US 11,695,548 B1
Systems and methods for network authentication with a shared secret
Christopher P. Clausen, Novato, CA (US); Jeffrey A. Cornman, San Francisco, CA (US); David J. Dietrich, Charlotte, NC (US); Jinee K. Ellis, San Francisco, CA (US); and Chirstopher P. Smith, Omaha, NE (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Jan. 24, 2022, as Appl. No. 17/583,024.
Application 17/583,024 is a continuation of application No. 15/632,094, filed on Jun. 23, 2017, granted, now 11,233,634.
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/08 (2006.01); H04L 9/40 (2022.01); H04L 67/00 (2022.01); H04L 9/32 (2006.01); G06F 21/31 (2013.01); H04L 61/5014 (2022.01)
CPC H04L 9/0838 (2013.01) [G06F 21/31 (2013.01); H04L 9/0863 (2013.01); H04L 9/3226 (2013.01); H04L 61/5014 (2022.05); H04L 63/083 (2013.01); H04L 63/0892 (2013.01); H04L 67/34 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
associating, by a computing system, system associated with a merchant, a customer device of a customer with a financial transaction record and the merchant, the financial transaction record indicative of a first purchase from the merchant by the customer and completed a predetermined period of time prior to a first request to connect to a network provided by the merchant;
receiving, by the computing system, the first request to connect to the network provided by the merchant from the customer device after completion of the first purchase;
selecting, by the computing system, the financial transaction based on the predetermined time period and the merchant;
transmitting, by the computing system, a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of the financial transaction record indicative of the first purchase from the merchant by the customer, the aspect of the first purchase established as a network authentication credential for the customer for the network provided by the merchant;
receiving, by the computing system, a customer-input response to the first query; authenticating, by the computing system, the first request by determining that the customer-input response to the first query corresponds to the established aspect of the first purchase in accordance with a predetermined accuracy threshold, the predetermined accuracy threshold being associated with a maximum difference between the customer-input response and the established aspect of the first purchase; and
authorizing, by the computing system, connection of the customer device to the network provided by the merchant based at least in part on the first request being authenticated.