Patent ID: 11949716
Assignee: BANK OF AMERICA CORPORATION
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 19:
20. A method for secure channel selection for multi-factor authentication using non-fungible electronic resources, the method comprising:
electronically receiving, from a user input device, a request from a user to access resources, wherein the request comprises a first access type;
determining, using an identity verification engine, a first authentication channel for verification of user identity based on at least the first access type;
triggering an authentication channel validation engine to validate the first authentication channel;
retrieving, from an identity repository, authentication channel information associated with the first authentication channel;
determining, using the authentication channel validation engine, that the user has a non-fungible token (NFT) for the first authentication channel;
retrieving, from one or more metadata layers of the NFT, authentication channel descriptors associated with the first authentication channel;
comparing the authentication channel information with the authentication channel descriptors to determine a match;
determining, using the authentication channel validation engine, that the first authentication channel is valid based on at least the match; and
initializing, using the identity verification engine, verification of the user identity via the first authentication channel.