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. 09, 2025
Filed:
Jul. 05, 2023
Bank of America Corporation, Charlotte, NC (US);
George Anthony Albero, Charlotte, NC (US);
Maharaj Mukherjee, Poughkeepsie, NY (US);
BANK OF AMERICA CORPORATION, Charlotte, NC (US);
Abstract
Alternative distribution/communication of and access to One-Time Passwords/Passcodes (OTPs). Triggering events are detected that result in the OTP being communicated to a communication device different from the device designated by the user for receiving OTPs. The triggering event may be determination that the user's designated device (i) is not currently in possession of the user, (ii) is located in a geo-location designated for No-OTP receipt, and/or (iii) is currently in an inoperable state. The different communication device may be a device other than one in possession/control of the user and may be a device designated by the user or the device may be one selected, based on proximity of location to the user, from a network of trusted devices/individuals.