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:
Jul. 14, 2026
Filed:
Feb. 16, 2026
Applicant:
U.s. Bank National Association, Minneapolis, MN (US);
Inventor:
Christopher Ziolkowski, Burnsville, MN (US);
Assignee:
U.S. Bank National Association, Minneapolis, MN (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 9/40 (2022.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); H04L 9/30 (2006.01);
U.S. Cl.
CPC ...
H04L 63/08 (2013.01); G06Q 20/36 (2013.01); G06Q 20/4012 (2013.01); H04L 9/30 (2013.01); H04L 63/0853 (2013.01); H04L 63/0884 (2013.01); G06Q 2220/00 (2013.01);
Abstract
A process for validating a user using existing secure infrastructure, such as Automated Teller Machines (ATMs). The process can be modified to incorporate further aspects that verify information about a user (e.g., an identifier of a user, a location of the user) or verifying capabilities of a user (e.g., ability to receive messages via a communication channel, such as a telephone number, email address, or mailing address).
Ziolkowski, Christopher. (2026). User authentication using secure infrastructure (U.S. Patent No. 12683946). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12683946
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile