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. 26, 2025
Filed:
Aug. 10, 2022
Bank of America Corporation, Charlotte, NC (US);
Robert Nyeland Huggins, Charlotte, NC (US);
Katherine Kei-Zen Dintenfass, Lincoln, RI (US);
Karen Lea Macqueen, Lyndhurst, OH (US);
BANK OF AMERICA CORPORATION, Charlotte, NC (US);
Abstract
Resource exchange event authentication predicated on user location that is determined from short-range wireless signals transmitted from a card or wearable device in possession of the user. Artificial Intelligence (AI), including Machine Learning (ML) techniques are relied on to determine an authentication rule and/or parameters for an authentication rule as part of the authentication process. Thus, at least a portion of the authentication rules and/or parameters, which may be based not only on the aforementioned determined location of the user, but also on other factors such as time, amount of resource exchange event, type of objects/services being exchanged in the event and the like, are determined intelligently and dynamically at the time that the resource exchange event occurs.