18519956. LOGIN AND AUTHENTICATION METHODS AND SYSTEMS simplified abstract (Wells Fargo Bank, N.A.)

LOGIN AND AUTHENTICATION METHODS AND SYSTEMS

Organization Name

Wells Fargo Bank, N.A.

Inventor(s)

Mark David Castonguay of San Francisco CA (US)

Upul D. Hanwella of San Francisco CA (US)

Bryan Hall of Charlotte NC (US)

Nicola A. Maiorana of Charlotte NC (US)

David Lerner of San Francisco CA (US)

LOGIN AND AUTHENTICATION METHODS AND SYSTEMS - A simplified explanation of the abstract

This abstract first appeared for US patent application 18519956 titled 'LOGIN AND AUTHENTICATION METHODS AND SYSTEMS

Simplified Explanation

The patent application discusses systems, methods, and apparatuses for authenticating requests to access accounts over a network using authenticity evaluations of multiple automated decision engines.

• Multiple decision engines evaluate login requests with different rulesets.
• Evaluations from multiple engines determine if the login request is allowed to proceed.
• Additional challenge questions may be used for further authentication.
• User identity validation is required before access to the account is authorized.

Potential Applications

This technology can be applied in various industries such as banking, e-commerce, healthcare, and government services where secure access to accounts is crucial.

Problems Solved

1. Enhanced security: By using multiple decision engines for authentication, the system can provide a higher level of security against unauthorized access. 2. Improved user experience: The use of challenge questions can add an extra layer of security without causing significant inconvenience to the user.

Benefits

1. Increased security: By combining evaluations from multiple engines, the system can better detect fraudulent login attempts. 2. User-friendly authentication: The use of challenge questions provides an additional layer of security without complicating the login process for legitimate users.

Potential Commercial Applications

"Enhanced Account Authentication Technology for Secure Access" can be utilized by banks, e-commerce platforms, healthcare providers, and government agencies to enhance the security of their online account access systems.

Possible Prior Art

One possible prior art for this technology could be the use of multi-factor authentication systems that require users to provide multiple forms of verification before accessing their accounts.

How does this technology compare to traditional single-engine authentication systems?

This technology offers a higher level of security by using multiple decision engines for authentication, which can potentially reduce the risk of unauthorized access compared to traditional single-engine systems.

What are the potential limitations of using multiple decision engines for authentication?

One potential limitation could be the increased complexity of the system, which may require more resources and maintenance to ensure all decision engines are functioning correctly and providing accurate evaluations.

Original Abstract Submitted

Systems, methods, and apparatuses for authenticating requests to access one or more accounts over a network using authenticity evaluations of two or more automated decision engines are discussed. A login request for access to a user account may be submitted to multiple decision engines that each apply different rulesets for authenticating the login request, and output an evaluation of the authenticity of the login request. Based on evaluations from multiple automated decision engines, the login request may be allowed to proceed to validation of user identity and, if user identity is validated, access to the user account may be authorized. Based on the evaluations, the login attempt may also be rejected. One or more additional challenge question may be returned to the computing device used to request account access, and the login request allowed to proceed to validation of identity if the response to the challenge question is deemed acceptable.