US 12,346,418 B2
Anti-pattern captcha
Manu Kurian, Dallas, TX (US); Ana Maxim, Arlington, VA (US); Vinesh Patel, London (GB); and Michael Young, Davidson, NC (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Jul. 17, 2023, as Appl. No. 18/222,524.
Prior Publication US 2025/0028797 A1, Jan. 23, 2025
Int. Cl. G06F 21/31 (2013.01)
CPC G06F 21/316 (2013.01) [G06F 2221/2133 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for providing a challenge-response authentication to verify a request by a user, the request for the purpose of interacting with a system or website, the method comprising:
receiving, at an artificial intelligence (“AI”) software, the request, wherein the request comprises providing a plurality of user credentials, wherein the user credentials comprise a username, a user device identity (“ID”), a user internet protocol (“IP”) address and a user input;
identifying a human user most closely associated with the user credentials, by the AI software, wherein the human user is identified by looking up, in a first database accessible by the AI software, the human user associated with the user credentials;
compiling data, by the AI software, related to a plurality of unique behavior patterns associated with the human user when interacting online;
analyzing, by the AI software, the compiled data to establish the plurality of unique behavior patterns associated with the human user;
presenting, by the AI software, a challenge to the user to determine that the user is the human user, wherein the challenge is configured to test whether the user is capable of deviating from at least one of the plurality of unique behavior patterns;
verifying, by the AI software, the user is the human user based on a response to the challenge that deviates from at least one of the plurality of unique behavior patterns; and
prompting the user to interact with the system or website upon verifying that the user is the human user.