Intelligent authentication

US11348102B1 · 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: May 1, 2020
• Grant date: May 31, 2022
• Expiry date: May 1, 2040

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. Data associated with a request for resource access by a user is compared to values of factors related to previous resource access by the user. A score is computed based on a result of the compare. Here, the score represents a degree of likelihood the user is the user associated with the previous resource access. An authentication level can then be determined based on the score, and authentication of the user triggered at the authentication level. In one instance, the authentication can be triggered to re-authenticate a user after a user session times out.