Invention Grant
- Patent Title: Alternate user communication routing for a onetime credential
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Application No.: US16915492Application Date: 2020-06-29
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Publication No.: US11297053B2Publication Date: 2022-04-05
- Inventor: Dharmender Kumar Satija , Eren Kursun , Andrew DongHo Kim , Scott Anderson Sims , Craig D. Widmann
- Applicant: BANK OF AMERICA CORPORATION
- Applicant Address: US NC Charlotte
- Assignee: BANK OF AMERICA CORPORATION
- Current Assignee: BANK OF AMERICA CORPORATION
- Current Assignee Address: US NC Charlotte
- Agency: Moore & Van Allen PLLC
- Agent Jeffrey R. Gray
- Main IPC: H04L29/06
- IPC: H04L29/06 ; H04L45/30 ; H04L45/00

Abstract:
The invention relates to alternate user communication routing for a one-time credential. When a user is determined to be an unauthorized user, the unauthorized user may be provided with an alternative one-time credential (e.g., one-time password, or the like) in response to the user trying to take an action (e.g., to access the organization systems in order to access information). When the unauthorized user tries to utilize the alternative one-time credential, the organization may identify the user as unauthorized and determine how to respond to the unauthorized user. In addition to the alternative one-time credential, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.
Public/Granted literature
- US20200329029A1 ALTERNATE USER COMMUNICATION ROUTING FOR A ONE-TIME CREDENTIAL Public/Granted day:2020-10-15
Information query