US 12,107,842 B2
Contactless authentication and event processing
Pratap Dande, Saint Johns, FL (US); Siten Sanghvi, Westfield, NJ (US); and Naga Vamsi Krishna Akkapeddi, Charlotte, NC (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Aug. 10, 2023, as Appl. No. 18/232,395.
Application 18/232,395 is a continuation of application No. 16/933,302, filed on Jul. 20, 2020, granted, now 11,784,991.
Prior Publication US 2024/0007452 A1, Jan. 4, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/08 (2013.01) 21 Claims
OG exemplary drawing
 
1. A computing platform associated with an enterprise organization, comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
a memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
receive, from a first computing device, user identifying data of a user, wherein the first computing device is a computing device associated with an enterprise organization associate;
responsive to receiving the user identifying data from the first computing device, retrieve, from a database, user data and user computing device data associated with the user, the user computing device being a pre-registered device that is different from the first computing device;
generate, based on the user data, an interactive authentication data request;
transmit the generated interactive authentication data request to the user computing device;
receive, from the user computing device, authentication response data;
compare the authentication response data to pre-stored authentication data of the user from the user data;
responsive to determining, based on the comparing, that the authentication response data matches the pre-stored authentication data:
authenticating the user;
generating a first authentication output; and
transmitting the first authentication output to at least one of: the first computing device and the user computing device; and
responsive to determining, based on the comparing, that the authentication response data does not match the pre-stored authentication data:
generating a second authentication output different from the first authentication output; and
transmitting the second authentication output to at least one of: the first computing device and the user computing device.