Intelligent authentication

US10679211B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Darrell L. Suen · San Ramon, US
• Sridhar Kotamraju · Fremont, US
• Christopher P. Clausen · Novato, US
• Melody Su-Shin Kao · San Francisco, US
• Christina Z. Ongpin · Burlingame, US
• Kevin R. Cieslak · Novato, US

Key dates

• Filing date: Jun 3, 2019
• Grant date: Jun 9, 2020
• Expiry date: Jun 3, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Intelligent authentication is disclosed. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user. The activity log includes values corresponding to previous transactions made by the user and any additional information provided by 3rd party feeds. The activity logic is also configured to compare transaction metadata to the values. The system also includes an authentication logic configured to select an authentication level for the transaction based, at least in part, on the comparison.