TokenSentinel: aplicando tokenização baseada em contexto dinâmico usando geolocalização em gateways de pagamento

Abstract

This work presents an authentication architecture proposal designed for digital payment systems, addressing the growing need to strengthen security against the rise of fraud and unauthorized access. The aim of this research is to propose a model capable of generating dynamic tokens linked to contextual variables — such as geolocation, IP address, and access time — utilizing tokenization processes to make the authentication more adaptable and robust. The solution consists of the modeling and implementation of a microservice responsible for issuing and validating these tokens, taking into account environmental factors at the time of the request, which enhances protection in distributed environments. The proposal is justified by the challenges imposed by digital transformation in the financial sector, which demands more flexible and responsive mechanisms given the growth of online transactions. Thus, the model is expected to contribute to the mitigation of unauthorized access, complementing traditional approaches and promoting greater reliability in digital identity processes.