US 12,423,707 B1
Home router authentication device
Ryan Thomas Russell, The Colony, TX (US); Gregory Brian Meyer, San Antonio, TX (US); Steven Michael Bernstein, San Antonio, TX (US); David Ira Waters, Jr., San Antonio, TX (US); and Patrick Michael Luberus, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by UIPCO, LLC, San Antonio, TX (US)
Filed on Nov. 18, 2022, as Appl. No. 18/056,791.
Application 18/056,791 is a continuation of application No. 17/360,710, filed on Jun. 28, 2021, granted, now 11,531,991.
Claims priority of provisional application 63/046,412, filed on Jun. 30, 2020.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/36 (2012.01); H04L 9/40 (2022.01)
CPC G06Q 20/4093 (2013.01) [G06Q 20/3674 (2013.01); H04L 63/0853 (2013.01)] 7 Claims
OG exemplary drawing
 
1. A system comprising:
a router connected to a wireless local area network, wherein the router comprises a port;
a user authentication device (UAD) of a user, wherein the UAD stores an identifier and an authentication application;
a user computing device of the user;
a communications device communicatively connected to a transaction server and to an authentication server;
the authentication server storing an authentication database comprising authentication policies and security logic;
the transaction server storing an account database and running a transfer module; a bank server comprising the transaction server, the authentication server, and one or more applications that, when executed by the bank server, cause the bank server to perform the steps of:
storing a set of authentication policies for a user account of the user in the authentication database;
logging the user into the user account;
receiving a transaction request associated with the user account from the user computing device;
checking the set of authentication policies for the user account in the authentication database that the presence of the UAD is required for the received transaction request;
determining, based on the received transaction request and the set of authentication policies for the user account, that the UAD is required for executing a transaction corresponding to the transaction request;
determining, based on the determination that the UAD is required, that the UAD is plugged into the router by polling the router;
executing the requested transaction in response to the determining that the UAD is plugged into the router based on the polling of the router.