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:
May. 13, 2025
Filed:
Dec. 22, 2021
Wells Fargo Bank, N.a., San Francisco, CA (US);
Jeff J. Stapleton, O'Fallon, MO (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
Systems and methods may generally be used to authenticate user credentials. An example method may include using a personal identifier and a stored base derivation key to generate an initial key value, generating a current key value using an initial key value and a counter, determining a decryption key from the current key value and decrypting an encrypted secret value using the decryption key to identify a password. The method may include generating a password check value using the current key value and the device identifier, and determining whether to authenticate the user device based on whether the password check value indicates that the password is valid.