US Patent Issued to Wells Fargo Bank on July 14 for "Systems and methods for authentication using a cryptographic one-time passcode" (Missouri Inventor)

ALEXANDRIA, Va., July 14 -- United States Patent no. 12,683,793, issued on July 14, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Systems and methods for authentication using a cryptographic one-time passcode" was invented by Jeff J. Stapleton (O'Fallon, Mo.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems, apparatuses, methods, and computer program products are disclosed for authentication using a cryptographic one-time passcode (COTP). An example method includes receiving, via a first channel, a first authentication response associated with a user, and verifying the first authentication response based on stored data associated with the user. The example method also includes generating, in r...