US 11,757,882 B2
Conditionally-deferred authentication steps for tiered authentication
Hyunsuk Han, San Ramon, CA (US); and Mahesh Acharya, Castro valley, CA (US)
Assigned to LENDINGCLUB BANK, NATIONAL ASSOCIATION, Lehi, UT (US)
Filed by LendingClub Bank, National Association, Lehi, UT (US)
Filed on Oct. 24, 2022, as Appl. No. 17/972,516.
Application 17/972,516 is a continuation of application No. 16/836,813, filed on Mar. 31, 2020, granted, now 11,483,312.
Prior Publication US 2023/0038476 A1, Feb. 9, 2023
Int. Cl. H04L 29/06 (2006.01); H04L 9/40 (2022.01)
CPC H04L 63/0884 (2013.01) [H04L 63/0892 (2013.01); H04L 63/105 (2013.01); H04L 2463/082 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A computer-executed method comprising:
receiving, from a particular client, a first request, within a particular session, to perform a first action in an application;
wherein the application supports:
a first set of actions that require authentication at a first authentication tier, and
a second set of actions that require authentication at a second authentication tier that is higher than the first authentication tier;
wherein the first action belongs to the first set of actions;
wherein the first request identifies the particular session with a non-Additional Authentication Step Deferral (AASD) session identifier;
in response to the first request:
authenticating the client to the first authentication tier;
generating an AASD session identifier for the particular session, wherein the AASD session identifier is different than the non-AASD session identifier;
storing data that indicates that the particular session has been authenticated to the first authentication tier but not the second authentication tier;
returning to the client the AASD session identifier;
allowing the client to perform the second action;
receiving, from the particular client, a second request, within the particular session, to perform a second action in the application;
wherein the second action belongs to the first set of actions;
wherein the second request identifies the particular session with the AASD session identifier;
in response to the second request and based on the AASD session identifier:
allowing the client to perform the second action without repeating authenticating the client to the first authentication tier;
wherein the method is performed by one or more computing devices.