Bank of America Corporation

Benjamin Daniel Hardman

Anna Kristen Pingel Berry

Shweta Ambulkar

Olga Kocharyan

Angela Ianni

Luqman Sharief

Michael Wm Whitaker

Ravi Joshi

Jeffrey Glasco, Jr

Robert Brice

Michael William Whitaker

Luqman Abdul Hakeem Sharief

Systems, computer program products, and methods are described herein for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic network. The present disclosure is configured to identify a pre-determined sequence; configure a multi-component authentication graphical user interface; determine whether a first authentication credential is valid when it 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; configure the multi-component authentication graphical user interface with at least one second indicator; determine whether at least one second authentication credential is valid when 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.

Systems, methods, and apparatuses for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic environment

A method includes receiving hashes of a static password and a lot-one authentication string from a user device of a user. After an initial validation, a first authentication matrix (AM) is generated. A block selection process is performed to select spurious and authentication blocks. While performing the block selection process, the first AM is replaced by a second AM, such that a first authentication block is selected from the first AM based on a first lot-two authentication string and a second authentication block is selected from the second AM based on a second lot-two authentication string. A dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password stored in a user profile, the user is authenticated.

System and method for user authentication using a spinning authentication matrix

A method includes receiving a hash of a static password and a hash of a lot-one authentication string from a user device of a user. After an initial validation, an authentication matrix is generated. A block selection process is performed to select spurious and authentication blocks from the authentication matrix. The authentication blocks are selected based on a lot-two authentication string associated with the lot-one authentication string. In response to determining that the spurious and authentication blocks are selected according to a block selection sequence stored in a user profile of the user, a dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password that is stored in the user profile, the user is authenticated.

System and method for user authentication using a static authentication matrix

Multifactor user authentication leveraging secure tokenization, such as a Non-Fungible Token (NFT) and multiple passkeys (e.g., bifurcated passkey). One or more authentication NFTs are generated that use some form of a user's authentication credentials as the seed input for the NFT encryption/hash algorithm(s). In addition, passkeys are distributed to and/or made accessible to multiple passkey holders. In response to an event that requests multifactor authentication of the user, a plurality passkeys are requested, received and verified. Each of the passkeys being requested and received from, or at the directive of, one of the multiple passkey holders. In response to verifying the plurality of passkeys, at least one of the authentication NFTs is accessed and the cryptographic hash algorithm(s) is implemented to decrypt the authentication NFT(s) and identify the one or more user credentials. In response, the user is authenticated based at least on the user credentials that formed the basis for the authentication NFT(s).

Multifactor authentication via bifurcated passcode and non-fungible token

Systems, computer program products, and methods are described herein for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network. The present disclosure is configured to identify a pre-determined sequence associated with a user account; identify a plurality of valid authentication credentials associated with the user account; generate a multi-component authentication graphical user interface, wherein the multi-component authentication graphical user interface comprises a plurality of input locations; receive a first authentication credential at a first unverified location of the plurality of input locations; determine whether the first authentication credential is valid; receive a second authentication credential at a second unverified location of the plurality of input locations; determine whether the second authentication credential is valid; and allow, in an instance where the first authentication credential is valid and the second authentication credential is valid, access to the user account.

Systems, methods, and apparatuses for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network

Adaptation/alteration of the digital file referenced to an underlying Non-Fungible Token (NFT). Adaptation/alteration of the digital file occurs via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to users to indicate a change in a state associated with a specific type of NFT. For example, the NFT may be an authentication NFT used to verify the identity of a user/users and the digital file may be presented within computing networks or applications as a means of conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users. Occurrence of one or more of the predefined security events triggers adaptation and presentation of the adapted digital file which provides an indication of an increase/decrease in the level of authenticity associated with the user/users.

Non-fungible token with adaptable digital files

Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.

System for implementing multifactor authentication based on secure tokenization

Implementing artificial intelligence, specifically, machine learning techniques to identify malicious emails and, in response, identifying and conducting actions, including reporting the malicious emails to identified internal and/or external entities and preventing the malicious emails from being delivered to email client mailboxes. The machine learning techniques rely on malicious email patterns identified, at least, from previously identified malicious emails and data resulting from continuously crawling the Web and threat intelligence sources. Further, the email clients may be configured to include an add-on feature in which the user can provide a single input to report the email as being suspicious, which results in further analysis to determine whether the email is, in fact, a malicious email.

System for identifying and blocking suspect electronic communications based on Artificial Intelligence

A method for determining third party network compliance with a host entity network is provided. The method may include generating a scanning file that includes host entity network compliance standards and transferring the scanning file to an intermediary entity network. The method may further include generating an executable file that may run a plug-in scanning file to scan hardware and software resident at the third-party network for compliance. The method may further include transferring the executable file from the intermediary entity network to the third party network. The method may further include executing the executable file, generating a log file upon the completion of the running of the plug-in scanning file and digitally signing the log file. The method may further include deciphering the log file at the intermediary entity network, generating a readable report based on the deciphering and transferring the readable report to the host entity network.

Systems and methods for identifying and determining third party compliance

Embodiments of the invention are directed to systems, methods, and computer program products for audiovisual conferencing. The system comprising video input and output devices, which allow a user to be viewed by and view other conference attendees and audio input and output devices that allow the user to be heard by and hear other conference attendees. Further, the system includes a noise mitigation to ensure that a user has privacy when attending a remote meeting in a public or semi-public place.

Device for audiovisual conferencing having multi-directional destructive interference technology and visual privacy features

Assessment plug-in system for providing binary digitally signed results

Systems and methods for digitally encrypting sensitive, self-executing, digital content are provided. A method may include storing the digital content in an encrypted digital vault and generating a first password and a second password which together may unlock the digital vault. The method may include storing the first password on a first encrypted distributed ledger and the second password on a second encrypted distributed ledger. The method may include automatically updating the passwords periodically and storing the updated passwords as new entries on the distributed ledgers. When a document from a predetermined list of documents is digitally scanned and authenticated, the method may include unlocking access to the first password on the first distributed ledger for the designated entity. When the digital vault is unlocked with the first and the second passwords, the digital content may self-execute.

Systems and methods for bifurcated blockchain-based digital encryption

An ML-based method for conforming a target network to control requirements of a host network is provided. The method may include running a first digital scan of the host network and determining the host network's control requirements based on the first digital scan. The method may include identifying, based on the second digital scan, elements of the target network that violate the control requirements. The method may include generating a compliance report and/or an executable file. The compliance report may include a compatibility score of the target network vis-&#xe0;-vis the host network, and a compatibility plan that includes steps which improve the compatibility score and conform the target network to the control requirements of the host network. The executable file, when executed at the target network, may execute the compatibility plan.

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Harrisburg, NC, United States of America

Benjamin Daniel Hardman