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

Claim 17:
18. A non-transitory, machine-readable medium, comprising machine-readable instructions that, when executed by one or more processors of a machine, cause the machine to:
receive an electronic notification from an account provider, wherein the electronic notification comprises an encoded account operation associated with a service provider and one or more accounts;
decode, at a user device-side, via a decryption service of a user device, the encoded account operation of the electronic notification to access information related to an account operation indicated by the encoded account operation;
authorize performance of the account operation:
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, perform, via the user device, the account operation using the information from the electronic notification.