Affirm has patented a passwordless login system allowing users to access computer systems using only a name and phone number. The method involves sending a verification code to the user’s phone for authentication. This innovative approach enhances security and user experience in online interactions. GlobalData’s report on Affirm gives a 360-degree view of the company including its patenting strategy. Buy the report here.

According to GlobalData’s company profile on Affirm, was a key innovation area identified from patents.

Passwordless login system using user name and phone number

Source: United States Patent and Trademark Office (USPTO). Credit: Affirm Inc

A recently granted patent (Publication Number: US11870773B2) outlines a method for passwordless login to an internet-based system involving a server, database, and smartphone. The method includes receiving a transmission from the smartphone with only a username and phone number, sending a verification message with a unique code to the phone, and binding the smartphone to the user for authentication. The patent also covers canceling authorization if certain conditions are not met, ensuring secure interactions between the user, smartphone, and server.

Furthermore, the patent details methods for purchasing goods and accessing a financing system using similar passwordless login procedures. These methods involve transmitting verification codes to smartphones, receiving purchase acceptance responses, and authorizing interactions between users, mobile devices, and servers. The patent also includes features like determining permission levels based on login authentication, granting access to services such as credit financing, and automatically completing shipping addresses for user convenience. Overall, the patent aims to streamline user authentication processes and enhance security measures in online transactions and interactions.

To know more about GlobalData’s detailed insights on Affirm, buy the report here.

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GlobalData, the leading provider of industry intelligence, provided the underlying data, research, and analysis used to produce this article.

GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.