US 12,328,313 B2
Systems, methods, and apparatuses for verifying authentication credentials in an electronic network
Marci Anne Landy, Waxhaw, NC (US); Daniel Joseph Serna, The Colony, TX (US); Tina Berumen Pachorek, Centennial, CO (US); Jessica Hope Thompson, Grapevine, TX (US); Joseph Henry Pindell, Jr., Euless, TX (US); and Mrunal Mody, Keller, TX (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Sep. 14, 2022, as Appl. No. 17/944,716.
Prior Publication US 2024/0089256 A1, Mar. 14, 2024
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/0876 (2013.01) [H04L 63/107 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for verification of authentication credentials in an electronic network, the system comprising:
a memory device with computer-readable program code stored thereon;
at least one processing device operatively coupled to the at least one memory device and the at least one communication device, wherein executing the computer-readable code is configured to cause the at least one processing device to:
receive a first IP address associated with a first access attempt of an account at a first time and an account identifier;
determine a first geolocation data of the first access attempt based on the first IP address;
receive a second IP address associated with a second access attempt of the account at a second time and the account identifier;
determine a second geolocation data of the second access attempt based on the second IP address;
determine a geolocation variance between the first geolocation data of the first access attempt at the first time and the second geolocation data of the second access attempt at the second time;
determine, based on the geolocation variance, an indication of potential movement between the first access attempt at the first time and the second access attempt at the second time;
apply, based on the indication of potential movement, a verification machine learning model to the account identifier;
generate, by the verification machine learning model and based on the indication of potential movement, a privacy score, wherein the privacy score indicates a probability a user of the account identifier shared authentication credentials associated with the account identifier with a second user associated with the second access attempt;
determine whether the privacy score satisfies at least one of a first threshold or a second threshold; and
generate, in response to the determination that the privacy score satisfies at least one of the first threshold or the second threshold, an alert user interface component to configure a graphical user interface of a device associated with the user of the account.