| CPC H04L 63/08 (2013.01) [H04L 63/10 (2013.01); H04W 4/021 (2013.01); H04W 4/029 (2018.02); H04W 4/80 (2018.02); H04W 12/06 (2013.01); H04W 12/08 (2013.01); H04W 12/61 (2021.01); H04W 12/63 (2021.01); H04W 12/73 (2021.01)] | 16 Claims |
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1. A computer server comprising:
a processing unit including one or more processors;
a computer-readable memory storing thereon instructions that are executable by the processing unit to cause the computer server to perform operations comprising:
requesting, for a mobile device and in response to determining that an age of existing location data for the mobile device exceeds a location recency threshold, location data from the mobile device;
receiving a request from the mobile device to access one or more network resources or services provided by receiving the request from a mobile application installed on the mobile device;
providing recommendations or suggestions to a user of the mobile device that a set of locations be designated as predefined secure locations; and
receiving one or more predefined secure location definitions based on the set of locations;
comparing the location data to the one or more predefined secure location definitions associated with the mobile device, the comparing comprising:
comparing a set of geographic coordinates of the mobile device to a set of boundaries of a predefined geofence associated with the mobile device, wherein the set of boundaries of the predefined geofence are definable as an updated secure location via user input that indicates that the predefined geofence is secure within a first distance from the set of geographic coordinates of the mobile device; and
comparing the location data to the one or more predefined secure location definitions by comparing an identifier of a wireless access point to a predefined list of secure wireless access points associated with the mobile device;
accessing a financial services server to facilitate one or more authentication processes for providing the mobile device with access to the one or more network resources or services;
in response to receiving a request from the mobile device to access the one or more network resources or services:
determining, using a result of comparing the location data and the one or more predefined secure location definitions associated with the mobile device, the one or more authentication processes from among a plurality of authentication processes for providing the mobile device with access to the network resources or services;
executing a first authentication process of the one or more authentication processes for providing the mobile device with access to the network resources or services;
executing, based on matching the location data to at least one predefined location definition associated with the mobile device, a second authentication process of the one or more authentication processes, and successfully authenticate the mobile device, prior to providing access to requested network resources or services;
executing, based on not matching the location data to at least one predefined location definition associated with the mobile device, a third authentication process of the one or more authentication processes that is different than the first authentication process and the second authentication process;
allowing, based on matching the location data to at least one predefined location definitions associated with the mobile device, the mobile device to access the requested network resources or services and avoiding additional authentication processes for the mobile device; and
in response to successfully authenticating the mobile device, providing the mobile device with access to the requested network resources or services.
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