Patent ID: 11968207
Assignee: BANK OF AMERICA CORPORATION
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 0:
1. An apparatus for reverse authentication between a user and an entity, the apparatus comprising:
a central server, the central server comprising:
a server communication link;
a server processor; and
a server non-transitory memory configured to store at least:
a server operating system; and
an authentication engine that runs on the server processor;

an entity hub, the entity hub comprising:
an entity hub communication link;
an entity hub processor;
an entity hub non-transitory memory configured to store at least:
an entity hub operating system; and
an entity authentication program that runs on the entity hub processor and communicates with the authentication engine;

a user device, the user device comprising:
a device communication link;
a device processor; and
a device non-transitory memory configured to store at least:
a device operating system; and
a device authentication program that runs on the device processor and communicates with the authentication engine;

wherein: when the server receives a request from the user device to communicate an authentication request to the entity through the authentication engine:
the server transmits the authentication request to the entity hub;
the entity hub receives the authentication request;
the entity hub, through the entity authentication program, responds to the authentication request with an authenticating response;
the entity hub transmits the authenticating response to the server; and
when the authentication engine confirms the authenticating response, the server authenticates the entity hub and transmits an authenticating result to the user device.