Invention Grant
- Patent Title: Real-time authentication using a mobile device on a high generation cellular network
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Application No.: US16520661Application Date: 2019-07-24
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Publication No.: US11317280B2Publication Date: 2022-04-26
- Inventor: Thomas Sodano
- Applicant: Bank of America Corporation
- Applicant Address: US NC Charlotte
- Assignee: Bank of America Corporation
- Current Assignee: Bank of America Corporation
- Current Assignee Address: US NC Charlotte
- Agency: Banner & Witcoff, Ltd.
- Main IPC: H04W12/06
- IPC: H04W12/06 ; G06Q20/40 ; G06F16/29 ; H04W12/63

Abstract:
Aspects of the disclosure relate to methods, systems, and computing platforms for authenticating activity on another computing device in real-time using a mobile device on a high generation cellular network. Aspects of the disclosure leverage and utilize a user's mobile device connected to a high generation cellular network to collect and analyze data about a user to seamlessly identify and prevent potentially fraudulent transactions. More specifically, the present disclosure uses high generation cellular networks, such as a fifth-generation (“5G”) cellular network, to seamlessly, frequently, and repeatedly monitor a user through a 5G mobile device to provide a variation on two-factor authentication. Aspects of the disclosure provide effective, efficient, scalable, fast, reliable, and convenient technical solutions that address and overcome the technical problems associated with monitoring and preventing in real-time potential fraudulent transactions without burdening users (e.g., credit card holders, debit card holders, account holders, and others).
Public/Granted literature
- US20210029540A1 REAL-TIME AUTHENTICATION USING A MOBILE DEVICE ON A HIGH GENERATION CELLULAR NETWORK Public/Granted day:2021-01-28
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