Granted Patent B1

US 12,316,766 · App. 18/358,895 · Granted May 27, 2025

Inventors: Huang Trung Vo (Little Elm, TX); Hieu Nguyen (Southlake, TX)

Assignee: United Services Automobile Association (USAA)

H04L9/3213G06F21/33H04L63/0892H04W12/06H04W12/08

Abstract

Claims (67)

1. A method of authorizing transactions, the method comprising:

receiving, at a step-up authentication service, a transaction request for step-up authentication for a transaction requested by a user,

wherein the transaction request includes a first access token that is active for a first predefined timeframe;

determining authentication information required for the transaction;

sending, via a first channel associated with a client application, an authentication request for the authentication information from the user;

receiving, at the step-up authentication service, the authentication information via a second channel associated with a second application, wherein the second channel associated with the second application is different from the first channel associated with the client application;

generating, by the step-up authentication service, a second access token that is active for at least one of:

a step-up time threshold that is less than the first predefined timeframe, or

a number of step-up transactions; and

sending, to an authentication service, the second access token relating to the transaction, wherein the transaction is authorized by releasing the second access token.

2. The method of claim 1 , further comprising:

verifying the authentication information from the client application.

3. The method of claim 1 , further comprising:

generating a third access token and exchanging the third access token with the second access token.

4. The method of claim 1 , further comprising:

determining the authentication information required for the transaction based on at least one transaction parameter,

wherein the authentication information includes biometric information, user knowledge-based information, or item-based information, and

wherein the authentication request specifies a channel for the user to provide the authentication information.

5. The method of claim 1 , wherein the transaction request is received from the user via a third channel that is different from the first channel.

6. The method of claim 1 , wherein the transaction request for the step-up authentication is sent to the step-up authentication service in response to a risk for the transaction exceeding a threshold.

7. The method of claim 1 , wherein the step-up authentication for the transaction is required based on at least one of: an amount of funds involved with the transaction, an identity of the user, or a device used to request the transaction.

8. A system comprising:

one or more processors; and

one or more memories storing instructions that, when executed by the one or more processors, cause the system to perform a process of authorizing transactions, the process comprising:

receiving, at a step-up authentication service, a transaction request for step-up authentication for a transaction requested by a user,

wherein the transaction request includes a first access token that is active for a first predefined timeframe;

determining authentication information required for the transaction;

sending, via a first channel associated with a client application, an authentication request for the authentication information from the user;

receiving, at the step-up authentication service, the authentication information via a second channel associated with a second application, wherein the second channel associated with the second application is different from the first channel associated with the client application;

generating, by the step-up authentication service, a second access token that is active for at least one of:

a step-up time threshold that is less than the first predefined timeframe, or

a number of step-up transactions; and

sending, to an authentication service, the second access token relating to the transaction,

wherein the transaction is authorized by releasing the second access token.

9. The system according to claim 8 , wherein the process further comprises:

verifying the authentication information from the client application.

10. The system according to claim 8 , wherein the process further comprises:

generating a third access token and exchanging the third access token with the second access token.

11. The system according to claim 8 , wherein the process further comprises:

determining the authentication information required for the transaction based on at least one transaction parameter,

wherein the authentication information includes biometric information, user knowledge-based information, or item-based information, and

wherein the authentication request specifies a channel for the user to provide the authentication information.

12. The system according to claim 8 , wherein the transaction request is received from the user via a third channel that is different from the first channel.

13. The system according to claim 8 , wherein the transaction request for the step-up authentication is sent to the step-up authentication service in response to a risk for the transaction exceeding a threshold.

14. The system according to claim 8 , wherein the step-up authentication for the transaction is required based on at least one of: an amount of funds involved with the transaction, an identity of the user, or a device used to request the transaction.

15. A non-transitory computer-readable medium storing instructions that, when executed by a computing system, cause the computing system to perform operations of authorizing transactions, the operations comprising:

receiving, at a step-up authentication service, a transaction request for step-up authentication for a transaction requested by a user,

wherein the transaction request includes a first access token that is active for a first predefined timeframe;

determining authentication information required for the transaction;

sending, via a first channel associated with a client application, an authentication request for the authentication information from the user;

receiving, at the step-up authentication service, the authentication information via a second channel associated with a second application, wherein the second channel associated with the second application is different from the first channel associated with the client application;

generating, by the step-up authentication service, a second access token that is active for at least one of:

a step-up time threshold that is less than the first predefined timeframe, or

a number of step-up transactions; and

sending, to an authentication service, the second access token relating to the transaction, wherein the transaction is authorized by releasing the second access token.

16. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

verifying the authentication information from the client application.

17. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

generating a third access token and exchanging the third access token with the second access token.

18. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

determining the authentication information required for the transaction based on at least one transaction parameter,

wherein the authentication information includes biometric information, user knowledge-based information, or item-based information, and

wherein the authentication request specifies a channel for the user to provide the authentication information.

19. The non-transitory computer-readable medium of claim 15 , wherein the transaction request is received from the user via a third channel that is different from the first channel.

20. The non-transitory computer-readable medium of claim 15 ,

wherein the transaction request for the step-up authentication is sent to the step-up authentication service in response to a risk for the transaction exceeding a threshold, and

wherein the step-up authentication for the transaction is required based on at least one of: an amount of funds involved with the transaction, an identity of the user, or a device used to request the transaction.

Assignments (2)

Continuity (3)

References Cited (34)