The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Aug. 30, 2022

Filed:

Dec. 21, 2020
Applicant:

Royal Bank of Canada, Toronto, CA;

Inventors:

Edison U. Ortiz, Toronto, CA;

Mohammad Abuzar Shaikh, Toronto, CA;

Margaret Inez Salter, Toronto, CA;

Sarah Rachel Waigh Yean Wilkinson, Toronto, CA;

Arya Pourtabatabaie, Toronto, CA;

Iustina-Miruna Vintila, Bucharest, RO;

Steven Fernandes, Omaha, NE (US);

Sumit Kumar Jha, San Antonio, TX (US);

Assignee:

ROYAL BANK OF CANADA, Toronto, CA;

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06F 21/46 (2013.01); G06N 20/00 (2019.01); G06N 5/04 (2006.01); G06Q 20/10 (2012.01); G06K 9/62 (2022.01); G10L 15/25 (2013.01); G10L 15/02 (2006.01); G06V 40/16 (2022.01);
U.S. Cl.
CPC ...
G06F 21/46 (2013.01); G06K 9/6215 (2013.01); G06K 9/6272 (2013.01); G06N 5/04 (2013.01); G06N 20/00 (2019.01); G06Q 20/108 (2013.01); G06V 40/171 (2022.01); G10L 15/02 (2013.01); G10L 15/25 (2013.01); G06F 2221/2103 (2013.01); G10L 2015/025 (2013.01);
Abstract

Systems, devices, methods, and computer readable media are provided in various embodiments relating to generating a dynamic challenge passphrase data object. The method includes establishing, a plurality of data record clusters, representing a mutually exclusive set of structured data records of an individual, ranking the plurality of feature data fields based on a determined contribution value of each feature data field relative to the establishing of the data record cluster, and identifying, using the ranked plurality of feature data fields, a first and a second feature data field of the plurality of feature data fields. The method includes generating the dynamic challenge passphrase data object, wherein the first or the second feature data field is used to establish a statement string portion, and a remaining one of the first or the second feature data field is used to establish a question string portion and a correct response string.


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