Restricted access to online banking
Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device.
1. A system for restricting access to a customer's online banking account, comprising:
a computer apparatus including a processor and a memory; and
an online banking module stored in the memory, executable by the processor and configured for:
receiving an association request from the customer to associate a first mobile device with the customer's online banking account, the association request comprising device identification information of the first mobile device and first account identification information associated with the customer's online banking account;
associating the device identification information of the first mobile device with the customer's online banking account and creating an association record based on the device identification information of the first mobile device and the first account identification information associated with the customer's online banking account;
determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account;
searching a database of records to determine if the first online banking transaction is within a first restricted transaction definition;
receiving device identification information of the computing device and searching a database of records to determine if the computing device is associated with the customer's online banking account;
receiving geographic location information associated with the computing device, the geographic location information associated with the computing device comprising information related to a local area network connected to the computing device;
receiving geographic location information associated with the first mobile device, the geographic location information associated with the first mobile device comprising information related to a local area network connected to the first mobile device;
based on determining that the first online banking transaction is within a first restricted transaction definition and that the computing device is not associated with the customer's online banking account, determining whether the local area network connected to the computing device is a predefined local area network and whether the local area network connected to the computing device and the local area network connected to the first mobile device are the same local area network; and
based on determining whether the local area network connected to the computing device is a predefined local area network and whether the local area network connected to the computing device and the local area network connected to the first mobile device are the same local area network, transmitting a command to the computing device, wherein the command causes the computing device to automatically log out of an active online banking session.
2. The system according to claim 1 , wherein the online banking module is configured for transmitting the command to the computing device based on determining (i) that the local area network connected to the computing device is not the predefined local area network and (ii) that the local area network connected to the computing device and the local area network connected to the first mobile device are not the same local area network.
3. The system according to claim 1 , wherein the online banking module is configured for:
receiving the first restricted transaction definition from the first mobile device;
receiving subsequent device identification information from the first mobile device;
searching the database of records to determine, based on the subsequent device identification information received from the first mobile device and the device identification information of the first mobile device associated with the customer's online banking account, if the first mobile device is associated with the customer's online banking account;
authenticating the customer based on determining that the first mobile device is associated with the customer's online banking account based on the subsequent device identification information received from the first mobile device;
creating a first restricted transaction record based on authenticating the customer, the first restricted transaction record comprising the first restricted transaction definition.
4. A computer program product for restricting access to a customer's online banking account, comprising a non-transitory computer-readable storage medium having computer-executable instructions for:
receiving an association request from the customer to associate a first mobile device with the customer's online banking account, the association request comprising device identification information of the first mobile device and first account identification information associated with the customer's online banking account;
associating the device identification information of the first mobile device with the customer's online banking account and creating an association record based on the device identification information of the first mobile device and the first account identification information associated with the customer's online banking account;
determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account;
searching a database of records to determine if the first online banking transaction is within a first restricted transaction definition;
receiving device identification information of the computing device and searching a database of records to determine if the computing device is associated with the customer's online banking account;
receiving geographic location information associated with the computing device, the geographic location information associated with the computing device comprising information related to a local area network connected to the computing device;
receiving geographic location information associated with the first mobile device, the geographic location information associated with the first mobile device comprising information related to a local area network connected to the first mobile device;
based on determining that the first online banking transaction is within a first restricted transaction definition and that the computing device is not associated with the customer's online banking account, determining whether the local area network connected to the computing device is a predefined local area network and whether the local area network connected to the computing device and the local area network connected to the first mobile device are the same local area network; and
based on determining whether the local area network connected to the computing device is a predefined local area network and whether the local area network connected to the computing device and the local area network connected to the first mobile device are the same local area network, transmitting a command to the computing device, wherein the command causes the computing device to automatically log out of an active online banking session.
5. The computer program product according to claim 4 , wherein the non-transitory computer-readable storage medium has computer-executable instructions for transmitting the command to the computing device based on determining (i) that the local area network connected to the computing device is not the predefined local area network and (ii) that the local area network connected to the computing device and the local area network connected to the first mobile device are not the same local area network.
6. The computer program product according to claim 4 , wherein the non-transitory computer-readable storage medium has computer-executable instructions for:
receiving the first restricted transaction definition from the first mobile device;
receiving subsequent device identification information from the first mobile device;
searching the database of records to determine, based on the subsequent device identification information received from the first mobile device and the device identification information of the first mobile device associated with the customer's online banking account, if the first mobile device is associated with the customer's online banking account;
authenticating the customer based on determining that the first mobile device is associated with the customer's online banking account based on the subsequent device identification information received from the first mobile device;
creating a first restricted transaction record based on authenticating the customer, the first restricted transaction record comprising the first restricted transaction definition.
7. A method for restricting access to a customer's online banking account, comprising:
receiving, with a computer processor, an association request from the customer to associate a first mobile device with the customer's online banking account, the association request comprising device identification information of the first mobile device and first account identification information associated with the customer's online banking account;
associating, with a computer processor, the device identification information of the first mobile device with the customer's online banking account and creating an association record based on the device identification information of the first mobile device and the first account identification information associated with the customer's online banking account;
determining, with a computer processor, that a computing device has initiated a first online banking transaction associated with the customer's online banking account;
searching, with a computer processor, a database of records to determine if the first online banking transaction is within a first restricted transaction definition;
receiving, with a computer processor, device identification information of the computing device and searching a database of records to determine if the computing device is associated with the customer's online banking account;
receiving, with a computer processor, geographic location information associated with the computing device, the geographic location information associated with the computing device comprising information related to a local area network connected to the computing device;
receiving, with a computer processor, geographic location information associated with the first mobile device, the geographic location information associated with the first mobile device comprising information related to a local area network connected to the first mobile device;
based on determining that the first online banking transaction is within a first restricted transaction definition and that the computing device is not associated with the customer's online banking account, determining, with a computer processor, whether the local area network connected to the computing device is a predefined local area network and whether the local area network connected to the computing device and the local area network connected to the first mobile device are the same local area network; and
based on determining whether the local area network connected to the computing device is a predefined local area network and whether the local area network connected to the computing device and the local area network connected to the first mobile device are the same local area network, transmitting a command to the computing device, wherein the command causes the computing device to automatically log out of an active online banking session.
8. The method according to claim 7 , comprising transmitting the command to the computing device based on determining (i) that the local area network connected to the computing device is not the predefined local area network and (ii) that the local area network connected to the computing device and the local area network connected to the first mobile device are not the same local area network.
9. The method according to claim 7 , comprising:
receiving the first restricted transaction definition from the first mobile device;
receiving subsequent device identification information from the first mobile device;
searching the database of records to determine, based on the subsequent device identification information received from the first mobile device and the device identification information of the first mobile device associated with the customer's online banking account, if the first mobile device is associated with the customer's online banking account;
authenticating the customer based on determining that the first mobile device is associated with the customer's online banking account based on the subsequent device identification information received from the first mobile device;
creating a first restricted transaction record based on authenticating the customer, the first restricted transaction record comprising the first restricted transaction definition.