Patent ID: 11876795
Assignee: BANK OF AMERICA CORPORATION
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 18:
19. The computer program product of claim 18, wherein constructing the first authorized credential element for processing of the resource activity at the first time interval prior to initiation of the resource activity, further comprises:
generating, via a resource instrument device application, resource processing data for processing of a resource activity at a first time interval, prior to initiation of the resource activity, wherein the resource processing data is associated with a user, wherein the resource processing data comprises a unique identifier associated with the user;
pre-authenticating, via the resource instrument device application, the resource processing data for authorizing processing of the resource activity prior to initiation of the resource activity;
transforming, via the resource instrument device application, the pre-authenticated resource processing data to construct a first authorized credential element such that the first authorized credential element is compatible with the resource instrument device; and
providing the first authorized credential element at the resource instrument device.