Bank of America Corporation

Amit Pandey

George Albero

Robert W Johnston

Terry L Lewis

Vanesa Mitrevski

Gopalakrishnan Kandasamy

Janan Abou-Chakra

Swathi Chanda

Robert Morris Black

Ravi Narasshiman

Vasan Srini Subramanian

Arrangements for providing dynamic user authentication are provided. In some aspects, a user may initiate a transaction at a merchant point-of-sale (POS) system, via a merchant website, or the like. In response, user data from one or more pre-registered user devices may be retrieved. The data may be analyzed to identify one or more data points for use as a correct answer to an authentication question. An authentication question may be dynamically generated and transmitted to the merchant system for display and the user may provide authentication response data. The authentication response data may be received and compared to the data points providing the basis for the authentication question. If the data matches, the user may be authenticated and the transaction may be processed. If not, additional user authentication data may be requested. The system may then delete the received user data.

Secure user authentication based on dynamically generated user prompts

Systems, devices, and methods for user authentication are described. A security platform may authenticate a user based on a machine learning model created using historical user behavior. The user behavior may correspond to user interaction with and/or operation of a computing device. The user behavior may correspond to, for example, historical user purchase patterns. Applications include user authentication for online and offline purchases, access to computing resources, and/or access to physical locations.

User authentication using behavior patterns

A transaction processing system capable of processing transactions and implementing a flexible circuit breaker process during a cyber event. A circuit breaker module initiates a circuit breaker event (CBE), an account identification module identifies one or more affected accounts, and a rule generation module generates conditional rules for evaluating each transaction presented to a transaction processing module. If a transaction presented to the transaction processing module satisfies the conditional rule, the transaction is not processed. Transactions not processed are stored in memory and groups of impacted transactions are assigned to resource modules based on common characteristics. The resource module determines if impacted transactions should be allowed to process. A message notification module monitors and receives notifications and updates a dashboard display to allow users to visualize the impact of a cyber event.

Intelligent systems for identifying transactions associated with an institution impacted by an event using a dashboard

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Charlotte, NC, United States of America

Amit Pandey