US 12,170,660 B1
Audio tokens for multi-factor authentication
Richard Davey, San Antonio, TX (US); and Gabriel C. Fernandez, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Sep. 27, 2023, as Appl. No. 18/475,429.
Application 18/475,429 is a continuation of application No. 17/475,920, filed on Sep. 15, 2021, granted, now 11,805,120.
Application 17/475,920 is a continuation of application No. 16/381,463, filed on Apr. 11, 2019, granted, now 11,153,307, issued on Oct. 19, 2021.
Claims priority of provisional application 62/656,767, filed on Apr. 12, 2018.
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/00 (2013.01); H04L 9/40 (2022.01); H04M 7/12 (2006.01)
CPC H04L 63/0853 (2013.01) [H04L 63/18 (2013.01); H04M 7/1295 (2013.01); H04L 2463/082 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method, the method comprising:
sending, by a user device, a service request to a server computing system;
establishing, by the user device, a service session with the server computing system;
outputting, by the user device, a first audio signal generated based on a challenge audio file received from the server computing system;
receiving, from a playback device, a second audio signal generated by the playback device based on the first audio signal, the second audio signal encoding a code that corresponds to a user of the user device; and
sending, by the user device, a playback of the second audio signal that encodes the code to the server computing system, thereby enabling the server computing system to verify an identity of the user by extracting the code from the second audio signal.