Patent ID: 11900450
Assignee: WELLS FARGO BANK, N.A.
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 18:
19. A first device comprising:
one or more network interfaces configured to communicate with one or more other devices;
one or more user interfaces configured to receive inputs from a first user of the first device and provide outputs to the first user; and
one or more processors configured to:
receive sounds captured using a first audio sensor of the first device, the sounds indicating that the first user and a second user of a second device are participating in a telephone conversation;
analyze, using a digital signal processor of the one or more processors, the captured sounds to detect a sound signature corresponding to an adverse health event of the first user or the second user to generate an authentication circle that includes the first user and the second user as members, the sound signature detected by detecting an unexpected silence during the telephone conversation while the first user or the second user is speaking, wherein the authentication circle is proposed for assistance of the first user or the second user experiencing the adverse health event;
determine, via the one or more network interfaces, that that the first device is near a second device of the second user based on direct radio-frequency communication between the first device and the second device;
prompt, via the one or more user interfaces, responsive to determining that the first device is near the second device, the first user to request the second user to be a second member of the authentication circle that includes the first user as a first member;
accept, via the one or more user interfaces, an affirmative response to the request;
transmit, via the one or more network interfaces, an indication of the affirmative response to a service provider computing system that administers the authentication circle;
determine that a first account of the registered first user is to be linked to the authentication circle, the determination indicating that only a subset of first account data of the first account is to be linked to the authentication circle;
link, via the one or more user interfaces, the first account to the authentication circle such that only the subset of the first account data is retrievable via the authentication dashboard using a login credential of the second user, such that the subset of the first account data is assigned to the login credential of the second user;
transmit, via the one or more network interfaces to the service provider computing system, first account data corresponding to the linked first account; and
transmit, via the one or more network interfaces to the service provider computing system, a first permission definition defining a subset of the first account data that is accessible via the login credential.