Wells Fargo Bank, N.a.

Wendy Davidson

Daniel S Sumner

Joel Gardner

Douglas Innocenti

Zoe Tierney

Wesley Donald Duncan

Christopher Robin Sharpe

Kevin Potter

Joseph Benjamin Agnew

Michael J Martindale

Raymond Creed Lowers

Techniques are described for managing authentication tokens associated with a secure account maintained by a business or organization. In one example, this disclosure describes a method that includes storing interaction information associated with an account maintained by an organization, wherein the interaction information includes information about authentication tokens used during a plurality of prior authentication procedures performed for the account, receiving, over a network, a request to authenticate a user to access the account, determining, based on the stored interaction information, an authentication token to be used to authenticate the user, wherein the authentication token is different than a prior authentication token used during the plurality of prior authentication procedures performed for the account, presenting a prompt for the authentication token; and determining, based on information received in response to the prompt, whether the user is authorized to access the account.

Authentication token management

Growing community of inventors

Charlotte, NC, United States of America

Wendy Davidson