Secondary financial session monitoring across multiple access channels

US10719830B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Suzanne M. Fisi · Clayton, US
• Kristine Ing Kushner · Orinda, US
• Stephanie S. Hellman · Fairfax, US
• Joel Gardner · Charlotte, US
• John Chuprevich · Davidson, US
• Ayesha Hasan · San Francisco, US
• Darrell L. Suen · San Ramon, US
• Chris Kalaboukis · Los Gatos, US

Key dates

• Filing date: Dec 29, 2016
• Grant date: Jul 21, 2020
• Expiry date: Jan 18, 2039

Classification

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

Abstract

An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.