Granted Patent B1

US 12,380,451 · App. 18/472,086 · Granted Aug 5, 2025

Inventor: Ryan Fillinger (Prosper, TX)

Assignee: United Services Automobile Association (USAA)

G06Q20/40145G06F21/32G06V40/70H04L63/0861H04W12/06

Abstract

Claims (59)

1. A computer-implemented method executed by processing circuitry, the method comprising:

transmitting, by the processing circuitry in response to initiation of a transaction, push notification data to a computing device while a mobile application of a financial service on the computing device is not open, wherein:

the mobile application is configured to receive user authorization to authorize the transaction while the mobile application is open;

the push notification data is configured to cause the computing device to display a push notification on an electronic display of the computing device; and

the push notification, when displayed on the electronic display, comprises a user interface (UI) element configured to receive an input associated with an approval of the transaction, wherein the input is received via a user interaction with the push notification on the computing device and without opening the mobile application;

receiving, by processing circuitry, biometric data collected during the user interaction with the push notification;

receiving, by the processing circuitry, heartbeat data from a wearable device different from the computing device in response to receiving the input;

determining, by the processing circuitry, that a user providing the input is authenticated at least partially based on the biometric data and the heartbeat data;

inducing, by processing circuitry, execution of the transaction in response to determining that the user is authenticated; and

transmitting, by the processing circuitry, a notification of the transaction being executed to the computing device.

2. The method of claim 1 , wherein the input comprises a tactile input or a verbal input.

3. The method of claim 2 , wherein:

the input comprises the tactile input; and

the biometric data comprises fingerprint data.

4. The method of claim 2 , wherein:

the input comprises the verbal input; and

the biometric data comprises voice data.

5. The method of claim 1 , wherein the computing device is configured to generate a visualization for display via the electronic display based on the notification of the transaction being executed, wherein the visualization comprises an indication that the user is authenticated, the transaction is executed, or both.

6. The method of claim 1 , wherein the heartbeat data is collected from the wearable device by the computing device in response to receiving the input.

7. The method of claim 1 , wherein the transaction comprises a financial transaction.

8. The method of claim 1 , wherein, when displayed on the electronic display, the push notification comprises a second UI element configured to activate the mobile application to view the transaction.

9. A system comprising:

a data store for storing data; and

processing circuitry configured to execute computer-readable instructions to perform operations comprising:

transmitting, in response to initiation of a transaction, push notification data to a computing device while a mobile application of a financial service on the computing device is not open, wherein:

the mobile application is configured to receive user authorization to authorize the transaction while the mobile application is open;

the push notification data is configured to cause the computing device to display a push notification on an electronic display of the computing device; and

the push notification, when displayed on the electronic display, comprises a user interface (UI) element configured to receive an input associated with an approval of the transaction, wherein the input is received via a user interaction with the push notification on the computing device and without opening the mobile application;

receiving biometric data collected during the user interaction with the push notification;

receiving heartbeat data collected from a wearable device different from the processing circuitry in response to receiving the input;

determining that a user providing the input is authenticated at least partially based on the biometric data and the heartbeat data;

inducing execution of the transaction in response to determining that the user is authenticated; and

transmitting a notification of the transaction being executed to the computing device.

10. The system of claim 9 , wherein the push notification comprises a second UI element configured to activate the mobile application to view the transaction when the push notification is displayed on the electronic display.

11. The system of claim 9 , wherein the operations further comprise receiving additional biometric data, wherein the user is authenticated based on the additional biometric data.

12. The system of claim 11 , wherein the additional biometric data is collected by the computing device after the computing device acquires the input.

13. The system of claim 11 , wherein:

the biometric data comprises fingerprint data or voice data; and

the additional biometric data comprises facial data or heartbeat data.

14. A non-transitory computer-readable storage medium coupled to one or more processors and having instructions stored thereon that, when executed by the processing circuitry, cause the processing circuitry to perform operations comprising:

transmitting, in response to initiation of a transaction, push notification data to a computing device while a mobile application of a financial service on the computing device is not open, wherein:

the mobile application is configured to receive user authorization to authorize the transaction while the mobile application is open;

the push notification data is configured to cause the computing device to display a push notification on an electronic display of the computing device; and

the push notification, when displayed on the electronic display, comprises a user interface (UI) element configured to receive an input associated with an approval of the transaction, wherein the input is received via a user interaction with the push notification on the computing device and without opening the mobile application;

receiving biometric data collected during the user interaction with the push notification;

receiving heartbeat data collected from a wearable device different from the processing circuitry in response to receiving the input;

determining that a user providing the input is authenticated at least partially based on the biometric data comprising the heartbeat data;

inducing execution of the transaction in response to determining that the user is authenticated; and

transmitting a notification of the transaction being executed to the computing device.

15. The non-transitory computer-readable storage medium of claim 14 , wherein the operations further comprise receiving additional biometric data, wherein determining that the user is authenticated is further based on the additional biometric data.

16. The non-transitory computer-readable storage medium of claim 15 , wherein the additional biometric data comprises facial data.

17. The non-transitory computer-readable storage medium of claim 15 , wherein determining that the user providing the input is authenticated comprises:

determining a first score associated with a first similarity between the biometric data and a first ground truth associated with the user;

determining a second score associated with a similarity between the additional biometric data and a second ground truth associated with the user;

combining the first score and the second score to determine a combined score; and

determining that the user is authenticated in response to the combined score exceeding a threshold.

18. The non-transitory computer-readable storage medium of claim 14 , wherein:

the input comprises a tactile input or a verbal input; and

the biometric data comprises fingerprint data or voice data.

Assignments (2)

Continuity (2)

References Cited (105)