US Patent 9554274 System for authentication levels associated with a wearable device

Embodiments of the invention are directed to systems, methods, and computer program products for authentication levels associated with a wearable device. The system is configured to receive an indication that a user is in possession of the wearable device; authenticate the wearable device; receive an indication from the user to execute a transaction; determine that the user continues to remain in possession of the wearable device; determine that the transaction requires an authentication level higher than the default authentication level; receive additional authentication credentials associated with the authentication level required to execute the transaction; authenticate the wearable device using the additional authentication credentials received from the user; and execute the transaction associated with the authentication level higher than the default authentication level.