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:
May. 13, 2025
Filed:
Feb. 07, 2022
Bank of America Corporation, Charlotte, NC (US);
Udaya Kumar Raju Ratnakaram, Telangana, IN;
Srilaxmi Sreepalli, Hyderabad, IN;
Mallidi Bhagya Lakshmi Sudha Lavanya, Hyderabad, IN;
Bank of America Corporation, Charlotte, NC (US);
Abstract
Arrangements for account linking and dynamic device selection are provided. Registration data including one or more user accounts and/or payment devices may be received. A request to process a transaction may be received via a first device. User data may be retrieved to identify other devices. One or more external entities may provide user profile data including raw customer data and encrypted authentication data. A hash of the encrypted authentication data may be generated and stored. The system may dynamically generate a rendering displaying one or more payment devices available for selection. A second payment device may be selected and authentication data associated with the second payment device received. A hash of the authentication data may be generated and compared to the stored hash of the encrypted authentication data. If the hashes match, the transaction may be processed. If there is not a match, the transaction may be denied.