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:
Sep. 02, 2025

Filed:

Sep. 27, 2021
Applicant:

Wells Fargo Bank, N.a., San Francisco, CA (US);

Inventors:

Gerard K. Cohen, Oakland, CA (US);

Michelle D. Green, San Francisco, CA (US);

Christopher P. Smith, Marvin, NC (US);

Craig Stuart, San Francisco, CA (US);

Kenneth L. Wright, Charlotte, NC (US);

Michelle M. Young, Houston, TX (US);

Assignee:

Wells Fargo Bank, N.A., San Francisco, CA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06F 21/31 (2013.01); G06F 21/62 (2013.01); G06Q 20/32 (2012.01);
U.S. Cl.
CPC ...
G06F 21/31 (2013.01); G06F 21/6218 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/3276 (2013.01); G06F 2221/2111 (2013.01);
Abstract

Systems, methods, and apparatuses for authenticating a user based at least in part on a location of the user or a location of a user device are described. A method includes: receiving a login request including a user identifier associated with a user; transmitting a request for location information of a user device associated with the user; causing computer-executable code deployed to the user device to generate a location-based modifiable digital fingerprint comprising a first encoded value based on a unique identifier of the user device and a second encoded value based on a first location information of the user device; receiving the location-based modifiable digital fingerprint from the user device; verifying that the location information from the location-based modifiable digital fingerprint corresponds to a second location; and providing the user access to the computing device.


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