US Patent 12093945 Multi-factor user authentication
Patent 12093945 was granted and assigned to Bank of America on September, 2024 by the United States Patent and Trademark Office.
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US Patent 12093945 Multi-factor user authentication
Article
Patent abstract
A system for multi-factor user authentication for payment card-based transactions are described. The multifactor authentication may be based on a one-time passcode/password (OTP) as sent by an authentication server. A user device may, based on receiving the OTP, send an authentication code. The authentication code may be generated/determined based on the OTP. The authentication code may be augmented biometric identifier (ID) of a user associated with the user device. The authentication server may validate a transaction based on the authentication code.
Infobox
Is a
Patent Applicant
Current Assignee
Patent Jurisdiction
Patent Number
Patent Inventor Names
Harish Tammaji Kulkarni0
Kumudini Choyal0
Nhat Minh Nguyen0
Ra Uf Ridzuan Bin Ma Arof0
Surendran Surendran0
Date of Patent
September 17, 2024
0Patent Application Number
175543480
Date Filed
December 17, 2021
0Patent Citations
Patent Primary Examiner
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