US 11,985,124 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 Jun. 2, 2022, as Appl. No. 17/830,673.
Prior Publication US 2023/0396610 A1, Dec. 7, 2023
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 computing platform including a first memory and one or more first processing devices in communication with the first memory, wherein the first memory stores an authentication Non-Fungible Token (NFT) generator that is executable by at least one of the one or more first processing devices and configured to:
receive one or more user credentials associated with a user, and
generate an authentication NFT for the user using at least the one or more user credentials as input to the authentication NFT generator;
a first private distributed trust computing network comprising a plurality of first decentralized nodes, each first decentralized node having a second memory and at least one second processing device in communication with the second memory, wherein the second 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 the authentication NFT, 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 second computing platform including a third memory and one or more third processing devices in communication with the third memory, wherein the third memory stores an authentication application that is executable by at least one of the one or more third 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.