Granted Patent B2

US 12,401,641 · App. 18/675,004 · Granted Aug 26, 2025

Inventors: Puneetha Polasa (Telangana, IN); Sandeep Kumar Chauhan (Hyderabad, IN); Bhagya Lakshmi Sudha Lavanya Mallidi (Hyderabad, IN); Udaya Kumar Raju Ratnakaram (Telangana, IN)

Assignee: BANK OF AMERICA CORPORATION

H04L63/0861H04L63/102H04L63/126

Abstract

Claims (81)

1. A system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device; and

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to:

identify initiation of an interaction by a user, via a resource distribution device;

receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device;

verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device;

receive a completion request from an interaction server to complete the interaction;

validate that the digital resource is registered to the user;

determine that the validation is successful;

perform multi-level authentication to authorize completion of the interaction;

complete the interaction in response to performing the multi-level authentication;

receive one or more digital resources from a user;

link the one or more digital resources with one or more resource distribution devices associated with the user, wherein the one or more resource distribution devices comprise the resource distribution device and the one or more or digital resources comprise the digital resource;

determine value of the one or more digital resources;

categorize the one or more digital resources into the one or more tiered digital resources based on the value of the digital resources; and

assign each of the one or more tiered digital resources to one or more levels of interactions performed using the one or more resource distribution devices.

2. The system according to claim 1 , wherein the processing device is further configured to execute the computer-readable program code to identify the initiation of the interaction based on receiving an indication from the resource distribution device.

3. The system according to claim 1 , wherein the processing device is further configured to execute the computer-readable program code to identify the initiation of the interaction based on receiving an indication from the entity device, wherein the interaction is initiated at the entity device by the user.

4. The system of claim 1 , wherein the processing device is further configured to execute the computer-readable program code to:

in response to identifying initiation of the interaction, identify an interaction level associated with the interaction;

select a tiered digital resource from the one or more tiered digital resources associated with the interaction level;

dynamically transmit the tiered digital resource to the resource distribution device to display the tiered digital resource on the resource distribution device, wherein the tiered digital resource is the digital resource.

5. The system according to claim 1 , wherein the processing device is further configured to execute the computer-readable program code to perform the multi-level authentication based on:

prompting the user to provide a fingerprint, via a fingerprint scanner located on the resource distribution device;

receiving the fingerprint from the user, via the fingerprint scanner;

verifying that the fingerprint received via the fingerprint scanner matches a stored fingerprint; and

authorizing the interaction based on verifying that the fingerprint received via the fingerprint scanner matches the stored fingerprint.

6. The system according to claim 5 , wherein the stored fingerprint is stored in the entity system or a memory of the resource distribution device.

7. A computer program product for authenticating interactions with dynamically varying digital resources linked to resource distribution devices, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising executable portions for:

identifying initiation of an interaction by a user, via a resource distribution device;

receiving a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device;

verifying that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device;

receiving a completion request from an interaction server to complete the interaction;

validating that the digital resource is registered to the user;

determining that the validation is successful;

performing multi-level authentication to authorize completion of the interaction; and

completing the interaction in response to performing the multi-level authentication.

8. The computer program product of claim 7 , wherein the computer-readable program code portions comprising executable portions for identifying the initiation of the interaction based on receiving an indication from the resource distribution device.

9. The computer program product of claim 7 , wherein the computer-readable program code portions comprising executable portions for identifying the initiation of the interaction based on receiving an indication from the entity device, wherein the interaction is initiated at the entity device by the user.

10. The computer program product of claim 7 , wherein the computer-readable program code portions comprising executable portions for:

receiving one or more digital resources from the user;

linking the one or more digital resources with one or more resource distribution devices associated with the user, wherein the one or more resource distribution devices comprise the resource distribution device and the one or more or digital resources comprise the digital resource;

determining value of the one or more digital resources;

categorizing the one or more digital resources into one or more tiered digital resources based on the value of the digital resources; and

assigning each of the one or more tiered digital resources to one or more levels of interactions performed using the one or more resource distribution devices.

11. The computer program product of claim 10 , wherein the computer-readable program code portions comprising executable portions for:

in response to identifying initiation of the interaction, identifying an interaction level associated with the interaction;

selecting a tiered digital resource from the one or more tiered digital resources associated with the interaction level;

dynamically transmitting the tiered digital resource to the resource distribution device to display the tiered digital resource on the resource distribution device, wherein the tiered digital resource is the digital resource.

12. The computer program product of claim 7 , wherein the computer-readable program code portions comprising executable portions for performing the multi-level authentication based on:

prompting the user to provide a fingerprint, via a fingerprint scanner located on the resource distribution device;

receiving the fingerprint from the user, via the fingerprint scanner;

verifying that the fingerprint received via the fingerprint scanner matches a stored fingerprint; and

authorizing the interaction based on verifying that the fingerprint received via the fingerprint scanner matches the stored fingerprint.

13. A computer-implemented method for authenticating interactions with dynamically varying digital resources linked to resource distribution devices, the method comprising:

identifying initiation of an interaction by a user, via a resource distribution device;

receiving a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device;

verifying that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device;

receiving a completion request from an interaction server to complete the interaction;

validating that the digital resource is registered to the user;

determining that the validation is successful;

performing multi-level authentication to authorize completion of the interaction;

completing the interaction in response to performing the multi-level authentication;

receive one or more digital resources from a user;

link the one or more digital resources with one or more resource distribution devices associated with the user, wherein the one or more resource distribution devices comprise the resource distribution device and the one or more or digital resources comprise the digital resource;

determine value of the one or more digital resources;

categorize the one or more digital resources into the one or more tiered digital resources based on the value of the digital resources; and

assign each of the one or more tiered digital resources to one or more levels of interactions performed using the one or more resource distribution devices.

14. The computer-implemented method of claim 13 , wherein the method comprises identifying the initiation of the interaction based on receiving an indication from the resource distribution device.

15. The computer-implemented method of claim 13 , wherein the method comprises identifying the initiation of the interaction based on receiving an indication from the entity device, wherein the interaction is initiated at the entity device by the user.

16. The computer-implemented method of claim 13 , wherein the method further comprises:

in response to identifying initiation of the interaction, identifying an interaction level associated with the interaction;

selecting a tiered digital resource from the one or more tiered digital resources associated with the interaction level;

dynamically transmitting the tiered digital resource to the resource distribution device to display the tiered digital resource on the resource distribution device, wherein the tiered digital resource is the digital resource.

17. The computer-implemented method of claim 13 , wherein the method comprises performing the multi-level authentication based on:

prompting the user to provide a fingerprint, via a fingerprint scanner located on the resource distribution device;

receiving the fingerprint from the user, via the fingerprint scanner;

verifying that the fingerprint received via the fingerprint scanner matches a stored fingerprint; and

authorizing the interaction based on verifying that the fingerprint received via the fingerprint scanner matches the stored fingerprint.

18. The computer-implemented method of claim 17 , wherein the stored fingerprint is stored in the entity system or a memory of the resource distribution device.

Assignments (1)

Continuity (2)

References Cited (27)