公开(公告)号：US10785220B2

公开(公告)日：2020-09-22

申请号：US15995830

申请日：2018-06-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Dharmender Kumar Satija ,  Eren Kursun ,  Andrew DongHo Kim ,  Scott Anderson Sims ,  Craig D. Widmann

IPC: H04L29/06

Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.

公开(公告)号：US10785214B2

公开(公告)日：2020-09-22

申请号：US15995831

申请日：2018-06-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Dharmender Kumar Satija ,  Eren Kursun ,  Andrew DongHo Kim ,  Scott Anderson Sims ,  Craig D. Widmann

IPC: H04L29/06 ,  H04L12/725 ,  H04L12/707

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.

公开(公告)号：US10728256B2

公开(公告)日：2020-07-28

申请号：US15798163

申请日：2017-10-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Scott Anderson Sims ,  Kolt Arthur Bell ,  Michael Joseph Carroll ,  Andrew DongHo Kim ,  Elliot Piatetsky ,  Stephen M. Schneeweis ,  Michael E. Toth ,  Craig D. Widmann ,  Dharmender Kumar Satija ,  Sai Kishan Alapati

IPC: H04L29/06 ,  G06N99/00 ,  G06N20/00

Abstract: Systems, computer program products, and methods are described herein for elevated authentication model using cross-channel data. The present invention is configured to receive one or more exposure events from a detection system, wherein at least one of the one or more exposure events indicates that a user has failed an authentication requirement in at least one communication channel associated with the detection system; store the one or more exposure events in a centralized repository; determine one or more other communication channels across the one or more detection systems available for access to the user; and increase an authentication requirement of the user in the one or more other communication channels, wherein increasing the authentication requirement further comprises increasing an authentication level required to enable the user to access at least one of the one or more functions associated with at least one of the one or more applications.