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:
Sep. 02, 2025
Filed:
May. 12, 2022
Bank of America Corporation, Charlotte, NC (US);
Tony England, Tega Cay, SC (US);
Steven Michael Twombly, Saco, ME (US);
Robertson Walters Greenbacker, Charlotte, NC (US);
Bradley Ryan Holland, Huntersville, NC (US);
Sara A. Walsh, West Chester, PA (US);
BANK OF AMERICA CORPORATION, Charlotte, NC (US);
Abstract
A system is provided for implementing dynamic authentication restrictions for resource instrument use. In particular, the system may be configured to implement a spectrum of resource transfer restrictions on a device level, resource transfer instrument level, and/or resource transfer type level, where the restrictions may be implemented based on user input and/or automatically through machine learning processes. In some embodiments, the system may implement dynamic resource restrictions per resource transfer based on a trained machine learning model. In this way, the system may provide an efficient and secure way to implement resource transfer restrictions.