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:
Mar. 10, 2026
Filed:
Oct. 28, 2021
Bank of America Corporation, Charlotte, NC (US);
Saurabh Gupta, New Delhi, IN;
Bank of America Corporation, Charlotte, NC (US);
Abstract
Methods are provided for authenticating an initiator of a transaction during processing of the transaction. Methods may include initiating a transaction, including transaction details, at a transaction initiation node. Methods may include transmitting the transaction to a processing entity. Methods may include identifying that the transaction is above a threshold of anomalous transactions based on historic transactions associated with the transaction details. Methods may include transmitting an authorization request from the processing entity to a payment card linked to the transaction details. Methods may include receiving the authorization request at the payment card. Methods may include approving and/or denying the authorization request at the payment card. Approving and/or denying the request may include input of a signature and/or biometric. Methods may include transmitting the approval and/or denial from the payment card to the processing entity. The processing entity may transmit the approval and/or denial to the transaction initiation node.