US Patent Application 17824360. SYSTEM FOR IMPLEMENTING DYNAMIC MULTI-FACTOR SOFT LOCK ON USER IDENTIFIERS simplified abstract

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SYSTEM FOR IMPLEMENTING DYNAMIC MULTI-FACTOR SOFT LOCK ON USER IDENTIFIERS

Organization Name

BANK OF AMERICA CORPORATION

Inventor(s)

Adithya Gadwale of Falls Church VA (US)

Phanta Danielle Wynn of Charlotte NC (US)

SYSTEM FOR IMPLEMENTING DYNAMIC MULTI-FACTOR SOFT LOCK ON USER IDENTIFIERS - A simplified explanation of the abstract

This abstract first appeared for US patent application 17824360 titled 'SYSTEM FOR IMPLEMENTING DYNAMIC MULTI-FACTOR SOFT LOCK ON USER IDENTIFIERS

Simplified Explanation

The abstract describes a system, computer program, and method for implementing a dynamic multi-factor soft lock on user identifiers within a distributed network.

  • The invention receives a network registration request from a user to obtain authorization for resource transfers within the network using a user identifier.
  • It queries metadata associated with the user in the network to find traceable instances of the user's digital activities.
  • Based on this metadata, it determines one or more user identifiers.
  • It then executes a soft lock on these user identifiers using an authentication subsystem.
  • After approving the authorization, it transmits control signals to display the authorization on the user's device.

Overall, the invention aims to enhance security and authentication processes within a distributed network by implementing a dynamic multi-factor soft lock on user identifiers.


Original Abstract Submitted

Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.

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