US 12,335,262 B2
Systems, methods, and apparatuses for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network
Anna Kristen Pingel Berry, Indian Land, SC (US); Olga Kocharyan, Matthews, NC (US); Ravi Joshi, Pennington, NJ (US); Luqman Sharief, Libertyville, IL (US); Michael Wm. Whitaker, Fort Worth, TX (US); Benjamin Daniel Hardman, Harrisburg, NC (US); Shweta Ambulkar, Plainsboro, NJ (US); and Angela Ianni, Lincoln, RI (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Mar. 17, 2023, as Appl. No. 18/123,063.
Prior Publication US 2024/0314127 A1, Sep. 19, 2024
Int. Cl. H04L 9/40 (2022.01); G06F 21/36 (2013.01); H04W 12/06 (2021.01)
CPC H04L 63/0884 (2013.01) [G06F 21/36 (2013.01); H04L 63/083 (2013.01); H04W 12/068 (2021.01)] 17 Claims
OG exemplary drawing
 
1. A system for implementing a single point multi-component authentication using a pre-determined sequence, the system comprising:
a memory device comprising non-transitory computer-readable medium 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 when executed the computer-readable code is configured to cause the at least one processing device to:
identify a pre-determined sequence associated with a user account, wherein the pre-determined sequence comprises a first authenticated input location and at least a second authenticated input location, and wherein the pre-determined sequence is generated by a single point multi-component authentication machine learning model;
identify a plurality of valid authentication credentials associated with the user account, wherein the plurality of valid authentication credentials comprises a first valid authentication credential and at least a second valid authentication credential;
generate a multi-component authentication graphical user interface, wherein the multi-component authentication graphical user interface comprises a plurality of input locations;
receive a first authentication credential at a first unverified location of the plurality of input locations;
determine whether the first authentication credential is valid,
wherein, in an instance where the first unverified location is the same as the first authenticated input location and wherein the first authentication credential is the same as the first valid authentication credential, determine the first authentication credential to be valid;
receive a second authentication credential at a second unverified location of the plurality of input locations;
determine whether the second authentication credential is valid,
wherein, in an instance where the second unverified location is the same as the at least second authenticated input location and wherein the second authentication credential is the same as the at least second valid authentication credential, determine the second authentication credential is valid; and
allow, in an instance where the first authentication credential is valid and the second authentication credential is valid, access to the user account.