Systems and methods for authenticating a user of a computer application, network, or device using a wirelsss device

Abstract

A method and system for authenticating a user includes providing an invocation element capable of being activated by a single user action, receiving an indication that the invocation element has been activated, obtaining a location of a wireless device associated with the user, determining whether the wireless device is associated with an authorized user, approving the user to use the application based on a predetermined location criterion, and producing an indication that the user has been authenticated.

1 .- 20 . (canceled) 
     
     
         21 . A method comprising:
 providing, by a system, an invocation element and a plurality of data fields including a first data field for a wireless device identifier and a second data field for a password on the wireless device, the invocation element being activated by a single user action on a user interface of the wireless device;   receiving an indication at the system that the invocation element has been activated;   obtaining, by the system, a location of the wireless device;   determining, by the system, whether a user of the wireless device is an authorized user;   approving, by the system, the user to use an application based upon a correlation related to at least one of the obtained wireless device location and a location of an access point, wherein the correlation comprises a determination that the wireless device and the access point are within a predetermined proximity; and   providing, by the system, an indication on the wireless device that the user has been authenticated, thereby allowing the user to use the application.   
     
     
         22 . The method of  claim 21 , further comprising:
 storing user identity data that includes a mobile directory number associated with the wireless device; and enabling single-action authentication for the application, wherein storing the user identity data and enabling single-action authentication are performed before providing the invocation element.   
     
     
         23 . The method of  claim 22 , wherein the mobile directory number is the wireless device identifier. 
     
     
         24 . The method of  claim 21 , wherein the step of providing the invocation element includes presenting an electronic form that includes the invocation element. 
     
     
         25 . The method of  claim 24 , wherein the method further includes entering a mobile directory number into the first data field before activating the invocation element. 
     
     
         26 . The method of  claim 25 , wherein during the second data field must be populated by the user the first time the form is presented to the user before the invocation element can be activated. 
     
     
         27 . The method of  claim 26 , wherein the invocation element is a button. 
     
     
         28 . The method of  claim 26 , wherein during a subsequent presentation to the user, the invocation element is capable of being activated without entry of information in the form. 
     
     
         29 . The method of claim  2 $, wherein the invocation element includes an authentication button presented on a display associated with the mobile access point and wherein the single user action includes selecting the authentication button with a user interface device associated with the mobile access point. 
     
     
         30 . The method of  claim 21 , wherein the invocation element includes a button displayed on the wireless device and wherein the single user action includes selecting the button with the wireless device. 
     
     
         31 . A system comprising:
 a processor; and   a non-transitory computer readable medium, the non-transitory computer readable medium comprising code executable by the processor to implement a method comprising:   providing an invocation element and a plurality of data fields including a first data field for a wireless device identifier and a second data field for a password on the wireless device, the invocation element being activated by a single user action on a user interface of the wireless device;   receiving an indication that the invocation element has been activated;   obtaining a location of the wireless device;   determining whether a user of the wireless device is an authorized user;   approving the user to use an application based upon a correlation related to at least one of the obtained wireless device location and a location of an access point, wherein the correlation comprises a determination that the wireless device and the access point are within a predetermined proximity; and   providing an indication on the wireless device that the user has been authenticated, thereby allowing the user to use the application.   
     
     
         32 . The system of  claim 31 , wherein the application is an online banking application. 
     
     
         33 . The system of  claim 32 , wherein the invocation element is a button. 
     
     
         34 . The system of  claim 31 , wherein the step of providing the invocation element includes presenting an electronic form that includes the invocation element. 
     
     
         35 . The system of  claim 34 , wherein the method further includes entering a mobile directory number into the first data field before activating the invocation element. 
     
     
         36 . The system of  claim 35 , wherein the second data field must be populated by the user the first time the electronic form is presented to the user before the invocation element can be activated. 
     
     
         37 . The system of  claim 36 , wherein the invocation element is a button. 
     
     
         38 . The system of  claim 36 , wherein during a subsequent presentation to the user, the invocation element is capable of being activated without entry of information in the electronic form. 
     
     
         39 . The system of  claim 31 , wherein the processor and the non-transitory computer readable medium are on a server computer, and therein the system further comprises the access point. 
     
     
         40 . The system of  claim 31 , wherein the processor and the non-transitory computer readable medium are on a server computer, and therein the system further comprises the wireless device.