Invention Grant
- Patent Title: System and method for authenticating interactions with dynamically varying digital resources linked to resource distribution devices
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Application No.: US17716662Application Date: 2022-04-08
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Publication No.: US12041048B2Publication Date: 2024-07-16
- Inventor: Puneetha Polasa , Sandeep Kumar Chauhan , Bhagya Lakshmi Sudha Lavanya Mallidi , Udaya Kumar Raju Ratnakaram
- 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 Nicholas C. Russell
- Main IPC: H04L9/40
- IPC: H04L9/40

Abstract:
Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.
Public/Granted literature
Information query