Patent ID: 11928661
Assignee: BANK OF AMERICA CORPORATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. The method of claim 12, wherein the method further comprises:
downgrading the authentication requirement level associated with the processing of the payment instrument from a first level to a second level, wherein meeting the second level of the authentication requirement level comprises requiring at least a reduced number of the one or more authentication credentials from the user compared to the first level of the authentication requirement level;
initiating a request to receive a second portion of the one or more authentication credentials from the user to endorse the payment instrument, wherein the second portion of the one or more authentication credentials meets the second level of the authentication requirement level but does not meet the first level of the authentication requirement level;
receiving the second portion of the one or more authentication credentials from the user to endorse the payment instrument; and
processing, in real-time, the payment instrument based on at least receiving the second portion of the one or more authentication credentials.