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US Patent 11930014 Information security using multi-factor authorization

Patent 11930014 was granted and assigned to Bank of America on March, 2024 by the United States Patent and Trademark Office.

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Is a
Patent
Patent
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Patent attributes

Patent Applicant
Bank of America
Bank of America
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Current Assignee
Bank of America
Bank of America
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Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
119300140
Patent Inventor Names
Shubhada Bhat0
Date of Patent
March 12, 2024
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Patent Application Number
174494320
Date Filed
September 29, 2021
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Patent Citations
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US Patent 8769289 Authentication of a user accessing a protected resource using multi-channel protocol
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US Patent 8769643 Method for identifying a remote device
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US Patent 9032498 Method for changing authentication for a legacy access interface
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US Patent 9129120 Methods and systems for providing access control to secured data
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US Patent 9531702 Two-factor authentication systems and methods
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US Patent 9578022 Multi-factor authentication techniques
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US Patent 9935953 Secure authenticating an user of a device during a session with a connected server
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US Patent 10122719 Wearable device-based user authentication
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...
Patent Primary Examiner
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Longbit Chai
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CPC Code
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H04L 63/105
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H04L 63/20
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H04L 63/101
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H04L 63/107
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H04L 63/0838
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Patent abstract

A system includes a central server and one or more user devices connected by a network. The central server receives a request initiated by a user using a user device for a data interaction associated with a data file. The central server checks whether the user is authorized to perform the requested data interaction based on a list of user authorizations. If the user is authorized to perform the data interaction, the central server checks whether the data interaction satisfies at least one rule defined for the user relating to a type of the requested data interaction. If the data interaction satisfies the at least one rule, the central server performs an additional level of authorization to verify an identity of the user. The central server further processes the data interaction when the additional level of authorization is successful.

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