of claim 10 , further comprising generating, by the one or more processors, a one-time authentication request.
16. The computer-implemented method of claim 15 , wherein the one-time authentication request comprises a one-time data token comprising a push notification.
17. A system, comprising:
a non-transient computer memory, storing software instructions;
at least one processor of a computing device associated with a user;
wherein, when the at least one processor executes the software instructions, the first computing device is programmed to:
detect a communication session established between a first computing device of a first user and a second computing device of a second user, the communication session initiated by the second user, the first user associated with an entity;
generate session identification information for the communication session, the session identification information including at least a session identifier (ID);
detect a triggering condition during the communication session to verify an identity of the first user;
cause the first computing device to instruct the first user to interact a smart card with the first computing device such that a one-time data item is transmitted from the smart card to an application executing on the first computing device, the one-time data item dynamically generated by the smart card, wherein the first user is authenticated via the application based at least in part on the one-time data item;
receive an indication when the first user is successfully authenticated;
generate a verification token for the communication session, the verification token stored in association with the session information; and
transmit the verification token to both the first computing device and the second computing device;
wherein the session identification information comprises at least one session interaction protocol certificate.
18. The system of claim 17 , wherein the smart card is a contactless smart card comprising Near-field communication (NFC) capabilities, wherein the smart card is configured to interact with an NFC device of the first computing device.