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:
Jul. 29, 2025
Filed:
Jul. 26, 2022
Bank of America Corporation, Charlotte, NC (US);
Richard S. Scot, Huntersville, NC (US);
Graham Wyllie, Charlotte, NC (US);
Kelly Renee-Drop Keiter, Waxhaw, NC (US);
Robert Nyeland Huggins, Charlotte, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Arrangements for providing frictionless unauthorized activity detection and user authentication are provided. In some aspects, user data, such as transaction data may be received and used to train a machine learning model. In some examples, the machine learning model may be executed to generate one or more expected user patterns. In some arrangements, a request for transaction may be received. The request for transaction may include transaction details. In response, the system may request current geo-location data of a user. In some examples, the transaction details and geo-location data may be analyzed (e.g., compared to the expected user patterns) to generate an authentication output. The authentication output may then be transmitted to one or more systems to process the requested transaction, prevent transaction processing, or the like.