US 11,748,469 B1
Multifactor identity authentication via cumulative dynamic contextual identity
Peter Bordow, Fountain Hills, AZ (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. 28, 2022, as Appl. No. 18/70,297.
Application 18/070,297 is a continuation of application No. 17/353,126, filed on Jun. 21, 2021, granted, now 11,514,155.
Application 17/353,126 is a continuation of application No. 16/269,175, filed on Feb. 6, 2019, granted, now 11,048,794.
Application 16/269,175 is a continuation of application No. 16/268,288, filed on Feb. 5, 2019, granted, now 11,290,448.
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); H04W 12/06 (2021.01); G06F 21/45 (2013.01); G06F 21/32 (2013.01); G06F 3/04847 (2022.01)
CPC G06F 21/45 (2013.01) [G06F 21/32 (2013.01); H04L 63/083 (2013.01); H04L 63/0853 (2013.01); H04L 63/0861 (2013.01); H04W 12/068 (2021.01); G06F 3/04847 (2013.01); G06F 2221/2111 (2013.01); H04L 2463/082 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
acquiring, by an identity system, user data related to a user;
generating, from the user data related to the user, a set of one or more identity elements in an identity databank, each identity element in the set of one or more identity elements having one or more payload values;
determining, based on the one or more payload values, for each identity element in the set of one or more identity elements:
(1) metadata related to the identity element; and
(2) at least one of a first identifier of each identity element or a second identifier of a source of each identity element;
receiving, via a graphical interface, instructions for control of the identity databank, the graphical interface being configured to allow the user to control:
entities that may access values in identity elements of the identity databank; and
purposes for which identified values in the identity elements may be shared; and
receiving, in a transmission initiated by a service provider device, a request for at least one of user data or authentication.