US 12,294,576 B2
System for implementing multifactor authentication based on secure tokenization
Anna Kristen Pingel Berry, Indian Land, SC (US); Shweta Ambulkar, Plainsboro, NJ (US); Benjamin Daniel Hardman, Harrisburg, NC (US); Angela Ianni, Lincoln, RI (US); Olga Kocharyan, Matthews, NC (US); Luqman Sharief, Libertyville, IL (US); and Michael Wm. Whitaker, Fort Worth, TX (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Mar. 14, 2024, as Appl. No. 18/604,577.
Application 18/604,577 is a continuation of application No. 17/830,673, filed on Jun. 2, 2022, granted, now 11,985,124.
Prior Publication US 2024/0414155 A1, Dec. 12, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/0853 (2013.01) 20 Claims
OG exemplary drawing
 
1. A system for user authentication, the system comprising:
a first private distributed trust computing network comprising a plurality of first decentralized nodes, each first decentralized node having a first memory and at least one first processing device in communication with the first memory, wherein the first memory of the first decentralized nodes is configured to store one or more first distributed ledgers, each first distributed ledger comprising a plurality of first data blocks, wherein in response to receiving an authentication Non-Fungible Token (NFT) relating to a user, where the authentication NFT was generated based on at least one or more user credentials associated with the user, a plurality of the first decentralized nodes are configured to verify authenticity of the authentication NFT, and the authentication NFT is stored, in a deactivated state, as a first data block within one of the one or more first distributed ledgers; and
a first computing platform including a second memory and one or more second processing devices in communication with the second memory, wherein the second memory stores an authentication application that is executable by at least one of the one or more second processing devices and configured to:
as part of an elevated or multifactor user authentication process and initiated by the user, receive one or more first inputs from the user that are configured to (i) identify a location of the authentication NFT on the first private distributed trust computing network, (ii) check-out the authentication NFT from the first private distributed trust computing network, and (iii) in response to checking out the authentication NFT from first private distributed trust computing network, provide for the authentication NFT to be moved from the deactivated state to an activated state, and
in response to moving the authentication NFT to the activated state, apply the one or more user credentials to authenticate the user.