ALEXANDRIA, Va., Oct. 8 -- United States Patent no. 12,438,974, issued on Oct. 7, was assigned to Bank of America Corp. (Charlotte, N.C.).

"User initiated entity verification" was invented by Kent Steger (Huntersville, N.C.), Ramakrishna Yannam (The Colony, Texas), Tao Huang (Issaquah, Wash.), Jorge Kara (Kirkland, Wash.), Sarah M. Fatemi (Los Angeles), Ali Salim (Redmond, Wash.), Anuradha Girish Sethuram (Frisco, Texas) and Christine Co (Renton, Wash.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Methods, apparatus, and systems for detection and remediation of an identified attempt of impersonation of a digital entity. The methods may include authenticating a call received by a user device. The methods may...