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.
Patent No.:
Date of Patent:
Sep. 17, 2024
Filed:
Dec. 17, 2021
Bank of America Corporation, Charlotte, NC (US);
Ra Uf Ridzuan Bin Ma Arof, Singapore, SG;
Harish Tammaji Kulkarni, Singapore, SG;
Kumudini Choyal, Tung Chung, HK;
Nhat Minh Nguyen, Singapore, SG;
Surendran Surendran, Singapore, SG;
Bank of America Corporation, Charlotte, NC (US);
Abstract
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.