US 12,231,901 B2
Resource exchange event verification based on subscriber identity module (SIM) card feature comparison
Shailendra Singh, Maharashtra (IN)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Aug. 30, 2022, as Appl. No. 17/898,833.
Prior Publication US 2024/0073696 A1, Feb. 29, 2024
Int. Cl. H04W 12/72 (2021.01); H04W 12/08 (2021.01); H04W 12/121 (2021.01)
CPC H04W 12/72 (2021.01) [H04W 12/08 (2013.01); H04W 12/121 (2021.01)] 19 Claims
OG exemplary drawing
 
1. A system for resource exchange event verification, the system comprising:
a mobile communication device in possession of a user and including Subscriber Identity Module (SIM) card receptacle for receiving a SIM card;
a first computing platform including a first memory and one or more first processing devices in communication with the first memory, wherein the first memory stores a SIM card feature extraction and file generator engine that is executable by at least one of the one or more first processing devices and is configured to:
extract a plurality of baseline SIM card features from an initial SIM card residing in the SIM card receptacle,
generate a SIM card file that (i) comprises at least a portion of the baseline SIM card features and (ii) is associated with the mobile communication device, and
store the SIM card file in the first memory; and
a second computing platform including a second memory and one or more second processing devices in communication with the second memory, wherein the second memory stores a resource exchange event verification engine that is executable by at least one of the one or more second processing devices and is configured to:
receive a signal from the mobile communication device that indicates initiation of a resource exchange event,
in response to receiving the signal, extract a plurality of SIM card features from a current SIM card currently residing in the SIM card receptacle, wherein the current SIM card is either the initial SIM card or another SIM card,
access the first memory to perform a comparison between (i) the SIM card features, and (ii) the baseline SIM card features in the SIM card file that is associated with the mobile communication device, and
in response to the comparison exhibiting a match between the (i) the SIM card features, and (ii) the baseline SIM card features in the SIM card file, authorize further processing of the resource exchange event,
wherein the plurality of baseline SIM card features and the plurality of SIM card features include one or more of (i) communication features, (ii) software and firmware features, (iii) electrical features, (iv) hardware features, and (v) behavior of SIM card in respect to the mobile communication device.