Bank of America Corporation

Nhat Minh Nguyen

Harish Tammaji Kulkarni

Ra Uf Ridzuan Bin Ma Arof

Kumudini Choyal

Chie Khiong Chin

Simon Peter Lawrie

Ayush Anand

Surendran Surendran

Min Cao

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.

Multi-factor user authentication using blockchain tokens

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.

Multi-factor user authentication

Aspects of the disclosure relate to a dynamic event securitization and neural network analysis system. A dynamic event inspection and securitization computing platform comprising at least one processor, a communication interface, and memory storing computer-readable instructions may securitize event data prior to authorizing execution of the event. A neural network event analysis computing platform comprising at least one processor, a communication interface, and memory storing computer-readable instructions may utilize a plurality of event analysis modules, a neural network, and a decision engine to analyze the risk level values of data sharing events. The dynamic event inspection and securitization computing platform may interface with the neural network event analysis computing platform by generating data securitization flags that may be utilized by the neural network event analysis computing platform to modify event analysis results generated by the event analysis modules.

Dynamic event securitization and neural network analysis system

Growing community of inventors

Singapore, Singapore

Nhat Minh Nguyen