Patent ID: 9419956
Filing Date: 2016-08-16
CPC Classification: G06F,G06Q,H04L

Claim Text:
1. A method for providing efficient authentication of a user desiring access to account information maintained by a financial institution, the method comprising: determining a time of validation of primary authentication; receiving a user request for access to account information using the primary authentication; determining whether a predetermined period of time has lapsed since the time of validation of primary authentication; in response to determining that the predetermined period of time has lapsed since the time of validation of primary authentication, prompting the user for new user authentication information; receiving, via a web-enabled device associated with the user, the new user authentication information from the user; communicating, from the web-enabled device, the new user authentication information to a financial institution server; receiving, at the web-enabled device, validation of the new primary authentication from the financial institution server; and in response to receiving the validation of the new primary authentication from the financial institution server, storing, at the web-enabled device, the new user authentication information in one or more user profiles associated with the user; in response to receiving the validation of the new primary authentication from the financial institution server: retrieving the new user authentication information including verification of previously validated new primary authentication from the one or more user profiles stored on the web-enabled device when the user desires access to the account information within the predetermined period of time from the validation of the new primary authentication; verifying, at the web-enabled device, the identity of the user, thereby establishing secondary authentication at the web-enabled device by verifying the identity of the user without accessing the financial institution server, when the user desires access to the account information within the predetermined period of time from the validation of the new primary authentication, wherein establishing the secondary authentication further comprises: connecting the web-enabled device to the financial institution server, in response to establishing the secondary authentication; and conducting, using the web-enabled device, one or more account information transactions with the financial institution server, in response to establishing the secondary authentication.