US 12,462,003 B2
Systems, methods, and apparatuses for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic environment
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. 18/123,088.
Prior Publication US 2024/0311453 A1, Sep. 19, 2024
Int. Cl. G06F 21/31 (2013.01); G06F 21/45 (2013.01); H04L 9/40 (2022.01)
CPC G06F 21/31 (2013.01) [G06F 21/45 (2013.01); H04L 63/08 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system for implementing a multi-component authentication using pre-determined sequences and indicators, the system comprising:
a non-transitory memory device with computer-readable program code stored thereon;
at least one processing device operatively coupled to the non-transitory 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:
identify a pre-determined sequence associated with a user account, wherein the pre-determined sequence comprises a first authenticated input location and at least one second authenticated input location, wherein the pre-determined sequence is generated by a multi-component authentication machine learning model and wherein a training of the multi-component authentication machine learning model comprises:
identifying data associated with the user account, wherein the data comprises at least one of threat data, current access data, historical access data, or rank data,
creating a first training set comprising the data associated with the user account, and
training the multi-component authentication machine learning model in a first stage using the data associated with the user account;
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 one 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 and a plurality of indicators associated with at least one pre-determined indicator period;
configure the multi-component authentication graphical user interface with a first indicator comprising a highlighting or a marking at a first input location for a first pre-determined indicator period;
receive, in response to the configured multi-component graphical user interface with the first indicator, a first authentication credential at the first input location and determine whether the first authentication credential is valid,
wherein, in an instance where the first authentication credential matches the first valid authentication credential, the first input location matches the first authenticated input location, and the first authentication credential is received in the first pre-determined indicator period, determine the first authentication credential is valid;
configure the multi-component authentication graphical user interface with at least one second indicator comprising the highlighting or the marking at an at least one second input location for at least one second pre-determined indicator period;
receive, in response to the configured multi-component graphical user interface with the second indicator, at least one second authentication credential at a second input location and determine whether the at least one second authentication credential is valid,
wherein, in an instance where the at least one second authentication credential matches the at least one second valid authentication credential, the second input location matches the at least one second authenticated input location, and the at least one second authentication credential is received in the second pre-determined indicator period, determine the at least one second authentication credential is valid; and
allow, in an instance where the first authentication credential is valid and the at least one second authentication credential is valid, access to the user account.