FIELD

The present invention relates to security for interactions, and more particularly, to a co-location security system for verifying entities for interactions.

BACKGROUND

Identifying entities involved in interactions with more accuracy reduces the potential for misappropriation of information and/or resources. Many ways to identify entities have by contemplated, however, many of these traditional ways to identify entities may be limited, inaccurate, and/or costly. Moreover, these traditional ways of identifying entities may be subject to potential misappropriation by users trying to imitate the entities and/or assert themselves within the interactions.

SUMMARY

The following presents a simplified summary of one or more embodiments of the present invention, in order to provide a basic understanding of such embodiments. This summary is not an extensive overview of all contemplated embodiments, and is intended to neither identify key or critical elements of all embodiments nor delineate the scope of any or all embodiments. Its sole purpose is to present some concepts of one or more embodiments of the present invention in a simplified form as a prelude to the more detailed description that is presented later.

Generally, systems, computer implemented methods, and computer products are described herein for an interaction security system for user verification that utilizes co-location in order to more accurately identify a user location. The system identifies a user computer system location based a location determination component for the user computer systems. Moreover, the system identifies a resource accessory location of a resource accessory. The resource accessory location may be determined in a number of different ways, including, but not limited to, a location determination component of the resource accessory. The system may utilize a time requirement and/or a geo-location requirement in order to maintain verification of the user for a period of time and/or within a specific location. Moreover, the system may require the user to take an action with respect to the resource accessory before verifying the user location for an interaction.

Embodiments of the invention comprise systems, computer implemented method, and/or computer program products for an interaction security system for user verification. The invention comprises receiving an indication of an interaction involving a user, wherein the user entered the interaction through a user computer system. The invention further comprises identifying a user computer system location, and a resource accessory location of a resource accessory of the user. The invention further comprises determining when the user computer system location and the resource accessory location meet a location requirement, and verifying the user for the interaction when the location requirement is met.

In further accord with embodiments of the invention, upon the verification of the user a time requirement is set in which a plurality of future interactions fail to require additional verification.

In other embodiments of the invention, upon the verification of the user a geo-fenced requirement is set in which a plurality of future interaction fail to require additional verification.

In still other embodiments, the invention further comprises allowing the interaction when the location requirement is met and preventing the interaction when the location requirement fails to be met.

In yet other embodiments, the invention further comprises receiving an indication of a second interaction involving the user and determining a time requirement for allowing subsequent interactions. The invention also further comprises determining when a second interaction time of the second interaction meets the time requirement and verifying the user for the second interaction when the time requirement is met.

In other embodiments, the invention further comprises allowing the second interaction when the time requirement is met. However, when the time requirement fails to be met the invention further comprises identifying the user computer system location and identifying the resource accessory location again. The invention further comprises determining when the user computer system location and the resource accessory location meets the location requirement and verifying the user for the second interaction when the location requirement is met.

In further accord with embodiments, the invention further comprises receiving an indication of a second interaction involving the user and determining a geo-fenced requirement for allowing subsequent interactions. The invention further comprises determining when a second interaction location of the second interaction meets the geo-fenced requirement and verifying the user for the second interaction when the geo-fenced requirement is met.

In other embodiments, the invention further comprises allowing the second interaction when the geo-fenced requirement is met. However, when the geo-fenced requirement fails to be met the invention further comprises identifying the user computer system location and identifying the resource accessory location. The invention further comprises determining when the user computer system location and the resource accessory location meets the location requirement and verifying the user for the second interaction when the location requirement is met.

In still other embodiments of the invention, the resource accessory comprises a resource instrument, and the resource accessory location is based on a last interaction in which the resource instrument was utilized.

In yet other embodiments of the invention, the resource accessory comprises a location determination component, and the resource accessory location is based on the location determination component in the resource accessory.

In other embodiments of the invention, the location determination component utilizes global positioning satellites (GPS), WiFi triangulation, near-field communication, or z-wave.

In further accord with embodiments, the invention further comprises prompting the user to take an action with the resource accessory, receiving an indication of the action from the resource accessory that the action is completed, and wherein verification of the user is not completed until the action on the resource accessory is completed.

In other embodiments of the invention, the action on the resource accessory comprises turning the resource accessory on, entering a password into the resource accessory, making a gesture on the resource accessory, or entering a pin from the resource accessory into the user computer system.

To the accomplishment the foregoing and the related ends, the one or more embodiments comprise the features hereinafter described and particularly pointed out in the claims. The following description and the annexed drawings set forth certain illustrative features of the one or more embodiments. These features are indicative, however, of but a few of the various ways in which the principles of various embodiments may be employed, and this description is intended to include all such embodiments and their equivalents.

