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:
Nov. 11, 2025
Filed:
May. 08, 2023
Bank of America Corporation, Charlotte, NC (US);
Olga Kocharyan, Matthews, NC (US);
BANK OF AMERICA CORPORATION, Charlotte, NC (US);
Abstract
Systems, computer program products, and methods are described herein for partial pool credentialing and authentication. The present invention is configured to receive a user request to access an account within a virtual environment using minimal authentication input from the user. Next, the system determines a set of contacts of the account comprising other accounts within the virtual environment that have a relationship with the user's account. The system may then transmit a request to the contacts for partial authentication credentials associated with the first account. The system then receives submitted partial authentication credentials from the contacts, determines that the submitted partial authentication credentials match the partial authentication credentials associated with the user's account, and authenticates the user to access the first account within the virtual environment. The authentication pool of the user and contacts can be monitored over time for improved security.