The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 09, 2020
Filed:
Jun. 03, 2019
Wells Fargo Bank, N.a., San Francisco, CA (US);
Darrell Lee Suen, San Ramon, CA (US);
Sridhar Kotamraju, Fremont, CA (US);
Christopher P. Clausen, Novato, CA (US);
Melody Su-Shin Kao, San Francisco, CA (US);
Christina Z. Ongpin, Burlingame, CA (US);
Kevin R. Cieslak, Novato, CA (US);
WELLS FARGO BANK, N.A., San Francisco, CA (US);
Abstract
Intelligent authentication is disclosed. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user. The activity log includes values corresponding to previous transactions made by the user and any additional information provided by 3party feeds. The activity logic is also configured to compare transaction metadata to the values. The system also includes an authentication logic configured to select an authentication level for the transaction based, at least in part, on the comparison.