| CPC G06Q 20/4014 (2013.01) [G06F 21/31 (2013.01); G06Q 20/388 (2013.01); G06F 2221/2103 (2013.01)] | 15 Claims |
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1. A computing platform, comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
a memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
receive, from a merchant point-of-sale system, a request to process a transaction, wherein the request to process the transaction is based on detection, by the merchant point-of-sale system, of a wearable device of a user within a predetermined distance of the merchant point-of-sale system;
responsive to receiving the request to process the transaction, establish a connection with one or more user devices, wherein the one or more user devices include the wearable device of the user;
receive, in real-time, data from the one or more user devices via the connection established with the one or more user devices, wherein the data includes movement data of the user captured by the wearable device of the user within a previous twenty four hour period and wherein receiving the data causes the computing platform to overwrite data previously received from the one or more user devices;
analyze, in real-time, the data from the one or more user devices to identify at least one user data point, wherein analyzing the data includes categorizing the data as movement data and identifying the at least one user data point to provide a basis for authentication questions, wherein the at least one user data point includes one of: a duration or distance associated with the movement data captured by the wearable device;
dynamically generate, in real-time, at least one authentication question based on the identified at least one user data point, wherein the at least one user data point constitutes a correct response to the at least one authentication question;
transmit the dynamically generated at least one authentication question to the merchant point-of-sale system, wherein transmitting the dynamically generated at least one authentication question to the merchant point-of-sale system causes merchant point-of-sale system to display the at least one authentication question;
responsive to receiving, from the merchant point-of-sale system, user response data responsive to the dynamically generated at least one authentication question within a predetermined time period:
compare the user response data to the at least one user data point;
responsive to determining that the user response data matches the at least one user data point, authenticate the user and authorizing processing of the transaction;
responsive to determining that the user response data does not match the at least one user data point, generate a request for additional authentication data; and
responsive to not receiving user response data responsive to the dynamically generated at least one authentication question within the predetermined time period, delete the identified at least one user data point on which the dynamically generated at least one authentication question is based.
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