ALEXANDRIA, Va., June 18 -- United States Patent no. 12,327,254, issued on June 10, was assigned to Wells Fargo Bank N.A. (San Francisco).
"Flexible authentication" was invented by Priyamvada Singh (San Francisco), Jeff Cornman (San Francisco) and Melody Kao (San Francisco).
According to the abstract* released by the U.S. Patent & Trademark Office: "Provided is dynamic and flexible authentication based on an interaction over a communications link between a user device and a financial entity. A set of interactions enabled at the user device are categorized into different levels, each level comprises a different authentication policy. At about the same time as an interaction is initiated at the device, an authentication policy assigned to t...