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

Claim 0:
1. A method, comprising:
receiving, via a user device, an electronic notification from an account provider, wherein the electronic notification comprises an encoded account operation associated with a service provider remote to the user device in response to the user device being authorized by the service provider; and
performing, the account operation remote to the user device conditioned on user-device-side authentication, by:
decoding, via a decryption service of the user device, the encoded account operation of the electronic notification to access information related to an account operation indicated by the encoded account operation; and
performing, via the user device, the account operation using the information from the electronic notification, the performing authorized:
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.