IP Library Granted Patent US 11,201,862
Granted Patent B1
US 11,201,862 · App. 16/784,087 · Granted Dec 14, 2021

Public authentication systems and methods

Inventors: Bharat Prasad (San Antonio, TX); Charles Lee Oakes, III (Boerne, TX); Gunjan C. Vijayvergia (San Antonio, TX); Vijay Jayapalan (San Antonio, TX); Thomas Bret Buckingham (Fair Oaks Ranch, TX)
Assignee: United Services Automobile Association (USAA)
H04L63/0853G06Q20/10H04L63/083H04L63/0861H04L63/0876H04L63/102H04L2463/082
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Quick Facts
Patent No.
US 11,201,862
App. No.
16/784,087
Granted
Dec 14, 2021
Kind
B1
Abstract

Techniques provided herein relate to electronic authentication on public systems. A backend system receives at least one electronic data action request from a publicly available client system that is shared amongst a plurality of users. At least a portion of the primary authentication information is received from a secondary device separate from the publicly available client system. The electronic data action request is authenticated by determining if the primary authentication information matches expected primary authentication information that is expected to complete the electronic data action request. Performance of the electronic data action request is facilitated when the primary authentication information matches the expected primary authentication information.

Claims (37)

1. A system, comprising:

a backend system configured to:

receive a first request to facilitate an electronic data action request from a client system;

receive primary authentication information associated with a user from the client system;

identify a block chain associated with the user based on the primary authentication information, wherein the block chain comprises information regarding a pairing between a secondary device and the client system;

determine whether secondary authentication information from the secondary device has been received via the client system;

send a second request to the client system to perform an operation to pair the secondary device to the client system in response to the secondary authentication information not being received; and

perform the electronic data action request in response to the secondary authentication information being received.

2. The system of claim 1 , wherein the primary authentication information comprises a username and a password.

3. The system of claim 1 , wherein the secondary authentication information comprises a cookie, a token, a characteristic associated with the secondary device, or any combination thereof.

4. The system of claim 3 , wherein the characteristic comprises a media access control (MAC) address associated with the secondary device.

5. The system of claim 3 , wherein the characteristic comprises a location associated with the secondary device.

6. The system of claim 1 , wherein the backend system is configured to authenticate the secondary authentication information based on the block chain.

7. The system of claim 1 , wherein the backend system is configured to send a third request to the secondary device to perform an additional operation to pair the secondary device to the client system in response to the secondary authentication information not being received.

8. The system of claim 1 , wherein the electronic data action request comprises a request to access user-specific financial records.

9. The system of claim 1 , wherein the secondary device comprises a smart phone, a vehicle, a wearable device, or a home automation system.

10. The system of claim 1 , wherein the backend system is configured to access the block chain using a public key or a private key associated with the client system.

11. A method, comprising:

sending, via a processor, a first request to facilitate an electronic data action request to a backend system;

sending, via the processor, primary authentication information associated with a user to the backend system;

identifying, via the processor, a secondary device associated with the user based on a block chain associated with the user and the primary authentication information;

pairing, via the processor, with the secondary device; and

sending, via the processor, a command to the secondary device to send secondary authentication information to a backend system after the secondary device has been paired to the processor, wherein the backend system is configured to perform the electronic data action request in response to the secondary authentication information being received by the backend system.

12. The method of claim 11 , wherein the secondary authentication information comprises a media access control (MAC) address of the secondary device.

13. The method of claim 11 , wherein the primary authentication information comprises biometric information obtained via one or more sensors of the secondary device.

14. The method of claim 11 , wherein the secondary device comprises a smart phone, a vehicle, a wearable device, or a home automation system.

15. A tangible, non-transitory, machine-readable medium, comprising machine-readable instructions that, when executed, cause a processor to perform operations comprising:

receiving a first request to facilitate an electronic data action request from a client system;

receiving primary authentication information associated with a user from the client system;

identifying a block chain associated with the user based on the primary authentication information, wherein the block chain comprises information regarding a pairing between a plurality of secondary devices and the client system;

determining whether secondary authentication information has been received from at least one of the plurality of secondary devices; and

performing the electronic data action request in response to the secondary authentication information being received from the at least one of the plurality of secondary devices.

16. The machine-readable medium of claim 15 , wherein the plurality of secondary devices comprises a smart phone, a vehicle, a wearable device, a home automation system, or any combination thereof.

17. The machine-readable medium of claim 15 , wherein the primary authentication information comprises a username and a password.

18. The machine-readable medium of claim 17 , comprising instructions that, when executed, are configured to cause the processor to further perform the operations comprising rendering a graphical user interface configured to prompt the user to enter the username and the password.

19. The machine-readable medium of claim 15 , comprising instructions that, when executed, are configured to cause the processor to further perform operations comprising determining a confidence factor for authenticating the user based on a number of plurality of secondary devices.

20. The machine-readable medium of claim 15 , wherein the primary authentication information comprises biometric information obtained via one or more sensors.

Continuity (5)
Continuation 16228421 · Dec 20, 2018
Continuation 15365520 · Nov 30, 2016
Provisional Application 62262215 · Dec 2, 2015
Provisional Application 62262224 · Dec 2, 2015
Provisional Application 62262231 · Dec 2, 2015
Cited By (1)
US 12,481,734