Patent ID: 11880440
Assignee: BANK OF AMERICA CORPORATION
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 12:
13. A computer-implemented method for scheme evaluation authenticating, the method comprising:
providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations:
learning user actions on a user device and a third party device, wherein learning user actions comprises deploying one or more bots to a user device or a third party device to record user actions;
generating user idiosyncrasy database with the learned user actions, wherein the idiosyncrasy database extracts user action idiosyncrasies from user actions;
identifying an authentication event initiation associated with the user, wherein the authentication event includes a failed login;
extracting user action idiosyncrasies associated with the authentication event;
applying natural language processing is to the failed login attempt to determine if the failed login attempt password is a predicted password based on user historic passwords;
matching user action idiosyncrasies from the user idiosyncrasy database to user action idiosyncrasies associated with the authentication event; and
allowing a continuum of authentication based on an amount of user action idiosyncrasies matched, wherein the authentication is irrespective of the failed login attempt at the authentication event initiation associated with the user.