Patent · US Active

User-level token for user authentication via a user device

US11470079B1 · kind B1 · utility

3Cited by

8References

18Claims

0Family size

Assignee

Wells Fargo Bank, N.A. · US

Inventors

Ashish B. Kurani · Hillsborough, US
Kristine Ing Kushner · Orinda, US
Brian M. Pearce · Pleasanton, US
Steven E. Puffer · Champlin, US
Nikolai Stroke · Gilbert, US
Paul Vittimberga · Oakland, US
Young M. Yang · San Francisco, US

Key dates

Filing date	Jun 2, 2020
Grant date	Oct 11, 2022
Priority date	—
Expiry date	Jan 9, 2041

Classification

Technology area (CPC G)Physics
CPC primaryG06F21/32
WIPO fieldDigital communication
WIPO sectorElectrical engineering

Abstract

A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The user-level profile is associated with a user and is unique to the user. The method includes receiving a request to provide an identity verification of a user via an entity computing system, the request comprising a card-based transaction message associated with a card-based transaction, the card-based transaction message comprising the user-level token. The method further includes accessing the user-level profile associated with the user-level token, obtaining the user-level token from the card-based transaction message, validating the user-level token, and transmitting an identity verification approval to the entity computing system.

Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.