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:
Aug. 19, 2025
Filed:
Oct. 11, 2022
Bank of America Corporation, Charlotte, NC (US);
Timucin Ozugur, Fairview, TX (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
A system for enhancing multi-factor authentication comprises a processor associated with a server. The processor receives a first request with user identity data to access an application service from a user device. The processor generates a multi-factor authentication code to verify a user identity and a user device. The processor implements a customized operation rule with the multi-factor authentication code and a customized security code to generate an enhanced multi-factor authentication code. The processor presents the multi-factor authentication code to the user device with a response for the user to provide the enhanced multi-factor authentication code. The processor determines whether a user input code matches the enhanced multi-factor authentication code. In response to determining that the user input code matches the enhanced multi-factor authentication code, the processor authorizes the user device associated with the user to interact with the entity, such as, for example, to implement the application service.