US 11,444,953 B2Granted

Methods, systems, apparatuses and devices for facilitating security of a resource using a plurality of credentials

OwnerDharmesh Naikinventor

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Abstract

Disclosed herein is a system for facilitating security of a resource using a plurality of credentials, in accordance with some embodiments. Accordingly, the system may include a communication device configured for receiving a user credential associated with a user from a user device to access one or more services of the resource, and obtaining a current contextual data from the user device. Further, the system may include a storage device configured for retrieving a stored contextual data and a stored credential associated with the user from a database. Further, the system may include a processing device configured for comparing the user credential with the stored credential, analyzing the current contextual data and the stored contextual data, and authenticating the user device based on the comparing and the analyzing to determine a level of access to the one or more services of the resource by the user device.

Claims14

Dependent claims

A method for facilitating security of a resource using a plurality of credentials, the method comprising:

receiving, using a communication device, a user credential associated with a user from a user device to access one or more services of the resource, wherein the resource comprises a single financial account;
obtaining, using the communication device, a current contextual data from the user device;
retrieving, using a storage device, a stored contextual data and a stored credential associated with the user from a database;
comparing, using a processing device, the user credential with the stored credential;
analyzing, using the processing device, the current contextual data and the stored contextual data;
authenticating, using the processing device, the user device based on the comparing and the analyzing to determine a level of access to the one or more services of the resource by the user device;
wherein the stored credential comprises at least one of a primary credential and a secondary credential;
wherein the user is provided a full access to the one or more services if only the primary credential is received from the user device without receiving the secondary credential, wherein the user is provided a limited access to the one or more services if only the secondary credential is received from the user device without receiving the primary credential;
restricting, using the processing device, the user from transferring an electronic fund above a threshold amount out of the single financial account if the secondary credential is received, and if the user credential is associated with the single financial account, wherein the threshold amount is set by the user;
outputting, using the communication device, a modified financial account balance if the secondary credential is received, and if the user credential is associated with the single financial account;
receiving, using the communication device, the primary credential and a primary contextual data from the user device;
mapping, using the processing device, the primary credential with the primary contextual data;
receiving, using the communication device, the secondary credential and a secondary contextual data from the user device;
mapping, using the processing device, the secondary credential with the secondary contextual data;
generating, using the processing device, a single user account associated with the user based on the mapping;
and
storing, using the storage device, the single user account in a database.

14 more elements

A system for facilitating security of a resource using a plurality of credentials, the system comprising:

a communication device configured for:
receiving a user credential associated with a user from a user device to access one or more services of the resource,
wherein the resource comprises a single financial account;
and
obtaining a current contextual data from the user device;
a storage device configured for retrieving a stored contextual data and a stored credential associated with the user from a database;
and
a processing device configured for:
comparing the user credential with the stored credential;
analyzing the current contextual data and the stored contextual data;
authenticating the user device based on the comparing and the analyzing to determine a level of access to the one or more services of the resource by the user device;
wherein the stored credential comprises at least one of a primary credential and a secondary credential;
wherein the user is provided a full access to the one or more services if only the primary credential is received from the user device, wherein the user is provided a limited access to the one or more services if only the secondary credential is received from the user device;
restricting, using the processing device, the user from transferring an electronic fund above a threshold amount out of the single financial account if the secondary credential is received, and if the user credential is associated with the single financial account, wherein the threshold amount is set by the user;
outputting, using the communication device, a modified financial account balance if the secondary credential is received, and if the user credential is associated with the single financial account;
receiving, using the communication device, the primary credential and a primary contextual data from the user device;
mapping, using the processing device, the primary credential with the primary contextual data;
receiving, using the communication device, the secondary credential and a secondary contextual data from the user device;
mapping, using the processing device, the secondary credential with the secondary contextual data;
generating, using the processing device, a single user account associated with the user based on the mapping;
and
storing, using the storage device, the single user account in a database.

19 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/541,426Filed 15 Aug 2019 · us provisional application
Priority: 6 Dec 2018
Published: US 2020/0186535 A111 Jun 2020
Granted: 13 Sep 2022
Term ends: Not estimatedThe source records don’t support an estimate.

Classification11 codes

H04L 63/105
For controlling access to devices or network resources: multiple levels of security
H04L 63/08
Network architectures or network communication protocols for network security: for authentication of entities
H04W 12/06
Security arrangements; Authentication; Protecting privacy or anonymity: authentication
H04L 63/107
For controlling access to devices or network resources: wherein the security policies are location-dependent, e.g. entities privileges depend on…

Family

Application62/776,052Us provisional application · filed 6 Dec 2018
US 2020/0186535 A1Pre-grant publication · published 11 Jun 2020
US 11,444,953 B2This patent

From the US filing history. Foreign family members aren’t listed.

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