Bank of America Corporation

Ravi Joshi

Benjamin Daniel Hardman

Anna Kristen Pingel Berry

Shweta Ambulkar

Olga Kocharyan

Angela Ianni

Luqman Sharief

Michael Wm Whitaker

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.

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Pennington, NJ, United States of America

Ravi Joshi