Bank speech authentication

US10298566B1 · kind B1 · utility

Assignee

• United Services Automobile Association (USAA) · US

Inventors

• Richard E. Moore · Marietta, US
• Hector J. Castillo · San Antonio, US

Key dates

• Filing date: Apr 30, 2018
• Grant date: May 21, 2019
• Expiry date: Apr 30, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Authentication mechanisms are disclosed. For example, an enterprise associated number or a social security number (SSN) can be provided to enter a first level. Then, any one of a ZIP code number, a device identifier, a date of birth, and a portion of the SSN can be provided to access applications in the first level. Lastly, a PIN can be provided to enter a second level of the enterprise. Additionally, these authentication mechanisms can be added and/or changed. In the former case, if a user used a SSN to enter the mentioned first level, then a date of birth can be used to update an authentication mechanism. Alternatively, if a user used an enterprise number to gain such access, then part of the SSN can be used for the update. If the user wants to change the authentication mechanism, the date of birth can be used for the update.