Patent ID: 11924203
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 7:
8. A non-transitory computer readable storage medium comprising instructions that, when executed, cause:
requesting, by a user device, an expedited logon to an online account;
receiving, by the user device in response to the request, a verification credential, wherein the verification credential is different than a previous verification credential and is configured to expire based on another user device attempting to access the online account;
pairing, by the user device, the verification credential with an authentication item, wherein the authentication item comprises user identifying information communicatively coupled to the user device;
transmitting, by the user device, the paired verification credential and authentication item; and
accessing, by the user device, the online account based on a confirmation of the paired verification credential and authentication item.