IP Library › Granted Patent US 12,432,202
Granted Patent B1
US 12,432,202 · App. 18/431,901 · Granted Sep 30, 2025

Authentication for application downloads

Inventors: Patrick Adam (Helotes, TX); Gabriel Carlos Fernandez (San Antonio, TX)
Assignee: United Services Automobile Association (USAA)
H04L63/0861H04L9/3226H04L63/0853H04L63/102H04L63/108H04L63/126H04L67/34
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Quick Facts
Patent No.
US 12,432,202
App. No.
18/431,901
Granted
Sep 30, 2025
Kind
B1
Abstract

Embodiments described herein disclose technology for verifying authorization of an application download. The system can receive from a device associated with a user, a request to download an application. In response to a first instance of the application being downloaded on the device, the system can assign a unique identifier to the first instance of the application. After the application is downloaded and prior to granting the person requesting the application download access to the first instance of the application, the system can request via the first instance of the application identification information and particular authentication information to verify that the person requesting the application download is authorized to do so. In response to verifying that the person requesting the application download is authorized, the unique identifier can be associated with the account, user and/or device to result in a verified download of the first instance of the application.

Claims (61)

1. A method comprising:

downloading, by a device associated with a user, an instance of an application;

in response to downloading the instance of the application and prior to receiving access to the instance of the application, receiving, by the device, a request for an image of a government-issued identification card; and

a real-time image of the user captured at a time after the request is received by the device;

sending, to an authorization system separate from the device, the image of the government-issued identification card and the real-time image of the user to:

verify an authenticity of the government-issued identification card; and

verify that a picture of a person on the image of the government-issued identification card matches the real-time image of the user;

in response to a comparison of the image of the government-issued identification card to the real-time image of the user resulting in a match, receiving access to the instance of the application,

wherein a unique identifier is assigned to the instance of the application and is associated with the device or the user; and

in response to receiving the access to the instance of the application, automatically allowing the user to use the application on the device in future sessions as an authenticated user based on the unique identifier.

2. The method of claim 1 , further comprising:

in response to receiving the access to the instance of the application, communicating as the authenticated user via the instance of the application based on the unique identifier rather than device characteristics of the device.

3. The method of claim 1 , further comprising:

in response to the user sending permission via a second instance of the application on a second device, removing the instance of the application from the device.

4. The method of claim 1 ,

wherein the government-issued identification card is associated with an identity identified by authentication information of the user, and

wherein the authentication information comprises a username and a password or a personal identification number.

5. The method of claim 1 , wherein the unique identifier assigned to the instance of the application is retired when the instance of the application has not been used in a threshold time.

6. The method of claim 4 , wherein the authentication information includes first biometric information from the user, and wherein characteristics generated from the first biometric information are compared with characteristics generated from second biometric information previously provided by the user.

7. 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 comprising:

downloading, by a device associated with a user, an instance of an application;

in response to downloading the instance of the application and prior to receiving access to the instance of the application, receiving, by the device, a request for an image of a government-issued identification card; and

a real-time image of the user captured at a time after the request is received by the device;

sending, to an authorization system separate from the device, the image of the government-issued identification card and the real-time image of the user to:

verify an authenticity of the government-issued identification card; and

verify that a picture of a person on the image of the government-issued identification card matches the real-time image of the user;

in response to a comparison of the image of the government-issued identification card to the real-time image of the user resulting in a match, receiving access to the instance of the application,

wherein a unique identifier is assigned to the instance of the application and is associated with the device or the user; and

in response to receiving the access to the instance of the application, automatically allowing the user to use the application on the device in future sessions as an authenticated user based on the unique identifier.

8. The system according to claim 7 , wherein the process further comprises:

in response to receiving the access to the instance of the application, communicating as the authenticated user via the instance of the application based on the unique identifier rather than device characteristics of the device.

9. The system according to claim 7 , wherein the process further comprises:

in response to the user sending permission via a second instance of the application on a second device, removing the instance of the application from the device.

10. The system according to claim 7 ,

wherein the government-issued identification card is associated with an identity identified by authentication information of the user, and

wherein the authentication information comprises a username and a password or a personal identification number.

11. The system according to claim 7 , wherein the unique identifier assigned to the instance of the application is retired when the instance of the application has not been used in a threshold time.

12. The system according to claim 10 , wherein the authentication information includes first biometric information from the user, and wherein characteristics generated from the first biometric information are compared with characteristics generated from second biometric information previously provided by the user.

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

downloading, by a device associated with a user, an instance of an application;

in response to downloading the instance of the application and prior to receiving access to the instance of the application, receiving, by the device, a request for an image of a government-issued identification card; and

a real-time image of the user captured at a time after the request is received by the device;

sending, to an authorization system separate from the device, the image of the government-issued identification card and the real-time image of the user to:

verify an authenticity of the government-issued identification card; and

verify that a picture of a person on the image of the government-issued identification card matches the real-time image of the user;

in response to a comparison of the image of the government-issued identification card to the real-time image of the user resulting in a match, receiving access to the instance of the application,

wherein a unique identifier is assigned to the instance of the application and is associated with the device or the user; and

in response to receiving the access to the instance of the application, automatically allowing the user to use the application on the device in future sessions as an authenticated user based on the unique identifier.

14. The non-transitory computer-readable medium of claim 13 , wherein the operations further comprise:

in response to receiving the access to the instance of the application, communicating as the authenticated user via the instance of the application based on the unique identifier rather than device characteristics of the device.

15. The non-transitory computer-readable medium of claim 13 , wherein the operations further comprise:

in response to the user sending permission via a second instance of the application on a second device, removing the instance of the application from the device.

16. The non-transitory computer-readable medium of claim 13 ,

wherein the government-issued identification card is associated with an identity identified by authentication information of the user, and

wherein the authentication information comprises a username and a password or a personal identification number.

17. The non-transitory computer-readable medium of claim 16 ,

wherein the unique identifier assigned to the instance of the application is retired when the instance of the application has not been used in a threshold time,

wherein the authentication information includes first biometric information from the user, and

wherein characteristics generated from the first biometric information are compared with characteristics generated from second biometric information previously provided by the user.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 23, 2024
From: ADAM, PATRICK; FERNANDEZ, GABRIEL CARLOS
To: UIPCO, LLC
Reel/Frame 067514/0022 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 23, 2024
From: UIPCO, LLC
To: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Reel/Frame 067514/0098 →
Continuity (3)
Continuation 17463953 · Sep 1, 2021
Continuation 16282179 · Feb 21, 2019
Provisional Application 62715681 · Aug 7, 2018
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