US 12,073,402 B2
User and entity authentication through an information storage and communication system
Al Hecht, San Francisco, CA (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 Sep. 18, 2023, as Appl. No. 18/369,634.
Application 18/369,634 is a continuation of application No. 17/558,286, filed on Dec. 21, 2021, granted, now 11,763,304.
Application 17/558,286 is a continuation of application No. 15/985,917, filed on May 22, 2018, granted, now 11,232,449.
Application 15/985,917 is a continuation of application No. 14/195,297, filed on Mar. 3, 2014, granted, now 10,055,732.
Claims priority of provisional application 61/922,482, filed on Dec. 31, 2013.
Claims priority of provisional application 61/806,686, filed on Mar. 29, 2013.
Prior Publication US 2024/0005327 A1, Jan. 4, 2024
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/4014 (2013.01) [G06Q 20/3674 (2013.01); G06Q 20/40 (2013.01); G06Q 20/401 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A non-transitory computer-readable medium having computer-executable instructions encoded thereon which, when executed by one or more processors, cause the one or more processors to perform operations comprising:
receiving, from a first seller device, using a network interface in communication with the one or more processors, via a communication network, a first authentication request to authenticate information of a buyer for a first transaction, the first authentication request comprising a first seller device location and a first transaction value;
based on a comparison of the first transaction value to a lower level transaction threshold, and based on the first seller device location, determining that a lower level of authentication is required for the first transaction;
in response to determining that the lower level of authentication is required for the first transaction, transmitting, to a client application at a buyer device of the buyer, using the network interface, via the communication network, a first information request for a first set of one or more user inputs via a first user interface, the first set of one or more user inputs comprising at least an alphanumeric entry;
receiving, from the buyer device responsive to the first information request, using the network interface, via the communication network, an alphanumeric user input provided to the first user interface of the client application;
authenticating the alphanumeric user input from the buyer device by comparing the alphanumeric user input with information stored in an account of the buyer to verify the alphanumeric user input is associated with the buyer;
in response to authenticating the alphanumeric user input, transmitting, to the first seller device, using the network interface, via the communication network, a first authentication message comprising an indication the buyer is authenticated for the first transaction;
determining that a higher level of authentication is required for a second transaction; and
in response to determining that the higher level of authentication is required, transmitting, to the client application at the buyer device, using the network interface, via the communication network, a second information request for a second set of user inputs via a plurality of user interfaces, wherein the second set of user inputs comprises at least a biometric user input, each of the plurality of user interfaces accepting one of a second alphanumeric input or the biometric user input.