公开(公告)号：US20230035919A1

公开(公告)日：2023-02-02

申请号：US17388550

申请日：2021-07-29

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: H04L29/06 ,  G06F16/23 ,  G06Q40/02 ,  G06Q40/06

Abstract: Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.

公开(公告)号：US20230033954A1

公开(公告)日：2023-02-02

申请号：US17388592

申请日：2021-07-29

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: G06F21/31 ,  G06F21/45

Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.