Patent ID: 11882103
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC H

Claim 11:
12. A non-transitory machine-readable memory having stored thereon machine-executable instructions that, when executed by one or more processors, cause the one or more processors to perform a process comprising:
receive information regarding a user requested activity;
determine, by an authentication coordinator, whether the user requested activity requires an authentication based on where the information regarding the user requested activity is stored;
in response to a determination that the user requested activity requires the authentication, determine multiple authentication challenges for a user based on the user requested activity;
request the user to provide authentication information in a single response to the authentication challenges, wherein the authentication information associated with the single response satisfies a level of authentication;
select one or more of the authentication challenges having at most the level of authentication; and
authenticate the user based on the single response for actions associated with the selected one or more of the authentication challenges.