US 11,893,587 B2Granted

System for enhanced authentication using non-fungible tokens (NFTs)

AssigneeBank of America Corporation

InventorsManu Jacob Kurian, Carl Parziale, David Smiddy, Harold Joseph Kennedy

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Abstract

Enhanced authentication at resource event apparatuses of a card device and, in some instances, the user of the card device. Card device-specific Non-Fungible Tokens (NFTs) are generated and, in some instance, user credential-specific NFTs are generated. The NFTs are stored within a distributed ledger of a distributed trust computing network, which provides verification as the uniqueness and authenticity of the NFTs. Once a resource event is initiated at a resource event apparatus, card device-related information and, in some instance, user credential-related information is received, and the information is compared to the corresponding NFT as a means of authenticating the card device and, in some instances, the card device and the linked user of the card device. As a result, the use of imitation card devices is prevented and, in some instances, the identity of the user of the card device is authenticated and deemed to be linked to the card device.

Claims19

Dependent claims

A system for enhanced authentication at a resource event apparatus, the system comprising;

a distributed trust computing network comprising a plurality of decentralized nodes, each decentralized node configured to store at least a portion of a distributed ledger comprising a plurality of data blocks;
a first computing platform including a first memory and at least one first processing device in communication with the first memory, wherein the first memory stores a non-fungible token generation sub-system that includes first instructions that are executable by the at least one first processing device and are configured to:
in response to producing a card device configured for executing resource events, use a hash algorithm to generate a first non-fungible token (NFT) associated with the card device, wherein at least a portion of an input to the hash algorithm is a first image of a facing of the card device, and
communicate the first NFT to the distributed trust computing network,
wherein in response to the distributed trust computing network receiving the first NFT, the decentralized nodes of the distributed trust computing network are configured to (i) reach a consensus on the first NFT to verify an authenticity of the first NFT, and (ii) generate a data block, within the distributed ledger, that stores the verified first NFT;
a second computing platform including a second memory and at least one second processing device in communication with the second memory and an image-capturing mechanism in communication with the second processing device, wherein the second memory stores an authentication sub-system that includes second instructions that are executable by the at least one second processing device and are configured to:
in response to a user presenting the card device at a resource event apparatus, receive first NFT-related information from at least one of (i) the card device or (ii) a digital wallet of the user, wherein receiving the first NFT-related information includes implementing the image-capturing mechanism to capture a second image of the facing of the card device, wherein the first NFT-related information comprises the second image of the facing of the card,
determine whether the first NFT-related information matches the first NFT stored on the distributed ledger of the distributed trust computing network,
in response to determining that the first NFT-related information matches the first NFT stored on the distributed ledger of the distributed trust computing network, authenticate the card device, and
in response to determining that the first NFT-related information does not match the first NFT stored on the distributed ledger of the distributed trust computing network, deny the user from conducting resource events at the resource event apparatus using the card device.

7 more elements

A computer-implemented method for enhanced authentication at a resource event apparatus, the computer-implemented method is executed by one or more processing devices and comprising;

in response to producing a card device configured for executing resource events, using a hash algorithm to generate a first non-fungible token (NFT) associated with the card device, wherein at least a portion of an input to the hash algorithm is a first image of a facing of the card device;
communicating the first NFT to a distributed trust computing network;
in response to the distributed trust computing network receiving the first NFT, (i) verifying the authenticity of the first NFT by a consensus of decentralized nodes of the distributed trust computing network reaching a consensus on the first NFT and (ii) generating a data block, within the distributed ledger, that stores the verified first NFT;
in response to a user presenting the card device at a resource event apparatus, receiving, at the resource event apparatus, first NFT-related information from at least one of (i) the card device or (ii) a digital wallet of the user, wherein receiving the first NFT-related information includes implementing an image-capturing mechanism at the resource event apparatus to capture a second image the facing of the card device, wherein the first NFT-related information comprises the second image of the facing of the card;
determining whether the first NFT-related information matches the first NFT stored on the distributed ledger of the distributed trust computing network;
in response to determining that the first NFT-related information matches the first NFT stored on the distributed ledger of the distributed trust computing network, authenticating the card device;
and
in response to determining that the first NFT-related information does not match the first NFT stored on the distributed ledger of the distributed trust computing network, denying the user from conducting resource events at the resource event apparatus using the card device.

5 more elements

A computer program product including a non-transitory computer-readable medium, the non-transitory computer-readable medium comprising:

a first set of codes for causing a computer to, in response to producing a card device configured for executing resource events, use a hash algorithm to generate a first non-fungible token (NFT) associated with the card device, wherein at least a portion of an input to the hash algorithm is a first image of a facing of the card device;
a second set of codes for causing a computer to communicate the first NFT to a distributed trust computing network;
a third set of codes for causing a computer to, in response to the distributed trust computing network receiving the first NFT, (i) verify the authenticity of the first NFT by a consensus of decentralized nodes of the distributed trust computing network reaching a consensus on the first NFT and (ii) generate a data block, within the distributed ledger, that stores the verified first NFT;
a fourth set of codes for causing a computer to, in response to a user presenting the card device at a resource event apparatus, receive, at the resource event apparatus, first NFT-related information from at least one of (i) the card device or (ii) a digital wallet of the user, wherein receiving the first NFT-related information includes implementing an image-capturing mechanism at the resource event apparatus to capture a second image the facing of the card device, wherein the first NFT-related information comprises the second image of the facing of the card;
a fifth set of codes for causing a computer to determine whether the first NFT-related information matches the first NFT stored on the distributed ledger of the distributed trust computing network;
and
a sixth set of codes for causing a computer to (a) in response to determining that the first NFT-related information matches the first NFT stored on the distributed ledger of the distributed trust computing network, authenticating the card device and, (b) in response to determining that the first NFT-related information does not match the first NFT stored on the distributed ledger of the distributed trust computing network, deny the user from conducting resource events at the resource event apparatus using the card device.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/547,997Filed 10 Dec 2021
Published: US 2023/0186309 A115 Jun 2023
Granted: 6 Feb 2024
Term ends: Not estimatedThe source records don’t support an estimate.

Classification14 codes

G06Q 20/4016
Transaction verification: involving fraud or risk level assessment in transaction processing
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems