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 a hash of a static password and a hash of a lot-one authentication string from a user device of a user. After an initial validation, an authentication matrix is generated. A block selection process is performed to select spurious and authentication blocks from the authentication matrix. The authentication blocks are selected based on a lot-two authentication string associated with the lot-one authentication string. In response to determining that the spurious and authentication blocks are selected according to a block selection sequence stored in a user profile of the user, 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 that is stored in the user profile, the user is authenticated.