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

Claim 0:
1. A system for scheme evaluation authenticating, the system comprising:
a memory device with computer-readable program code stored thereon;
a communication device;
a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to:
learn 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;
generate user idiosyncrasy database with the learned user actions, wherein the idiosyncrasy database extracts user action idiosyncrasies from user actions;
identify an authentication event initiation associated with the user, wherein the authentication event includes a failed login;
extract user action idiosyncrasies associated with the authentication event;
apply 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;
match user action idiosyncrasies from the user idiosyncrasy database to user action idiosyncrasies associated with the authentication event; and
allow 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.