US Patent 11533614 Systems and methods of multi-factor authentication utilizing a vehicle

Embodiments disclosed herein describe vehicle-based authentication protocols. An illustrative authentication server may receive a request to authenticate a user connected from a mobile device. The authentication server may transmit a request to the mobile device to transmit geolocation data of the mobile device. In response, the mobile device may transmit a stream of its geolocation data. Based upon the received geolocation data stream, the authentication server may determine that the mobile device in a motion and select a vehicle-based authentication protocol to request geolocation data of a trusted vehicle. The authentication server may compare the mobile device geolocation data stream and the vehicle geolocation data stream to determine a similarity score. If the similarity score is above a threshold, the authentications server may authenticate the user. In some cases, the authentication server may authenticate the user if the mobile device is connected to the trusted vehicle.