IP Library Granted Patent US 12,614,177
Granted Patent B2
US 12,614,177 · App. 18/333,836 · Granted Apr 28, 2026

Identity verification process

Inventors: Marc Ward (Livermore, CA); Thomas J. Gilheany (San Jose, CA)
Assignee: Wells Fargo Bank, N.A.
G06Q20/4014H04L63/08
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Quick Facts
Patent No.
US 12,614,177
App. No.
18/333,836
Filed
Jun 13, 2023
Granted
Apr 28, 2026
Kind
B2
Examiner
LE, CHAU D
Art Unit
2408
USPC
726/4
Abstract

Techniques described herein involve processes and systems for performing identity verification on a network. In one example, this disclosure describes a method that comprises receiving, by a computing system and from a requesting device, a request to perform an identity verification for a requesting user that is operating the requesting device; outputting, by the computing system and to the requesting device, code information; enabling, by the computing system, the requesting device to display a code derived from the code information; receiving, by the computing system and from a verification device, an image of another device; and determining, by the computing system and based on the image of the other device, whether the other device is the requesting device.

Claims (52)

1 . A computing system comprising a storage device and processing circuitry having access to the storage device, wherein the processing circuitry is configured to:

receive, from a requesting device, a request to perform an identity verification for a requesting user that is operating the requesting device;

output, to the requesting device, code information;

enable the requesting device to display a code derived from the code information;

receive, from a verification device operated by a verification user having personal knowledge of an identity associated with the requesting user, an image of a pictured device; and

determine, based on the image of the pictured device, whether the pictured device is the requesting device.

2 . The computing system of claim 1 , wherein the processing circuitry is further configured to:

receive proximity information indicating whether the verification device is near the requesting device.

3 . The computing system of claim 2 , wherein to receive proximity information, the processing circuitry is further configured to:

receive, from both the requesting device and the verification device, proximity information.

4 . The computing system of claim 3 , wherein to determine whether the pictured device is the requesting device, the processing circuitry is further configured to:

determine, based on the proximity information, whether the verification device is near the requesting device.

5 . The computing system of claim 1 , wherein to determine whether the pictured device is the requesting device, the processing circuitry is further configured to:

determine whether the image of the pictured device includes an image of the code being displayed by the pictured device.

6 . The computing system of claim 1 , wherein the processing circuitry is further configured to:

determine whether the pictured device is being operated by the requesting user.

7 . The computing system of claim 6 , wherein to determine whether the pictured device is being operated by the requesting user, the processing circuitry is further configured to:

identify the requesting user in the image of the pictured device.

8 . The computing system of claim 7 , wherein to identify the requesting user in the image of the pictured device, the processing circuitry is further configured to:

perform facial recognition analysis on the image of the pictured device.

9 . The computing system of claim 6 , wherein the pictured device is operated by an operator, and wherein processing circuitry is further configured to:

receive, from the verification device and based on input detected by the verification device, an indication of identity about the operator.

10 . The computing system of claim 9 , wherein to determine whether the pictured device is being operated by the requesting user, the processing circuitry is further configured to:

determine, based on the indication of identity about the operator, whether the operator is the requesting user.

11 . A method comprising:

receiving, by a computing system and from a requesting device, a request to perform an identity verification for a requesting user that is operating the requesting device;

outputting, by the computing system and to the requesting device, code information;

enabling, by the computing system, the requesting device to display a code derived from the code information;

receiving, by the computing system and from a verification device operated by a verification user having personal knowledge of an identity associated with the requesting user, an image of a pictured device; and

determining, by the computing system and based on the image of the pictured device, whether the pictured device is the requesting device.

12 . The method of claim 11 , further comprising:

receiving, by the computing system, proximity information indicating whether the verification device is near the requesting device.

13 . The method of claim 12 , wherein receiving proximity information includes:

receiving, from both the requesting device and the verification device, proximity information.

14 . The method of claim 13 , wherein determining whether the pictured device is the requesting device includes:

determining, based on the proximity information, whether the verification device is near the requesting device.

15 . The method of claim 11 , wherein determining whether the pictured device is the requesting device includes:

determining whether the image of the pictured device includes an image of the code being displayed by the pictured device.

16 . The method of claim 11 , further comprising:

determining, by the computing system, whether the pictured device is being operated by the requesting user.

17 . The method of claim 16 , wherein determining whether the pictured device is being operated by the requesting user includes:

identifying the requesting user in the image of the pictured device.

18 . The method of claim 17 , wherein identifying the requesting user in the image of the pictured device includes:

performing facial recognition analysis on the image of the pictured device.

19 . The method of claim 16 , wherein the pictured device is operated by an operator, the method further comprising:

receiving, by the computing system from the verification device and based on input detected by the verification device, an indication of identity about the operator.

20 . A non-transitory computer-readable medium comprising instructions that, when executed, configure processing circuitry of a computing system to:

receive, from a requesting device, a request to perform an identity verification for a requesting user that is operating the requesting device;

output, to the requesting device, code information;

enable the requesting device to display a code derived from the code information;

receive, from a verification device operated by a verification user having personal knowledge of an identity associated with the requesting user, an image of a pictured device; and

determine, based on the image of the pictured device, whether the pictured device is the requesting device.

Assignments (2)
REQUEST FOR ADDRESS CHANGE Recorded Dec 5, 2025
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 073896/0195 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 16, 2023
From: WARD, MARC; GILHEANY, THOMAS J.
To: WELLS FARGO BANK, N.A.
Reel/Frame 064613/0973 →
Continuity (1)
Related Publication 20240422145A1 · Dec 19, 2024
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