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:
Apr. 07, 2026
Filed:
Oct. 03, 2024
Wells Fargo Bank, N.a., San Francisco, CA (US);
Kasiperumal Achappan, Karnatakaq, IN;
Ramya Balasubramanian, Telangana, IN;
Poornimadevi Pandurangan, Karnataka, IN;
Ajay Kumar Panikkar, Sunnyvale, CA (US);
Ravi Kanth Thota, San Francisco, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A computer system and method for managing device trust during digital interactions. The method comprises capturing device data, including static and dynamic parameters, from a device upon user login to a digital platform. Static parameters are analyzed during the initial login to establish a static trust score, while dynamic parameters are analyzed across sessions to establish a dynamic trust score, which is incrementally updated based on subsequent data. The static and dynamic trust scores are combined to generate a combined trust score, and the device is assigned to one of multiple risk clusters. Based on the assigned cluster, adaptive security protocols are triggered. Assignment to a moderate-risk cluster initiates a step-up authentication process, and failure of the process results in assignment to a high-risk cluster, restricting access to the platform.