United States Automobile Association (usaa)

Steven Michael Anzaldua

Subhalakshmi Selvam

Casey Roberto Rinehart

Navaid Hussain

Justin Royell Nash

Soon Fatt Hoo

Mutual authentication and CSR verification techniques are described in this patent document. When a first person calls a second person, neither of them know that the other person is who he or she says he or she is. After a second person receives the call, the second person can log into a provider portal using a user device. After the second person logs in, the second person can see a verification of the call, can input on the user device a time passcode, or can receive such as passcode from a central system to authenticate the first person. The first person can provide the passcode to the second person. Upon receiving the inputted passcode, the second person can use his or her user device to indicate that the time passcode is correct so that the second person can be authenticated to access the first person's account.

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Goliad, TX, United States of America

Steven Michael Anzaldua