Systems and methods for network authentication with a shared secret

Abstract

A computing system can associate a customer device of a customer with a financial transaction record and the merchant, the financial transaction record indicative of a first purchase from the merchant by the customer, transmit a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of the financial transaction record indicative of the first purchase from the merchant by the customer, authenticating, by the computing system, the first request by determining that the customer-input response to the first query corresponds to the established aspect of the first purchase in accordance with a predetermined accuracy threshold, and authorizing, by the computing system, connection of the customer device to the network provided by the merchant based at least in part on the first request being authenticated.

What is claimed is: 
     
         1 . A method, comprising:
 receiving, by a computing system after completion of a first purchase from the merchant, a first request to connect to a network provided by a merchant from a customer device, the customer device associated with the merchant and the first purchase;   transmitting, by the computing system, a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of a financial transaction record indicative of the first purchase from the merchant by the customer, the aspect of the first purchase established as a network authentication credential for the customer for the network provided by the merchant;   authenticating, by the computing system, the first request by determining that a customer-input response to the first query corresponds to the aspect of the first purchase in accordance with a predetermined accuracy threshold associated with a maximum difference between the customer-input response and the aspect of the first purchase; and   authorizing, by the computing system, connection of the customer device to the network provided by the merchant based at least in part on the first request being authenticated.   
     
     
         2 . The method of  claim 1 , further comprising:
 selecting, by the computing system and based on a predetermined time period and the merchant, the financial transaction.   
     
     
         3 . The method of  claim 1 , wherein the aspect of the purchase corresponds to at least one of a timing of the first purchase, a transaction amount of the first purchase, an identity of a product or service in the first purchase, and a location of the first purchase. 
     
     
         4 . The method of  claim 1 , wherein the aspect of the first purchase established as the network authentication credential includes a transaction amount of the first purchase. 
     
     
         5 . The method of  claim 1 , wherein the aspect of the purchase established as the network authentication credential includes an identity of a product or service in the first purchase. 
     
     
         6 . The method of  claim 1 , wherein the first query requests the customer to identify the product or service. 
     
     
         7 . The method of  claim 1 , further comprising:
 receiving, by the computing system, a description indicative of a second purchase by a customer, the second purchase occurring after the first purchase;   updating, by the computing system, the network security credential of the customer to include an aspect of the second purchase;   receiving, by the computing system, a second request to connect to the network from the customer device; and   transmitting, by the computing system, a second query to the customer device prompting the customer to input information regarding the aspect of the second purchase.   
     
     
         8 . The method of  claim 7 , further comprising:
 authenticating, by the computing system, the second request by determining that the customer-input response to the second query corresponds to the aspect of the second purchase; and   authorizing, by the computing system, connection of the customer device to the network based at least in part on the second request being authenticated.   
     
     
         9 . The method of  claim 1 , further comprising:
 transmitting, by the computing system, the aspect of the first purchase to a network agent associated with the merchant, the network agent to associate the aspect of the first purchase with information indicative of an identity of the customer device.   
     
     
         10 . A merchant computing system comprising:
 a memory and one or more processors configured to:
 receive, after completion of a first purchase from the merchant, a first request to connect to a network provided by a merchant from a customer device, the customer device associated with the merchant and the first purchase; 
 transmit a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of a financial transaction record indicative of the first purchase from the merchant by the customer, the aspect of the first purchase established as a network authentication credential for the customer for the network provided by the merchant; 
 authenticate the first request by determining that a customer-input response to the first query corresponds to the aspect of the first purchase in accordance with a predetermined accuracy threshold associated with a maximum difference between the customer-input response and the aspect of the first purchase; and 
 authorize connection of the customer device to the network provided by the merchant based at least in part on the first request being authenticated. 
   
     
     
         11 . The system of  claim 10 , the processors to:
 select, by the computing system and based on a predetermined time period and the merchant, the financial transaction.   
     
     
         12 . The system of  claim 10 , wherein the aspect of the purchase corresponds to at least one of a timing of the first purchase, a transaction amount of the first purchase, an identity of a product or service in the first purchase, and a location of the first purchase. 
     
     
         13 . The system of  claim 10 , wherein the aspect of the first purchase established as the network authentication credential includes a transaction amount of the first purchase. 
     
     
         14 . The system of  claim 10 , wherein the aspect of the purchase established as the network authentication credential includes an identity of a product or service in the first purchase. 
     
     
         15 . The system of  claim 10 , wherein the first query requests the customer to identify the product or service. 
     
     
         16 . The system of  claim 10 , the processors to:
 receive a description indicative of a second purchase by a customer, the second purchase occurring after the first purchase;   update the network security credential of the customer to include an aspect of the second purchase;   receive a second request to connect to the network from the customer device; and   transmit a second query to the customer device prompting the customer to input information regarding the aspect of the second purchase.   
     
     
         17 . The system of  claim 16 , the processors to:
 authenticate the second request by determining that the customer-input response to the second query corresponds to the aspect of the second purchase; and   authorize connection of the customer device to the network based at least in part on the second request being authenticated.   
     
     
         18 . The system of  claim 10 , the processors to:
 transmit the aspect of the first purchase to a network agent associated with the merchant, the network agent to associate the aspect of the first purchase with information indicative of an identity of the customer device.   
     
     
         19 . A non-transitory computer readable medium including one or more instructions stored thereon and executable by a processor to:
 receive, by a processor after completion of a first purchase from the merchant, a first request to connect to a network provided by a merchant from a customer device, the customer device associated with the merchant and the first purchase;   transmit, by the processor, a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of a financial transaction record indicative of the first purchase from the merchant by the customer, the aspect of the first purchase established as a network authentication credential for the customer for the network provided by the merchant;   authenticate, by the processor, the first request by determining that a customer-input response to the first query corresponds to the aspect of the first purchase in accordance with a predetermined accuracy threshold associated with a maximum difference between the customer-input response and the aspect of the first purchase; and   authorize, by the processor, connection of the customer device to the network provided by the merchant based at least in part on the first request being authenticated.   
     
     
         20 . The computer readable medium of  claim 19 , wherein the aspect of the purchase corresponds to at least one of a timing of the first purchase, a transaction amount of the first purchase, an identity of a product or service in the first purchase, and a location of the first purchase.