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. 20, 2025
Filed:
Aug. 23, 2022
Bank of America Corporation, Charlotte, NC (US);
Sandeep Verma, Haryana, IN;
Pavan Chayanam, Alamo, CA (US);
Srinivas Dundigalla, Waxhaw, NC (US);
Nandini Rathaur, Mumbai, IN;
Bank of America Corporation, Charlotte, NC (US);
Abstract
Arrangements for generating and using client-side generated one-time passcodes (OTP) for transaction processing are provided. A request to register a user and/or user computing device for client-side OTP processing may be received. A request to register a merchant for client-side OTP processing may also be received and, in respond, a unique access key unique to the merchant may be generated and transmitted to one or more devices. A request to process a transaction may be received and may include the unique access key, transaction details, and user device data. The request may be analyzed to determine whether one or more criteria are met. If so, client-side OTP functions may be enabled. If not, client-side OTP functions might not be enabled and, instead, a request for additional authentication data may be generated and transmitted to the user computing device for display.