US 12,406,038 B1
Systems and methods for location-binding authentication
Gerard K. Cohen, Oakland, CA (US); Michelle D. Green, San Francisco, CA (US); Christopher P. Smith, Marvin, NC (US); Craig Stuart, San Francisco, CA (US); Kenneth L. Wright, Charlotte, NC (US); and Michelle M. Young, Houston, TX (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. 27, 2021, as Appl. No. 17/486,733.
Application 17/486,733 is a continuation of application No. 15/204,649, filed on Jul. 7, 2016, granted, now 11,132,425.
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/31 (2013.01); G06F 21/62 (2013.01); G06Q 20/32 (2012.01)
CPC G06F 21/31 (2013.01) [G06F 21/6218 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/3276 (2013.01); G06F 2221/2111 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method of authenticating a login request at a computing device, the method comprising:
receiving, by a computing device, the login request including a user identifier associated with a user;
transmitting, by the computing device, a request for location information of a user device associated with the user to indicate a first location of the user device;
causing, by the computing device, the user device to execute computer-executable code that is deployed to the user device to cause the user device to:
generate a first encoded value based on a unique identifier of the user device;
generate a second encoded value based on the first location of the user device; and
generate a location-based modifiable digital fingerprint comprising the first encoded value and the second encoded value, wherein the location-based modifiable digital fingerprint changes responsive to changes in location of the user device;
detecting, by the computing device, a change in location of the user device from the first location of the user device to a second location of the user device;
receiving, by the computing device, the location-based modifiable digital fingerprint from the user device based on the change in the location of the user device triggering the user device to change the location-based modifiable digital fingerprint;
verifying, by the computing device, the user device based on the change to the location-based modifiable digital fingerprint including a change to the second encoded value that corresponds to the second location of the user device; and
providing, by the computing device, the user access to the computing device.