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:
Oct. 21, 2025
Filed:
Oct. 10, 2023
Bank of America Corporation, Charlotte, NC (US);
Ravi Joshi, Pennington, NJ (US);
Anna Kristen Pingel Berry, Indian Land, SC (US);
Olga Caroline Kocharyan, Matthews, NC (US);
Luqman Abdul Hakeem Sharief, Libertyville, IL (US);
Shweta Ambulkar, Plainsboro, NJ (US);
Angela F. Ianni, Lincoln, RI (US);
Michael William Whitaker, Fort Worth, TX (US);
Benjamin Daniel Hardman, Harrisburg, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
A method includes receiving hashes of a static password and a lot-one authentication string from a user device of a user. After an initial validation, a first authentication matrix (AM) is generated. A block selection process is performed to select spurious and authentication blocks. While performing the block selection process, the first AM is replaced by a second AM, such that a first authentication block is selected from the first AM based on a first lot-two authentication string and a second authentication block is selected from the second AM based on a second lot-two authentication string. A dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password stored in a user profile, the user is authenticated.