US 12,750,679 B2Granted

Resource exchange event verification based on subscriber identity module (SIM) card feature comparison

AssigneeBank of America Corporation

InventorShailendra Singh

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Abstract

An intelligent system for resource exchange event verification/authentication based on a comparison between the known Subscriber Identity Module (SIM) card features and the real-time extracted SIM card features. SIM card features are initially extracted from the SIM card of a user's mobile communication device and stored in a SIM card feature file that is associated with the user's mobile communication device. Subsequently, when the mobile communication device initiates a resource exchange event, the current SIM card features are extracted from the SIM card currently residing in the mobile communication device and compared to those SIM card features in the SIM card feature file. The comparison is an intelligent comparison that takes into account, normal changes that may have occurred between the generation of the SIM card feature file and time of the resource exchange event. If the comparison results in no abnormal changes, the resource exchange event is deemed to verified/authenticated and further processing may ensue.

Claims20

Dependent claims

A system for resource exchange event verification, the system comprising:

a mobile communication device in possession of a user and including Subscriber Identity Module (SIM) card receptacle for receiving a SIM card;
a first computing platform including a first memory and one or more first processing devices in communication with the first memory, wherein the first memory stores a SIM card feature extraction and file generator engine that is executable by at least one of the one or more first processing devices and is configured to:
extract a plurality of baseline SIM card features from an initial SIM card residing in the SIM card receptacle;
generate a SIM card file that is based on the baseline SIM card features and associated with the mobile communication device;
and
store the SIM card file in the first memory;
and
a second computing platform including a second memory and one or more second processing devices in communication with the second memory, wherein the second memory stores a resource exchange event verification engine that is executable by at least one of the one or more second processing devices and is configured to:
receive a signal from the mobile communication device that indicates initiation of a resource exchange event;
in response to receiving the signal, receive a plurality of SIM card features from a SIM card currently residing in the SIM card receptacle of the mobile communication device;
perform a comparison between (i) the current SIM card features, and (ii) the baseline SIM card features in the SIM card file associated with the mobile communication device;
and
in response to the comparison exhibiting a match between the (i) the SIM card features, and (ii) the baseline SIM card features in the SIM card file, authorize further processing of the resource exchange event, and
wherein the SIM card feature extraction and file generator engine is further configured to cause the one or more first processing devices to:
periodically, over time, extract the plurality of baseline SIM card features from the SIM card residing in the SIM card receptacle;
determine changes between the baseline SIM card features currently extracted and the baseline SIM card features in the SIM card file;
update the SIM card file based on the changes to the baseline SIM card features;
and
store the updated SIM card file in the first memory.

16 more elements

A computer-implemented method for resource exchange event verification, the computer-implemented method is executable by one or more computing processor devices, the method comprising:

extracting a plurality of baseline SIM card features from an initial SIM card residing in A SIM card receptacle of a mobile communication device in possession of a user;
generating, and storing in memory, a SIM card file that is based on the baseline SIM card features and associated with the mobile communication device;
receiving a signal from the mobile communication device that indicates initiation of a resource exchange event;
in response to receiving the signal, extracting a plurality of SIM card features from a SIM card residing in the SIM card receptacle of the mobile communication device;
accessing the memory to perform a comparison between (i) the current SIM card features, and (ii) the baseline SIM card features in the SIM card file associated with the mobile communication device;
in response to the comparison exhibiting a match between the (i) the SIM card features, and (ii) the baseline SIM card features in the SIM card file, authorizing further processing of the resource exchange event;
periodically, over time, extracting the plurality of baseline SIM card features from the SIM card residing in the SIM card receptacle;
determining changes between the baseline SIM card features currently extracted and the baseline SIM card features in the SIM card file;
and
updating and storing in the memory, the SIM card file, based on the changes to the baseline SIM.

7 more elements

A computer program product stored on a non- transitory computer-readable storage medium, the non-transitory computer-readable storage medium comprising:

a first set of codes for causing a computer to extract a plurality of baseline SIM card features from an initial SIM card residing in the SIM card receptacle of a mobile communication device in possession of a user;
a second set of codes for causing a computer to generate, and storing in memory, a SIM card file that is based on the baseline SIM card features and associated with the mobile communication device;
a third set of codes for causing a computer to receive a signal from the mobile communication device that indicates initiation of a resource exchange event;
a fourth set of codes for causing a computer to, in response to receiving the signal, extract a plurality of SIM card features from a SIM card currently residing in the SIM card receptacle of the mobile communication device;
a fifth set of codes for causing a computer to access the memory to perform a comparison between (i) the SIM card features, and (ii) the baseline SIM card features in the SIM card file associated with the mobile communication device;
and
a sixth set of codes for causing a computer to, in response to the comparison exhibiting a match between the (i) the SIM card features, and (ii) the baseline SIM card features in the SIM card file, authorizing further processing of the resource exchange event, a seventh set of codes for causing a computer to periodically, over time, extract the plurality of baseline SIM card features from the initial SIM card residing in the SIM card receptacle;
an eighth set of codes for causing a computer to determine changes between the baseline SIM card features currently extracted and the baseline SIM card features in the SIM card file;
and
a ninth set of codes for causing a computer to update, and store in the memory, the SIM card file, based on the changes to the baseline SIM.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 19/017,628Filed 11 Jan 2025 · continuation
Priority: 30 Aug 2022
Published: US 2025/0150835 A18 May 2025
Granted: 29 Sep 2026
Term ends: Not estimatedThe source records don’t support an estimate.

Classification4 codes

H04W 12/72
Identity-dependent: subscriber identity
H04W 12/08
Security arrangements; Authentication; Protecting privacy or anonymity: access security
H04W 12/121
Detection or prevention of fraud: wireless intrusion detection systems [WIDS]; Wireless intrusion prevention systems [WIPS]
H04W
Wireless communication networks

Family

Application17/898,833Parent of this continuation · filed 30 Aug 2022
US 2025/0150835 A1Pre-grant publication · published 8 May 2025
US 12,231,901 B2Parent of this continuation
US 2024/0073696 A1Published application
US 12,750,679 B2This patent

From the US filing history. Foreign family members aren’t listed.