Patent ID: 11876795
Assignee: BANK OF AMERICA CORPORATION
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 19:
20. The computer program product of claim 18, wherein the first authorized credential element is pre-authenticated at a first authentication level, wherein the non-transitory computer-readable medium further comprises code that when executed causes the first apparatus to:
in response to the second trigger signal and prior to the extraction of data associated with the first authorized credential element from the resource instrument device via the first proximity communication channel between the resource processing terminal device and the resource instrument device, trigger an escalated second authentication level requirement above the first authentication level based on at least the first authentication level and resource processing data associated with the first resource processing activity;
determine a location parameter associated with the resource instrument device, such that the location parameter is associated with the escalated second authentication level requirement; and
modify the first authorized credential element by embedding the location parameter associated with the escalated second authentication level requirement.