US 11,695,746 B2
Multi-layer user authentication with live interaction
Laurie Jean Hamm, Charlotte, NC (US); Patricia L. Hinrichs, Phoenix, AZ (US); Bryan C. Partyka, Charlotte, NC (US); Michael L. Casper, Mint Hill, NC (US); Maryanne G. Genus, Rock Hill, SC (US); Natalie Holm, Midland, NC (US); and Claes Dahlstrand, Charlotte, NC (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 Nov. 8, 2021, as Appl. No. 17/453,939.
Application 17/453,939 is a continuation of application No. 16/229,103, filed on Dec. 21, 2018, granted, now 11,171,938.
Prior Publication US 2022/0060461 A1, Feb. 24, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 29/06 (2006.01); H04L 9/40 (2022.01); G06N 20/00 (2019.01)
CPC H04L 63/08 (2013.01) [H04L 63/102 (2013.01); G06N 20/00 (2019.01)] 20 Claims
OG exemplary drawing
 
1. A system for multi-layer user authentication, the system comprising:
at least one processor; and
memory including instructions that, when executed by the at least one processor, cause the at least one processor to perform operations to:
receive an authentication request from a user for secure data stored in a computing system;
determine that a user has passed a first authentication process;
generate a risk score for the authentication request based on contextual data associated with the authentication request;
receive a set of secondary authentication information from the user via a secondary authentication process triggered by the risk score; and
transmit secure data to a user interface upon completion of the secondary authentication process.