Bank of America Corporation

Rajat P Badhwar

Rakesh Radhakrishnan

Abdulkader Omar Barbir

Radu Marian

Cynthia Ann Frick

According to one embodiment, an apparatus may store a first and second subject token that indicate a first authentication method performed by the user and a second authentication method performed by the user respectively. The apparatus may detect at least one new subject token indicating at least one different authentication method performed by the user. The apparatus may then determine that a particular combination of subject tokens in the first subject token, second subject token, and the at least one new subject token indicates a privilege should be granted to the user, and facilitate the granting of the privilege to the user.

Method and apparatus for token-based combining of authentication methods

According to one embodiment, an apparatus may store a plurality of tokens indicating a user is accessing a resource over a network. The plurality of tokens may include a risk token indicating a risk associated with access by the user to the resource. The apparatus may detect a token indicating a change associated with accessing the resource, and determine that the change triggers a risk update. The apparatus may then generate a dataset token that represents the risk token and the token indicating the change, and communicate the dataset token to a token provider to perform the risk update. The apparatus may then receive a recomputed risk token representing an updated risk. The updated risk may indicate the risk associated with continuing access to the resource with the change.

Method and apparatus for token-based real-time risk updating

According to one embodiment, an apparatus may store: a hard token representing identification information of the device, a network token representing the status of a network, and a resource token representing information associated with a resource. The apparatus may further store secured copies of the hard token, network token, and resource token. The apparatus may receive a suspect token indicating a risk that at least one of the device, the network, and the resource has been tampered, and in response, determine to inspect at least one of the hard token, network token, and resource token. The apparatus may then compare the at least one of the hard token, network token, and resource token with its corresponding secured copy. If at least one of those tokens does not match its corresponding secured copy, the apparatus may communicate a revalidation token indicating at least one token has been tampered.

Method and apparatus for token-based tamper detection

According to one embodiment, an apparatus may store a plurality of tokens. The plurality of tokens may include a plurality of risk tokens. Each risk token may represent a risk rating. The risk rating may be a numerical value indicating a risk associated with granting a particular user access to a particular resource. The apparatus may identify a set of related risk tokens in the plurality of risk tokens, and generate a composite risk token that represents an arithmetic combination of the risk ratings represented by the set of related risk tokens. The apparatus may then use the composite risk token to facilitate the making of an access decision.

Method and apparatus for token-based combining of risk ratings

According to one embodiment, an apparatus may store a plurality of tokens indicating that a user is attempting to access a resource. The apparatus may determine an authorization level for the user based at least in part upon the plurality of tokens. The authorization level may indicate whether the user is authorized to access the resource. The apparatus may then determine a related resource that shares a relationship with the resource, and determine that the authorization level indicates that the user is authorized to access the related resource. The apparatus may then communicate a decision token indicating that the user is authorized to access the resource and the related resource.

Method and apparatus for token-based access of related resources

According to one embodiment, an apparatus may monitor a session that facilitates the processing of a transaction. The transaction may represent an action taken against a resource during the session. The apparatus may determine that the transaction qualifies for additional monitoring, and in response, generate a tag. The tag may be unique to the transaction. The apparatus may then associate the tag with the transaction to facilitate tracing of the transaction. The apparatus may then trace the transaction during the processing of the transaction by following the tag, and communicate a message to transfer the transaction to an isolated processing unit. The isolated processing unit processes the transaction in isolation.

Method and apparatus for token-based transaction tagging

According to one embodiment, an apparatus may store a plurality of tokens indicating a user is requesting access to a resource over a network. The apparatus may determine a condition associated with accessing the resource based on the plurality of tokens. The condition may be determined in addition to a determination to grant or deny access to the resource. The condition may include an obligation to be fulfilled and a message providing instruction regarding how to fulfill the obligation. The apparatus may generate a decision token representing the condition, and communicate the decision token to a resource provider to facilitate enforcement of the condition.

Method and apparatus for token-based conditioning

According to one embodiment, an apparatus may monitor a session that facilitates a user's access to a resource. The user may be granted a privilege associated with accessing the resource. The apparatus may detect a change associated with the privilege granted to the user in at least one token of a plurality of tokens. The apparatus may then communicate a token that represents the change, and receive a risk token associated with the token. The apparatus may then determine to revoke the privilege based on the risk token, and generate a second token that represents the determination to revoke the privilege. The apparatus may then communicate the second token to facilitate the revoking of the privilege.

Method and apparatus for token-based reassignment of privileges

According to one embodiment, an apparatus may receive a hard token that identifies a device and a subject token indicating that a user is a high priority user. The subject token may include a user identifier associated with the high priority user. The apparatus may apply a token-based rule that facilitates packet prioritization in response to receiving the subject token. In response to applying the token-based rule, the apparatus may communicate a notification token to at least one network component. The notification token may include the user identifier associated with the high priority user, the device identifier associated with the device, and instructions to prioritize any packet communications associated with the user identifier or the device identifier. The apparatus may then communicate at least one token to facilitate the provisioning of a container to the device associated with the high priority user.

Method and apparatus for token-based packet prioritization

According to one embodiment, an apparatus may receive a token that indicates a change that occurs during a session. The session may facilitate access to a resource. The token may indicate a risk token should be computed. The apparatus may determine, from the token, a first set of attributes. The first set of attributes may include attributes required to compute the risk token. The apparatus may determine that a cache contains a set of cached attributes. The apparatus may examine an attribute in the set of cached attributes, and determine the attribute in the set of cached attributes is not in the first set of attributes. The apparatus may then remove the attribute in the set of cached attributes from the cache.

Method and apparatus for token-based context caching

According to one embodiment, an apparatus may store a plurality of tokens that indicate a user is using a device to access a resource over a network. The apparatus may detect at least one token indicating a change associated with at least one of the device, the network, or the resource. The apparatus may then determine to re-authenticate the user in response to the change. The apparatus may then request a password generated using personal information of the user, and receive a re-authentication token comprising the password generated using personal information of the user. The apparatus may then request, from the user, a second password. The request for the second password may include instructions on how to form the second password. The apparatus may receive a response comprising the second password and determine that the second password matches the password. The apparatus may then re-authenticate the user.

Method and apparatus for token-based re-authentication

According to one embodiment, an apparatus may store a plurality of token-based rules that facilitate access to a risk-sensitive resource. The apparatus may further store a first token that may indicate that a user is accessing a non-risk-sensitive resource. The apparatus may receive a second token that may indicate that the user is attempting to access the risk-sensitive resource. In response to receiving the second token, the apparatus may apply the token-based rule to make an access decision whereby the user's access to the non-risk-sensitive resource will be terminated. The apparatus may then communicate at least one token representing the access decision.

Method and apparatus for token-based token termination

According to one embodiment, an apparatus may store a virtual machine token associated with a virtual machine running on a particular device and a secure image of the virtual machine. The virtual machine token may include a timestamp indicating when the virtual machine was established. The apparatus may receive a token indicating that the particular device is attempting to access a resource. In response, checking the validity of the virtual machine running on the particular device based at least in part upon the timestamp associated with the virtual machine token and a time threshold associated with the virtual machine. If the virtual machine is invalid, then the apparatus may communicate at least one token to initiate the recycling of the virtual machine by replacing the invalid virtual machine with the stored secure image of the virtual machine.

Growing community of inventors

Leesburg, VA, United States of America

Rajat P Badhwar