Patent ID: 11963005
Assignee: PAYPAL, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 5:
6. A method comprising:
determining that a user request received from a first user device via a first communication medium is for accessing a user account;
providing, via an interface of the first user device, an authentication request for accessing the user account, wherein the authentication request comprises a challenge;
determining that a response to the challenge received via the interface matches a stored response;
authenticating, based on the determining that the response to the challenge matches the stored response, a user of the first user device for accessing the user account via the first communication medium, wherein the user is not authenticated for accessing the user account via a second communication medium;
receiving, from a second user device, a request communication from the user via the second communication medium;
determining that the communication from the user via the second communication medium is associated with the user account based on a device identifier of the second user device;
receiving, through an interaction with the user via the second communication medium, an indication for processing a transaction with the user account, wherein the processing the transaction requires authentication to access the user account via the second communication medium; and
providing the user access to the user account via the second communication medium based on authentication data associating with the authenticating the user and the device identifier of the second user device used by the user to conduct the interaction via the second communication medium.