公开(公告)号：US10915613B2

公开(公告)日：2021-02-09

申请号：US16106259

申请日：2018-08-21

申请人： Bank of America Corporation

发明人： Keesara Himabindu ,  Jayachandra Varma ,  Crystal M. Sundaramoorthy ,  Gilbert M. Gatchalian ,  Manu Kurian ,  Kevin A. Delson ,  Saritha Prasad Vrittamani ,  Angela Cain

IPC分类号： G06N5/04 ,  G06F21/32 ,  H04L9/32 ,  H04L29/06 ,  G06N20/00

摘要： Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.

公开(公告)号：US20200065459A1

公开(公告)日：2020-02-27

申请号：US16106259

申请日：2018-08-21

申请人： Bank of America Corporation

发明人： Keesara Himabindu ,  Jayachandra Varma ,  Crystal M. Sundaramoorthy ,  Gilbert M. Gatchalian ,  Manu Kurian ,  Kevin A. Delson ,  Saritha Prasad Vrittamani ,  Angela Cain

IPC分类号： G06F21/32 ,  H04L29/06 ,  H04L9/32 ,  G06F15/18

摘要： Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.