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1. 发明授权

US11159505B1 Scalable risk-based authentication methods and systems 有权
公开(公告)号：US11159505B1
公开(公告)日：2021-10-26
申请号：US16536080
申请日：2019-08-08
申请人： United Services Automobile Association (USAA)
发明人： Michael W. Lester , Debra Randall Casillas , Richard A. Davey , Michael Frank Morris , Maland Keith Mortensen , John David Row , Thomas Bret Buckingham , Tammy Sanclemente
IPC分类号： G06F19/00 , H04L29/06
摘要： The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.

2. 发明授权

US10708264B1 Systems and methods for secure logon 有权
公开(公告)号：US10708264B1
公开(公告)日：2020-07-07
申请号：US16398072
申请日：2019-04-29
申请人： United Services Automobile Association (USAA)
发明人： Thomas B. Buckingham , Richard A. Davey , Tammy Sanclemente , Ryan M. Johnson , Adam J. Leatham , Christopher Thomas Wilkinson
IPC分类号： G06F21/31 , H04L29/06 , H04L9/32 , G06F21/41 , G06F21/34
摘要： The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.

3. 发明授权

US10320783B1 Systems and methods for secure logon 有权
公开(公告)号：US10320783B1
公开(公告)日：2019-06-11
申请号：US15877377
申请日：2018-01-22
申请人： United Services Automobile Association (USAA)
发明人： Thomas B. Buckingham , Richard A. Davey , Tammy Sanclemente , Ryan M. Johnson , Adam J. Leatham , Christopher Thomas Wilkinson
IPC分类号： H04L29/06 , G06F21/41 , H04L9/32 , G06F21/31
摘要： The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.

4. 发明授权

US11212278B1 Systems and methods for secure logon 有权
公开(公告)号：US11212278B1
公开(公告)日：2021-12-28
申请号：US16887891
申请日：2020-05-29
申请人： United Services Automobile Association (USAA)
发明人： Thomas B. Buckingham , Richard A. Davey , Tammy Sanclemente , Ryan M. Johnson , Adam J. Leatham , Christopher Thomas Wilkinson
IPC分类号： H04L29/06 , H04L9/32 , G06F21/34 , G06F21/41 , G06F21/31
摘要： The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.

5. 发明授权

US10671715B1 Quick-logon for computing device 有权
公开(公告)号：US10671715B1
公开(公告)日：2020-06-02
申请号：US16355099
申请日：2019-03-15
申请人： United Services Automobile Association (USAA)
发明人： Richard A. Davey , Wilbert Bennett, Jr.
IPC分类号： G06F21/31 , G06F21/32 , G06F21/42
摘要： Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system can use a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.

6. 发明授权

US10402803B1 Initiating a kiosk transaction 有权
公开(公告)号：US10402803B1
公开(公告)日：2019-09-03
申请号：US14691101
申请日：2015-04-20
申请人： United Services Automobile Association (USAA)
发明人： Bharat Prasad , Richard A. Davey
IPC分类号： G06Q20/18 , G06Q20/20 , G06Q20/40
摘要： A method of initiating a banking transaction at a banking terminal is provided. The method includes optically capturing machine readable identification data of the banking terminal by a mobile device of a customer. A terminal identifier of the banking terminal is determined based on the machine readable identification data. Account information and the terminal identifier are transmitted from the mobile device for delivery to a server. The account information is associated with the customer and stored in the mobile device. The method also includes the step of transmitting the account information from the server to the banking terminal using the terminal identifier and receiving a customer transaction request from the customer at the banking terminal.

7. 发明授权

US09010627B1 Initiating a kiosk transaction 有权
标题翻译：启动信息亭交易
公开(公告)号：US09010627B1
公开(公告)日：2015-04-21
申请号：US13627874
申请日：2012-09-26
申请人： United Services Automobile Association (USAA)
发明人： Bharat Prasad , Richard A. Davey
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/02
摘要： A method of initiating a banking transaction at a banking terminal is provided. The method includes optically capturing machine readable identification data of the banking terminal by a mobile device of a customer. A terminal identifier of the banking terminal is determined based on the machine readable identification data. Account information and the terminal identifier are transmitted from the mobile device for delivery to a server. The account information is associated with the customer and stored in the mobile device. The method also includes the step of transmitting the account information from the server to the banking terminal using the terminal identifier and receiving a customer transaction request from the customer at the banking terminal.
摘要翻译：提供了一种在银行终端启动银行交易的方法。该方法包括通过客户的移动设备光学捕获银行终端的机器可读标识数据。基于机器可读标识数据确定银行终端的终端标识符。帐号信息和终端标识符从移动设备传送到服务器。帐户信息与客户相关联并存储在移动设备中。该方法还包括使用终端标识从客户端向银行终端发送帐户信息的步骤，并从银行终端处的客户接收客户交易请求。

8. 发明授权

US11210382B1 Quick-logon for computing device 有权
公开(公告)号：US11210382B1
公开(公告)日：2021-12-28
申请号：US16888433
申请日：2020-05-29
申请人： United Services Automobile Association (USAA)
发明人： Richard A. Davey , Wilbert Bennett, Jr.
IPC分类号： G06F21/31 , G06F21/32 , G06F21/42
摘要： Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system can use a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.

9. 发明授权

US10432605B1 Scalable risk-based authentication methods and systems 有权
公开(公告)号：US10432605B1
公开(公告)日：2019-10-01
申请号：US16160797
申请日：2018-10-15
申请人： United Services Automobile Association (USAA)
发明人： Michael W. Lester , Debra Randall Casillas , Richard A. Davey , Michael Frank Morris , Maland Keith Mortensen , John David Row , Thomas Bret Buckingham , Tammy Sanclemente
IPC分类号： G06F19/00 , H04L29/06
摘要： The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.

10. 发明授权

US10282531B1 Quick-logon for computing device 有权
公开(公告)号：US10282531B1
公开(公告)日：2019-05-07
申请号：US15442826
申请日：2017-02-27
申请人： United Services Automobile Association (USAA)
发明人： Richard A. Davey , Wilbert Bennett, Jr.
IPC分类号： G06F21/31 , G06F21/32 , G06F21/42
摘要： Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system can use a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.

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