Patent ID: 11935055
Assignee: BANK OF AMERICA CORPORATION
Field: Audio-visual technology (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 11:
12. A non-transitory computer-readable medium storing software instructions that when executed by a processor cause the processor to:
receive a transaction request from a user interface of an automated teller machine (ATM);
in response to receiving the transaction request, verify a user by performing a multi-factor authentication comprising at least a first authentication operation and a second authentication operation, comprising:
fetching a first image of an authentication media item from a memory, wherein:
the authentication media item comprises at least one of a barcode and a Quick Response (QR) code;
the authentication media item is associated with a unique code; and
the unique code is a unique identifier used for authenticating the user;

triggering a camera of the ATM to capture a second image of the authentication media item when the authentication media item is presented to the ATM;
comparing the first image of the authentication media item with the second image of the authentication media item, comprising:
extracting a first unique code embedded in the first image of the authentication media item;
extracting a second unique code embedded in the second image of the authentication media item;
comparing the first unique code with the second unique code; and
determining whether the first unique code corresponds to the second unique code;

determining whether the first image of the authentication media item corresponds to the second image of the authentication media item; and
wherein the second authentication operation comprises:
 accessing historical transaction requests associated with the user, wherein the historical transaction requests comprise a time range of the historical transaction requests;
 identifying a first timestamp associated with the transaction request; and
 determining whether the first timestamp is within the time range of the historical transaction requests; and

in response to determining that the first image of the authentication media item corresponds to the second image of the authentication media item and that the first time stamp is within the time range of the historical transaction requests, conducting the transaction request.