{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-12002032","patent":{"patent_number":"US-12002032","title":"System, method and article of manufacture to facilitate a financial transaction for secondary users based on passive authentication without unlocking a mobile device","assignee":null,"inventors":[],"filing_date":"2021-02-15T00:00:00.000Z","publication_date":"2024-06-04T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q"],"num_claims":18,"abstract":"A profile is maintained in a mobile device for storing authentication data associated with a primary user of a mobile device, and at least one secondary user that is authorized to use the mobile device. When the mobile device is at a business location, the secondary user is passively authenticated, and upon successful authentication: an image is displayed over a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code, and a financial transaction is facilitated at the business location based on the scanning code without unlocking the mobile device, wherein the financial transaction associated with a financial account of the primary user. Power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"System, method and article of manufacture to facilitate a financial transaction for secondary users based on passive authentication without unlocking a mobile device","description":"A profile is maintained in a mobile device for storing authentication data associated with a primary user of a mobile device, and at least one secondary user that is authorized to use the mobile devic","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-12002032","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-12002032","citation_suggestion":"Patentable. \"System, method and article of manufacture to facilitate a financial transaction for secondary users based on passive authentication without unlocking a mobile device\" (US-12002032). https://patentable.app/patents/US-12002032","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-12002032","json":"https://patentable.app/api/llm-context/US-12002032","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T04:47:25.026Z"}