US Patent Issued to U.S. Bank National Association on July 15 for "Authentication with dynamic user identification" (Illinois Inventor)

ALEXANDRIA, Va., July 16 -- United States Patent no. 12,361,109, issued on July 15, was assigned to U.S. Bank National Association.

"Authentication with dynamic user identification" was invented by Ashoo Dhingra (Naperville, Ill.).

According to the abstract* released by the U.S. Patent & Trademark Office: "An embodiment includes receiving, from a device, at an authentication service, a dynamic user identifier having a one-time password in an authentication message constructed to carry the dynamic user identifier in place of a pre-determined user identifier of a user. The embodiment locates in a profiles database, using a customized search query with a code based on the dynamic user identifier, a user profile. The embodiment receives at th...