Patent ID: 11954674
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 13:
14. A system comprising:
an identity provider computing system communicatively coupled to a user device and a third party provider computing system, the identity provider computing system including at least one processor and at least one memory having instructions thereon that, when executed by the at least one processor, cause the identity provider computing system to:
receive a user token from the third party provider computing system, wherein the user token is associated with a user of the identity provider computing system;
send a prompt to the user device associated with the user token, the prompt requesting authentication information;
authenticate the user token based on receipt of the requested authentication information;
receive user device information from the third party provider computing system;
identify related user activity based on the user device information; and
authenticate the user based on authentication of the user token and the related user activity indicating that the user used the user device in another authenticated transaction within a past predefined time period.