US Patent Issued to Bank of America on Sept. 23 for "Secure user authentication based on dynamically generated user prompts" (North Carolina Inventors)

ALEXANDRIA, Va., Sept. 23 -- United States Patent no. 12,423,698, issued on Sept. 23, was assigned to Bank of America Corp. (Charlotte, N.C.).

"Secure user authentication based on dynamically generated user prompts" was invented by George Albero (Charlotte, N.C.) and Amit Pandey (Charlotte, N.C.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Arrangements for providing dynamic user authentication are provided. In some aspects, a user may initiate a transaction at a merchant point-of-sale (POS) system, via a merchant website, or the like. In response, user data from one or more pre-registered user devices may be retrieved. The data may be analyzed to identify one or more data points for use as a correct answer...