Patent ID: 11902366
Assignee: BANK OF AMERICA CORPORATION
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 0:
1. A system for implementing dynamic multi-factor soft lock on user identifiers, the system comprising:
at least one non-transitory storage device; and
at least one processor coupled to the at least one non-transitory storage device, wherein the at least one processor is configured to:
electronically receive, from a first user input device, a first network registration request from a first user to obtain authorization to execute a first resource transfer within a distributed network using a first user identifier;
query, using an information retrieval engine, metadata associated with the first user within the distributed network for traceable instances of digital activities of the first user;
determine one or more user identifiers of the first user based on at least the metadata associated with the first user;
execute, using an authentication subsystem, a soft lock on the one or more user identifiers; and
authorize the first network registration request for the first user, wherein authorizing further comprises allowing first user to execute the first resource transfer within the distributed network using the first user identifier, wherein authorizing the first network registration request further comprises:
transmitting an authorization code to the first user input device;
receiving, from a second user input device, the authorization code input;
determining a geolocation information associated with the second user input device;
retrieving a geolocation information associated with the first user input device;
determining that the geolocation information associated with the second user input device matches the geolocation information associated with the first user input device; and
in response, authorizing the first network registration request for the first user.