Patent ID: 11954674
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 7:
8. A method comprising:
providing, by an identity provider computing system, an account to a user of the identity provider computing system;
receiving, by the identity provider computing system, a user token from a third party provider, wherein the user token is associated with the user;
sending, by the identity provider computing system, a prompt to a user device associated with the user token, the prompt requesting authentication information and including a request for the user to authenticate to the account;
authenticating, by the identity provider computing system, the user token based on receipt of the requested authentication information and the user authenticating to the account;
identifying, by the identity provider computing system, related user activity associated with the user device; and
authenticating, by the identity provider computing system, the user based on authentication of the user token and the related user activity indicating that the user used the user device in another authenticated transaction within a past predefined time period.