US 12,353,528 B2
Real-time adjustment of the volume of passcode entry authentication attempts
George Anthony Albero, Charlotte, NC (US); and Maharaj Mukherjee, Poughkeepsie, NY (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Mar. 28, 2023, as Appl. No. 18/127,472.
Prior Publication US 2024/0330423 A1, Oct. 3, 2024
Int. Cl. G06F 21/31 (2013.01); G06F 9/451 (2018.01)
CPC G06F 21/316 (2013.01) [G06F 9/453 (2018.02); G06F 2221/2113 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A system for real-time adjustment of a volume of user authentication attempts, the system comprising:
a database that stores a plurality of mismatched passcode rules;
a first computing platform including a first memory and one or more first computing device processors in communication with the first memory, wherein the first memory stores one or more machine learning models that are executable by at least one of the one or more first computing device processors and configured to determine one or more user authentication behavior patterns; and
a second computing platform including a second memory and one or more second computing device processors 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 computing device processors and configured to:
receive, from a user, input of a passcode that defines an initial authentication attempt for authenticating the user for purposes of gaining accessing to an application, a service or a physical location, determine that the passcode does not match a currently active passcode associated with the user, in response to determining that the passcode does not match the currently active passcode, implement the mismatched passcode rules and compare the one or more user authentication behavior patterns to characteristics of the input of the passcode to determine a likelihood that the user is a rightful holder of the currently active passcode, and adjust, from a baseline volume, a volume of further authentication attempts afforded to the user based on the determined likelihood that the user is the rightful holder of the currently active passcode, wherein the authentication application is further configured to provide password remembrance assistance to the user if the determined likelihood exceeds a threshold, wherein the password remembrance assistance can include a number of incorrect characters of the passcode, which characters of the passcode are incorrect, or a level incorrectness of the passcode.