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

Claim 6:
7. A computer program product for scheme evaluation authenticating with at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
an executable portion configured for 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;
an executable portion configured for generating user idiosyncrasy database with the learned user actions, wherein the idiosyncrasy database extracts user action idiosyncrasies from user actions;
an executable portion configured for identifying an authentication event initiation associated with the user, wherein the authentication event includes a failed login;
an executable portion configured for extracting user action idiosyncrasies associated with the authentication event;
an executable portion configured for 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;
an executable portion configured for matching user action idiosyncrasies from the user idiosyncrasy database to user action idiosyncrasies associated with the authentication event; and
an executable portion configured for 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.