IP Library Granted Patent US 10,122,719
Granted Patent B1
US 10,122,719 · App. 14/985,724 · Granted Nov 6, 2018

Wearable device-based user authentication

Inventors: Dominik Vltavsky (Belmont Street, CA); Miranda C. Hill (Seattle, WA); Gary Brewer (Taylorsville, UT); Markell J Dvorak (San Antonio, TX)
Assignee: Wells Fargo Bank, N.A.
H04L63/10H04L63/083
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Quick Facts
Patent No.
US 10,122,719
App. No.
14/985,724
Granted
Nov 6, 2018
Kind
B1
Abstract

Various systems and methods for authenticating a user are described herein. A system comprises a processor subsystem; and a memory including instructions, which when executed by the processor subsystem, cause the processor subsystem to: receive at a server from a first user device, a first authentication token; receive at the server from a second user device, a second authentication token; authenticate the user based on the first and second authentication tokens; and establish a communication session from the server to the first user device when the user is authenticated.

Claims (37)

1. A system for authenticating a user, the system comprising

a processor subsystem; and

a memory including instructions, which when executed by the processor subsystem, cause the processor subsystem to:

receive at a server from a first user device, a first authentication token;

receive at the server from a second user device, a second authentication token, the second authentication token being different than the first authentication token;

authenticate, at the server, the user based on the first and second authentication tokens; and

establish a communication session from the server to the first user device when the user is authenticated based on the received first and second authentication tokens, wherein the communication session comprises a phone call between the user and a customer service representative.

2. The system of claim 1 , wherein the first authentication token comprises a possession-factor token indicating that the user is in possession of the first user device.

3. The system of claim 1 , wherein the first authentication token comprises a knowledge-factor token indicating that the user provided a correct knowledge-based authentication factor to the first user device.

4. The system of claim 1 , wherein the first authentication token comprises an inherent-factor token indicating that the user provided a correct inherent-based authentication factor to the first user device.

5. The system of claim 1 , wherein the second authentication token comprises a possession-factor token indicating that the user is in possession of the second user device.

6. The system of claim 1 , wherein the second authentication token comprises a knowledge-factor token indicating that the user provided a correct knowledge-based authentication factor to the second user device.

7. The system of claim 1 , wherein the second authentication token comprises an inherent-factor token indicating that the user provided a correct inherent-based authentication factor to the first second device.

8. The system of claim 1 , wherein the first and second user devices are paired.

9. The system of claim 1 , wherein the instructions to receive the second authentication token comprise instructions to:

receive the second authentication token via the first user device.

10. The system of claim 1 , wherein the second user device comprises a wearable device.

11. A method of authenticating a user, the method comprising:

receiving at a server from a first user device, a first authentication token;

receiving at the server from a second user device, a second authentication token, the second authentication token being different than the first authentication token;

authenticating, at the server, the user based on the first and second authentication tokens; and

establishing a communication session from the server to the first user device when the user is authenticated based on the received first and second authentication tokens, wherein the communication session comprises a phone call between the user and a customer service representative.

12. The method of claim 11 , wherein the first authentication token comprises a possession-factor token indicating that the user is in possession of the first user device.

13. The method of claim 11 , wherein the first authentication token comprises a knowledge-factor token indicating that the user provided a correct knowledge-based authentication factor to the first user device.

14. The method of claim 11 , wherein the first authentication token comprises an inherent-factor token indicating that the user provided a correct inherent-based authentication factor to the first user device.

15. The method of claim 11 , wherein the second authentication token comprises a possession-factor token indicating that the user is in possession of the second user device.

16. The method of claim 11 , wherein the second authentication token comprises a knowledge-factor token indicating that the user provided a correct knowledge-based authentication factor to the second user device.

17. The method of claim 11 , wherein the second authentication token comprises an inherent-factor token indicating that the user provided a correct inherent-based authentication factor to the first second device.

18. The method of claim 11 , wherein the first and second user devices are paired.

19. The method of claim 11 , wherein receiving the second authentication token comprises:

receiving the second authentication token via the first user device.

20. The method of claim 11 , wherein the second user device comprises a wearable device.

21. A non-transitory machine-readable medium comprising instructions, which when executed by a machine, cause the machine to:

receive at the machine from a first user device, a first authentication token;

receive at the machine from a second user device, a second authentication token, the second authentication token being different than the first authentication token;

authenticate, at the server, the user based on the first and second authentication tokens; and

establish a communication session from the machine to the first user device when the user is authenticated based on the received first and second authentication tokens, wherein the communication session comprises a phone call between the user and a customer service representative.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 6, 2016
From: DVORAK, MARKELL J
To: WELLS FARGO BANK, N.A.
Reel/Frame 040537/0178 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 28, 2016
From: VLTAVSKY, DOMINIK; HILL, MIRANDA C.; BREWER, GARY
To: WELLS FARGO BANK, N.A.
Reel/Frame 038109/0492 →
Cited By (6)
US 12,346,888 US 12,386,940 US 12,443,689 US 12,489,748 US 12,520,136 US 12,556,535