Wells Fargo Bank, N.A. (20240211560). APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROACTIVE OFFLINE AUTHENTICATION simplified abstract

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APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROACTIVE OFFLINE AUTHENTICATION

Organization Name

Wells Fargo Bank, N.A.

Inventor(s)

Peter Bordow of Fountain Hills AZ (US)

Jeff J. Stapleton of O'Fallon MO (US)

Ramesh Yarlagadda of Charlotte NC (US)

APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROACTIVE OFFLINE AUTHENTICATION - A simplified explanation of the abstract

This abstract first appeared for US patent application 20240211560 titled 'APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROACTIVE OFFLINE AUTHENTICATION

Simplified Explanation: The patent application describes a method, apparatus, and computer program product for proactive offline authentication. This involves determining the offline and online conditions of a computing device, generating authentication tokens based on user attributes, and authenticating the user device with the computing device.

  • **Key Features and Innovation:**
   - Determining offline and online conditions of a computing device.
   - Generating authentication tokens based on user attributes.
   - Authenticating user devices with the computing device.
  • **Potential Applications:**
   - Secure access control systems.
   - Identity verification processes.
   - User authentication in various digital platforms.
  • **Problems Solved:**
   - Enhancing security measures for offline authentication.
   - Streamlining the authentication process for users.
   - Improving the accuracy of user verification.
  • **Benefits:**
   - Increased security for user data.
   - Simplified authentication procedures.
   - Enhanced user experience in digital interactions.
  • **Commercial Applications:**
   - Secure login systems for online platforms.
   - Identity verification services for financial institutions.
   - Access control solutions for corporate environments.
  • **Prior Art:**
   - Further research can be conducted on existing offline authentication methods and technologies to compare with the innovation presented in this patent application.
  • **Frequently Updated Research:**
   - Stay updated on advancements in offline authentication technologies and user verification methods to enhance the effectiveness of the described innovation.

Questions about Offline Authentication: 1. How does proactive offline authentication differ from traditional online authentication methods? 2. What are the potential implications of implementing proactive offline authentication in various industries?


Original Abstract Submitted

a method, apparatus, and computer program product for proactive offline authentication are provided. an example method includes determining a current offline condition of a computing device at a first time and determining a prior online condition of the computing device at a second time that is earlier than the first time at which the computing device generated second authentication credentials based upon one or more user attributes obtained from a digital identity construct database associated with a first user at the second time. the method further includes obtaining, at the first time, first authentication credentials associated with the first user and determining a discrepancy between the first and the second authentication credentials. in response to the determined discrepancy, the method includes generating an authentication token based upon the second authentication credentials for authenticating a first user device of the first user with the computing device.

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