Systems and methods for establishing, using, and recovering universal digital identifiers

US11394766B2 · kind B2 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Chad E. Adams · Fairview Heights, US
• Daniel Robert Caricato · Fort Mill, US
• Kahlidah B. Covington · Kannapolis, US
• Ashley Brook Godfrey · Chambersburg, US
• Christopher Wayne Howser · Concord, US
• Nicola A. Maiorana · Charlotte, US
• Nirali Patel · Bristol, US
• Richard Joseph Schroeder · Richfield, US
• Roger Daryll White · Charlotte, US

Key dates

• Filing date: Apr 15, 2020
• Grant date: Jul 19, 2022
• Expiry date: Aug 15, 2040

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2101/365
• WIPO field: Digital communication
• WIPO sector: Electrical engineering

Abstract

Disclosed herein are systems and methods for establishing, using, and recovering universal digital identifiers. In an embodiment, a system establishes a universal identifier (ID) associated with a user and a device of the user. The universal ID is universal with respect to a plurality of distinct entities, has at least a suspended state and an unsuspended state, and initially is in the unsuspended state. The system transmits the universal ID to the device of the user. Thereafter, the system detects an ID-suspension event in connection with the universal ID, and responsively suspends the universal ID, including placing the universal ID in the suspended state. After suspending the universal ID, the system completes an ID-recovery process for the universal ID, and responsively unsuspends the universal ID, including placing the universal ID in the unsuspended state.