Patent ID: 11954188
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. An automated teller machine comprising:
a sensor;
a network interface; and
a processor configured to:
receive, during a transaction at the automated teller machine, user data from the sensor configured to monitor user movement information during the transaction, wherein the transaction comprises a plurality of levels;
receive, via the network interface, user data from a mobile device;
receive, via the network interface, user heart rate data during the transaction;
apply a weight to one or more parameters of the user data from the mobile device;
apply a weight to the user movement information;
determine a risk of a fraudulent transaction based on a comparison of the weighted user movement information from the sensor, the weighted user data from the mobile device, and the user heart rate data to expected parameters;
determine that the risk of the fraudulent transaction is below a threshold; and
allow access to a first level of the plurality of levels to access a secure resource at the automated teller machine based on the risk of the fraudulent transaction being below the threshold, and wherein the processor is configured to perform a new comparison of the one or more parameters of the weighted user data from the mobile device to expected parameters prior to granting access to each level of the plurality of levels of the transaction.