USER AUTHENTICATION BY A WEARABLE DEVICE

1 . A method at a wearable device, comprising:

collecting physiological data from a user;

scaling the collected physiological data to compensate for an impact of one or more biological rhythms on the collected physiological data, wherein the impact is relative to a period of time associated with a physiological profile;

normalizing the scaled physiological data based at least in part on one or more differences between the scaled physiological data and the physiological profile in accordance with an activity being performed by the user, a condition associated with the user, or both;

determining an identity of the user based at least in part on the normalized physiological data matching the physiological profile; and

authenticating the user for an action by the wearable device based at least in part on the normalized physiological data matching the physiological profile associated with the identity.

2 . The method of claim 1 , further comprising:

determining the physiological profile associated with the identity of the user over the period of time.

3 . The method of claim 1 , further comprising:

determining, by the wearable device, that the user is wearing the wearable device on a finger of the user based at least in part on a disruption of light detected by a photodetector, wherein collecting the physiological data is based at least in part on the user wearing the wearable device.

4 . The method of claim 3 , further comprising:

determining that the wearable device has remained on the finger of the user since authenticating the user, wherein the action is initiated based at least in part on determining that the wearable device has remained on the finger of the user since authenticating the user.

5 . The method of claim 1 , wherein the physiological profile is based at least in part on photoplethysmogram (PPG) data, heart rate, heart rate variability, blood pressure, a motion pattern associated with movement of the user, oxygen saturation of the user, an artery stiffness of the user, a body impedance of the user, an appendage size of the user, a basal body temperature of the user, one or more pulse characteristics of the user, or a combination thereof.

6 . The method of claim 5 , wherein the motion pattern comprises a predefined hand gesture performed by the user.

7 . The method of claim 5 , wherein the one or more pulse characteristics of the user comprise a systolic amplitude of a pulse of the user, a systolic width of the pulse of the user, a rise width of the pulse of the user, a pulse length to systolic amplitude ratio of the pulse of the user, a crest time of the pulse of the user, or any combination thereof.

8 . The method of claim 1 , further comprising:

determining that the wearable device is within a threshold distance from a user device associated with the identity, wherein the identity of the user is determined based at least in part on the wearable device being within the threshold distance from the user device.

9 . The method of claim 1 , further comprising:

determining that the wearable device is at an expected geographic location associated with a time of day, wherein the identity of the user is determined based at least in part on the wearable device being at the expected geographic location at the time of day.

10 . The method of claim 1 , further comprising:

collecting additional physiological data in accordance with authenticating the user.

11 . The method of claim 1 , wherein the wearable device comprises a wearable ring device.

12 . The method of claim 1 , wherein the user is authenticated for a threshold period of time, until detection of a triggering event, until the user removes the wearable device, or any combination thereof.

13 . The method of claim 1 , further comprising:

initiating the action based at least in part on authenticating the user, wherein the action comprises a payment transaction or collecting additional physiological data for the identity.

14 . The method of claim 1 , further comprising:

activating a communication component based at least in part on authenticating the user and based at least in part on a gesture made by the user or a proximity of the wearable device to the user.

15 . The method of claim 14 , further comprising:

deactivating the communication component based at least in part on a threshold duration expiring since activating the communication component, based at least in part on completing the action, based at least in part on the proximity of the wearable device to the user exceeding a threshold distance, or any combination thereof.

16 . The method of claim 14 , wherein the gesture comprises tapping the wearable device on a payment terminal, the method further comprising:

communicating payment information to the payment terminal based at least in part on activating the communication component.

17 . The method of claim 16 , further comprising:

collecting accelerometer data for the user, wherein the gesture is determined based at least in part on the accelerometer data.

18 . The method of claim 1 , further comprising:

storing the physiological profile in a memory of the wearable device, communicating the physiological profile to a user device, or both.

19 . An apparatus, comprising:

a processor;

memory coupled with the processor; and

instructions stored in the memory and executable by the processor to cause the apparatus to:

collect physiological data from a user via a wearable device;

scale the collected physiological data to compensate for an impact of one or more biological rhythms on the collected physiological data, wherein the impact is relative to a period of time associated with a physiological profile;

normalize the scaled physiological data based at least in part on one or more differences between the scaled physiological data and the physiological profile in accordance with an activity being performed by the user, a condition associated with the user, or both;

determine an identity of the user based at least in part on the normalized physiological data matching the physiological profile; and

authenticate the user for an action by the wearable device based at least in part on the normalized physiological data matching the physiological profile associated with the identity.

20 . A non-transitory computer-readable medium storing code, the code comprising instructions executable by a processor to cause a wearable device to:

collect physiological data from a user via a wearable device;

scale the collected physiological data to compensate for an impact of one or more biological rhythms on the collected physiological data, wherein the impact is relative to a period of time associated with a physiological profile;

normalize the scaled physiological data based at least in part on one or more differences between the scaled physiological data and the physiological profile in accordance with an activity being performed by the user, a condition associated with the user, or both;

determine an identity of the user based at least in part on the normalized physiological data matching the physiological profile; and

authenticate the user for an action by the wearable device based at least in part on the normalized physiological data matching the physiological profile associated with the identity.