Patent ID: 11935018
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 9:
10. A system, comprising:
a computing device associated with a service provider; and
a user device configured to perform a user-device-side authenticated remote account operation, by:
receiving an electronic notification from an account provider in response to the user device being authorized, the electronic notification comprising an encoded account operation;
decoding, via a decryption service of the user device, the encoded account operation of the electronic notification to access information related to one or more outstanding account operations between one or more accounts associated with the user device and the service provider;
authorizing performance of the one or more outstanding account operations:
based upon the user device having the electronic notification and being able to decode the encoded account operation; and
independent from additional authentication subsequent to the decoding; and

in response to authorizing the performance, performing the one or more outstanding account operations using the information from the electronic notification.