US 12,238,139 B2
System for secure channel selection for multi-factor authentication using non-fungible electronic resources
Anirudh Kumar Sharma, Haryana (IN)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Feb. 12, 2024, as Appl. No. 18/439,655.
Application 18/439,655 is a continuation of application No. 17/588,421, filed on Jan. 31, 2022, granted, now 11,949,716.
Prior Publication US 2024/0187454 A1, Jun. 6, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/18 (2013.01) [H04L 63/0838 (2013.01); H04L 63/102 (2013.01); H04L 2463/082 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for secure channel selection for multi-factor authentication using non-fungible electronic resources, the system comprising:
at least one processing device; and
at least one non-transitory storage device containing instructions that, when executed by the at least one processing device, cause the at least one processing device to:
receive, from a user input device, a request from a user to access resources, wherein the request comprises a first access type;
determine, using an identity verification engine, a first authentication channel for verification of user identity based on at least the first access type;
trigger an authentication channel validation engine to validate the first authentication channel;
retrieve authentication channel information associated with the first authentication channel;
determine, using the authentication channel validation engine, that the user has a non-fungible token (NFT) for the first authentication channel;
retrieve from the NFT authentication channel descriptors associated with the first authentication channel;
determine, using the authentication channel validation engine, that the first authentication channel is valid based on a comparison of the authentication channel information with the authentication channel descriptors; and
initialize, using the identity verification engine, verification of the user identity via the first authentication channel.