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.

Date of Patent:
May. 14, 2024

Filed:

May. 28, 2021
Applicant:

Uipco, Llc, San Antonio, TX (US);

Inventors:

Ryan Thomas Russell, The Colony, TX (US);

Gregory Brian Meyer, San Antonio, TX (US);

Steven Michael Bernstein, San Antonio, TX (US);

David Ira Waters, Jr., San Antonio, TX (US);

Patrick Michael Luberus, San Antonio, TX (US);

Assignee:
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/32 (2012.01); G06Q 20/10 (2012.01); G06Q 20/40 (2012.01); H04L 9/40 (2022.01); H04W 12/06 (2021.01); H04W 12/08 (2021.01);
U.S. Cl.
CPC ...
G06Q 20/325 (2013.01); G06Q 20/108 (2013.01); G06Q 20/4014 (2013.01); H04L 63/083 (2013.01); H04W 12/068 (2021.01); H04W 12/08 (2013.01); H04L 2463/082 (2013.01);
Abstract

The embodiments disclosed herein use WiFi signals detected from nearby WiFi networks to confirm the identity of a bank's customer logging in to his or her account at the bank. Specifically, the customer's computing device may detect signals from neighboring WiFi networks. The bank may then verify that the customer's accounts are being accessed from the customer's home or office by comparing the list of neighboring WiFi networks to a previously stored list of the neighboring networks. If the lists match, it is probable that the customer's accounts are being accessed from the customer's home or office, thus reducing the possibility that a fraudulent actor is trying to access the customer's accounts.


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