# US 11,444,953 B2 · Methods, systems, apparatuses and devices for facilitating security of a resource using a plurality of credentials > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,444,953 B2 - Document ID: US11444953B2 - Status: Granted - Kind: B2 - Application number: 16/541,426 - Filed: 2019-08-15 - Published: 2020-06-11 - Granted: 2022-09-13 - Earliest claimed: 2018-12-06 - Applicants: Dharmesh Naik - Inventors: Dharmesh Naik - Web page: https://patentgrep.com/patent/US11444953B2 ## CPC - H04L 63/105: {Multiple levels of security} - H04L 63/08: {for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32)} - H04W 12/06: Authentication - H04L 63/107: {wherein the security policies are location-dependent, e.g. entities privileges depend on current location or allowing specific operations only from locally connected terminals} - H04L 63/108: {when the policy decisions are valid for a limited amount of time} - H04L 2463/082: applying multi-factor authentication - H04W 12/61: Time-dependent - H04W 12/63: Location-dependent; Proximity-dependent - H04W 12/67: Risk-dependent, e.g. selecting a security level depending on risk profiles - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## 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. ## Claims ### Claim 1 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. ### Claim 2 (depends on 1) The method of claim 1, wherein the resource comprises at least one of an email account, an e-wallet, a website, an E-vault, and a bank account. ### Claim 3 (depends on 1) The method of claim 1, wherein the one or more services comprises at least one of accessing emails, and transaction of assets. ### Claim 4 (depends on 1) The method of claim 1 further comprising: receiving, using the communication device, the secondary credential from the user device; and limiting, using the processing device, an accessibility to the one or more services of the resource based on the receiving. ### Claim 5 (depends on 4) The method of claim 4 further comprises initiating, using the processing device, an implicit communication with at least one authorized device based on the limiting, wherein the at least one authorized device is operated by at least one appropriate authority. ### Claim 6 (depends on 1) The method of claim 1, wherein the stored contextual data comprises at least one of the primary contextual data, and the secondary contextual data. ### Claim 7 (depends on 1) The method of claim 1, wherein the level of access comprises at least one of a full access to the one or more services, a limited access to the one or more services, and a no access to the one or more services. ### Claim 8 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. ### Claim 9 (depends on 8) The system of claim 8, wherein the resource comprises at least one of an email account, an e-wallet, a website, an E-vault, and a bank account. ### Claim 10 (depends on 8) The system of claim 8, wherein the one or more services comprises at least one of accessing emails, and transaction of assets. ### Claim 11 (depends on 8) The system of claim 8, wherein the communication device is further configured for receiving the secondary credential from the user device; and the processing device is further configured for limiting an accessibility to the one or more services of the resource based on the receiving. ### Claim 12 (depends on 11) The system of claim 11, wherein the processing device is further configured for initiating an implicit communication with at least one authorized device based on the limiting, wherein the at least one authorized device is operated by at least one appropriate authority. ### Claim 13 (depends on 8) The system of claim 8, wherein the stored contextual data comprises at least one of the primary contextual data, and the secondary contextual data. ### Claim 14 (depends on 8) The system of claim 8, wherein the level of access comprises at least one of a full access to the one or more services, a limited access to the one or more services, and a no access to the one or more services.