Bank of America Corporation

Min Cao

Harish Tammaji Kulkarni

Nhat Minh Nguyen

Ra Uf Ridzuan Bin Ma Arof

Kumudini Choyal

Surendran Surendran

Access entitlement decisioning for a network-based application occurs dynamically at the time of access request based on current scenario indicators. In addition to determining whether a user should be granted access/entitlement, in certain instances, the current scenario indicators are relied upon to determine the level of entitlement/access (i.e., less or more than standard access) and the period for enforcing the determined access/entitlement. The current scenario indicators may be associated with the user, the application and/or the computing environment and are indicative of a heightened awareness for the occurrence of potential deceptive events or the likelihood for inefficiencies in use of the application and/or computing environment.

Scenario-based access entitlement engine and controller

Aspects of the disclosure relate to multi-factor user authentication for card-based payment transactions using blockchain tokens. An computing platform may receive, from a computing device, transaction details associated with a card-based payment transaction corresponding to a user, wherein the transaction details comprise a card number of a payment card. The computing platform may determine, based on the card number, a user device associated with the user. The computing platform may send, to the user device, a one-time passcode (OTP). After sending the OTP, the computing platform may receive a security key. The security key may be generated based on the sent OTP and a blockchain token hash. The computing platform may, based on the received security key, send, to the computing device, a message indicating whether the transaction is approved or declined.

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Singapore, Singapore

Min Cao