Patent ID: 11961078
Assignee: BANK OF AMERICA CORPORATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A cardless payment architecture comprising:
a point-of-sale (“POS”) device comprising:
a keypad configured to receive a sequence of keypresses as authentication for a cardless transaction;
a processor configured to record the sequence of keypresses and tag each keypress with a timestamp;
a keypress controller configured to determine from the sequence of keypresses:
a number of keypresses;
a frequency of each keypress, the frequency comprising a rate of keypresses per unit of time; and
a time-delay between each keypresss, the time-delay calculated based off of the timestamp tagged to each keypress; and

the processor further configured to:
store the sequence, the timestamp, the number of keypresses, the frequency and the time-delay as authentication data for the cardless transaction;
encrypt the authentication data; and
transmit the encrypted authentication data to the secure payment network for verification;

the secure payment network comprising:
a machine-learning (“ML”) pattern identifier configured to:
decrypt, by the secure payment network, the authentication data; and
identify, by the secure payment network, a pattern to the sequence of keypresses based on the determined number of keypresses, the determined frequency and the determined time-delay; and

a pattern verification controller configured to verify that the identified pattern matches to a stored pattern associated with an entity, the matching to authenticate the cardless transaction, the verifying comprising confirming that:
the number of keypresses is equal to a stored number of keypresses;
the frequency of the keypresses is within a pre-determined range of a stored frequency of keypresses; and
the time-delay between each keypress is within a pre-determined range of a stored number of time for each time-delay.