US 12,438,723 B2
Systems and methods of identity authentication using a custom visual code
Jason Huang, San Francisco, CA (US); Dennis E. Montenegro, Concord, CA (US); and Sadie S. Salim, Mill Valley, 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 May 22, 2023, as Appl. No. 18/321,375.
Prior Publication US 2024/0396733 A1, Nov. 28, 2024
Int. Cl. H04L 9/32 (2006.01); G06K 7/14 (2006.01); H04L 9/08 (2006.01)
CPC H04L 9/3231 (2013.01) [G06K 7/1413 (2013.01); H04L 9/0863 (2013.01); H04L 9/0866 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for executing a transaction, the method comprising:
detecting, by a user device, that the user device is within a predetermined threshold range of an authenticating device, wherein the predetermined threshold range varies based on a wireless technology of the user device and based on a wireless technology of the authenticating device;
displaying, at the user device, a prompt requesting biometric data from a user associated with the user device;
receiving, by the user device, the biometric data;
determining, by the user device, user identification information based on received biometric data;
generating, by the user device, a temporary one-time password;
encrypting, by the user device, the user identification information and the temporary one-time password; and
generating a visual code for display on the user device based in part on the encrypted temporary one-time password and user identification information, wherein the visual code comprises additional instructions for the authenticating device including details for executing the transaction.