Patent ID: 11924201
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 14:
15. A mobile device comprising:
one or more processors; and
a non-transitory computer-readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the mobile device to:
in response to a request by a requestor, download a first instance of an application to a mobile device associated with a user;
assign a unique identifier to the first instance of the application;
after the application is downloaded and prior to allowing the user to access the first instance of the application, request authentication information to verify the user, wherein the authentication information comprises:
an image of a government-issued identification card; and
a real-time image of the requestor captured at a time after the authentication information is requested;

compare a picture on the image of the government-issued identification card with the real-time image of the requestor to verify that the requestor is the user;
allow the user to access the first instance of the application in response to verifying that the requestor is the user; and
retiring the unique identifier assigned to the first instance of the application when the first instance of the application has not been used in a threshold period.