US 12,255,881 B2
System and method for bypassing user authentication through data encapsulation of interaction session information
Jitender Singh, Robbinsville, NJ (US); Matthew B. Bledsoe, Charlotte, NC (US); and Jennifer Corzo, Ewing, NJ (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Mar. 28, 2022, as Appl. No. 17/656,842.
Prior Publication US 2023/0308425 A1, Sep. 28, 2023
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/08 (2013.01) 14 Claims
OG exemplary drawing
 
1. An apparatus for bypassing user authentication, comprising:
a contextual payload database, the contextual payload database comprising:
a database memory comprising an interaction application associated with an entity;
a database processor operably coupled to the database memory, the database processor configured to:
transmit a signal initiating the interaction session in response to receiving secured credentials from a first user device, wherein the secured credentials facilitate log-in to the interaction application associated with the entity to establish the interaction session;
prompt the first user device to verify authentication information associated with a first user of the first user device during the interaction session on the interaction application associated with the entity;
receive interaction session information associated with the interaction session, wherein the interaction session information comprises verification of the authentication information; and
generate a contextual payload by performing data encapsulation on the verification of the authentication information;
a memory operable to store a plurality of files associated with a plurality of users; and
a processor, operably coupled to the memory, configured to:
receive the contextual payload for authentication of the first user;
process the contextual payload to identify the interaction session information associated with the first user;
identify a file associated with the first user and a session classifier based on the interaction session information;
in response to determining that the verification of the authentication information is present in the interaction session information and identifying the session classifier:
transmit file information associated with the file of the first user to an entity device associated with the entity; and
transmit an instruction to display pre-populated fields in a process flow based on the identified session classifier on the entity device; and
establish a network connection between a first user device associated with the first user and the entity device.