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

Claim 8:
9. A method comprising:
receiving, during a transaction at an automated teller machine, user data from a sensor configured to monitor user movement information during the transaction, wherein the transaction comprises a plurality of levels;
receiving, via a network interface, user data from a mobile device;
receiving, via the network interface, user heart rate data during the transaction;
applying a weight to one or more parameters of the user data from the mobile device;
applying a weight to the user movement information;
determining a risk of the 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;
determining that the risk of a fraudulent transaction is below a threshold; and
allowing access to a first level of the plurality of levels to access a secure resource at the automated teller machine, and performing a new comparison of 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.