Patent ID: 11962706
Assignee: BANK OF AMERICA CORPORATION
Field: IT methods for management (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 0:
1. A computing platform, comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
a memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
receive registration data, the registration data including data associated with a plurality of payment devices associated with a user, each payment device of the plurality of payment devices being associated with a respective entity;
receive, via a vendor computing device, a request to initiate a transaction, the request to initiate the transaction including a customer identifier;
retrieve, based on the customer identifier, user information associated with the user;
transmit, via a secure application programming interface (API) call method, a request for user profile data to each respective entity associated with each payment device of the plurality of payment devices;
receive, from each respective entity associated with each payment device of the plurality of payment devices, user profile data, the user profile data including encrypted authentication data associated with each respective payment device and raw user data;
segregate the encrypted authentication data from the raw user data for each user profile received;
generate, for each user profile received, an encrypted hash of the segregated encrypted authentication data;
store, for each user profile received, the encrypted hash of the segregated encrypted authentication data;
dynamically generate a rendering including each payment device of the plurality of payment devices;
transmit the rendering to the vendor computing device;
receive, from the vendor computing device, selection of a first payment device of the plurality of payment devices;
generate a request for user authentication data and instruction to initiate a handshake protocol between the vendor computing device and a user computing device;
transmit the request for user authentication data and instruction to initiate the handshake protocol to the vendor computing device;
receive an indication that the handshake protocol was successful;
receive, from one of the vendor computing device and the user computing device, authentication response data;
generate an encrypted hash of the authentication response data;
compare the encrypted hash of the authentication response data to an encrypted hash of the segregated encrypted authentication data for the first payment device;
responsive to determining that the encrypted hash of the authentication response data matches the encrypted hash of the segregated encrypted authentication data for the first payment device, process the transaction; and
responsive to determining that the encrypted hash of the authentication response data does not match the encrypted hash of the segregated encrypted authentication data for the first payment device, deny the transaction.