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:
Nov. 09, 2021
Filed:
Dec. 21, 2018
Wells Fargo Bank, N.a., San Francisco, CA (US);
Laurie Jean Hamm, Charlotte, NC (US);
Patricia Hinrichs, San Francisco, CA (US);
Bryan C. Partyka, Charlotte, NC (US);
Michael L. Casper, Mint Hill, NC (US);
Maryanne Genus, San Francisco, CA (US);
Natalie Holm, Midland, NC (US);
Claes Dahlstrand, Charlotte, NC (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
Systems and techniques for multi-layer user authentication with live interaction are described herein. An authentication request may be received from a user for secure data stored in a computing system. Contextual data may be received that is associated with authentication information received from the user. It may be determined that the user has passed a first authentication process based on a match between the authentication information and reference authentication information stored in a user profile for the user. A risk score may be generated for the authentication request based on the contextual data and the authentication data. A second authentication process may be identified based on the risk score. A set of secondary authentication information may be received. Data associated with the authentication request may be transmitted upon authentication of the user via the second authentication process based on the set of secondary authentication data.