US-12619696-B2 - System and method for generating on-demand single-use biometric authentication credentials

Abstract

Embodiments of the present invention provide a system for generating on-demand single-use biometric authentication credentials. The system is configured for determining initiation of an authentication request to access a resource from a user device of a user, prompting the user to select a type of authentication credential from one or more types of authentication credentials, receiving a selection of the type of the authentication credential, instantaneously generating a single-use unique authentication credential associated with the type of the authentication credential, via one or more machine learning models, and transmitting the single-use unique authentication credential to the user device for use in authentication of the user in gaining accessing to the resource.

Inventors

• Elvis Nyamwange
• Sailesh Vezzu
• Amer Ali
• Rahul Shashidhar Phadnis
• Rahul Yaksh
• Hari Vuppala
• Pratap Dande
• Brian Neal Jacobson
• Erik Dahl

Assignees

• BANK OF AMERICA CORPORATION

Dates

Publication Date

20260505

Application Date

20231023

Claims (20)

1. 1 . A system for generating on-demand single-use biometric authentication credentials, comprising: at least one processing device; at least one memory device; and a module stored in the at least one memory device comprising executable instructions that when executed by the at least one processing device, cause the at least one processing device to: determine initiation of an authentication request to access a resource from a user device of a user; prompt the user to select a type of biometric authentication credential from one or more types of biometric authentication credentials; receive a selection of the type of the biometric authentication credential; instantaneously generate a single-use unique biometric authentication credential associated with the type of the biometric authentication credential, via one or more machine learning models; and transmit the single-use unique biometric authentication credential to the user device for use in authentication of the user in gaining accessing to the resource.
2. 2 . The system according to claim 1 , wherein the executable instructions cause the at least one processing device to generate the single-use unique biometric authentication credential based on one or more credential datasets received from the user.
3. 3 . The system according to claim 2 , wherein the executable instructions cause the at least one processing device to: receive the one or more credential datasets associated with the one or more types of biometric authentication credentials from the user, via the user device; process the one or more credential datasets; and train the one or more machine learning models based on processing the one or more credential datasets.
4. 4 . The system according to claim 3 , wherein the executable instructions cause the at least one processing device to process the one or more credential datasets associated with each of the one or more types of biometric authentication credentials based on analyzing the one or more credential datasets to retrieve one or more features associated with the one or more credential datasets, wherein the one or more machine learning models are trained based on the one or more features.
5. 5 . The system according to claim 4 , wherein the executable instructions cause the at least one processing device to generate permuted credential data associated with each of the one or more types of biometric authentication credentials, via the trained one or more machine learning models, wherein the single-use unique biometric authentication credential is generated based on the permuted credential data.
6. 6 . The system according to claim 1 , wherein the executable instructions cause the at least one processing device to: generate a unique identifier; associate the unique identifier with the single-use biometric authentication credential; and embed the unique identifier into the single-use biometric authentication credential.
7. 7 . The system according to claim 1 , wherein the executable instructions cause the at least one processing device to: identify a geolocation associated with initiation of the authentication request; and associate the geolocation to the single-use biometric authentication credential.
8. 8 . A computer program product for generating on-demand single-use biometric authentication credentials, comprising a non-transitory computer-readable storage medium having computer-executable instructions for: determining initiation of an authentication request to access a resource from a user device of a user; prompting the user to select a type of biometric authentication credential from one or more types of biometric authentication credentials; receiving a selection of the type of the biometric authentication credential; instantaneously generating a single-use unique biometric authentication credential associated with the type of the biometric authentication credential, via one or more machine learning models; and transmitting the single-use unique biometric authentication credential to the user device for use in authentication of the user in gaining accessing to the resource.
9. 9 . The computer program product according to claim 8 , wherein the non-transitory computer-readable storage medium comprises computer-executable instructions for generating the single-use unique biometric authentication credential based on one or more credential datasets received from the user.
10. 10 . The computer program product according to claim 9 , wherein the non-transitory computer-readable storage medium comprises computer-executable instructions for: receiving the one or more credential datasets associated with the one or more types of biometric authentication credentials from the user, via the user device; processing the one or more credential datasets; and training the one or more machine learning models based on processing the one or more credential datasets.
11. 11 . The computer program product according to claim 10 , wherein the non-transitory computer-readable storage medium comprises computer-executable instructions for processing the one or more credential datasets associated with each of the one or more types of biometric authentication credentials based on analyzing the one or more credential datasets to retrieve one or more features associated with the one or more credential datasets, wherein the one or more machine learning models are trained based on the one or more features.
12. 12 . The computer program product according to claim 11 , wherein the non-transitory computer-readable storage medium comprises computer-executable instructions for generating permuted credential data associated with each of the one or more types of biometric authentication credentials, via the trained one or more machine learning models, wherein the single-use unique biometric authentication credential is generated based on the permuted credential data.
13. 13 . The computer program product according to claim 8 , wherein the non-transitory computer-readable storage medium comprises computer-executable instructions for: generating a unique identifier; associating the unique identifier with the single-use biometric authentication credential; and embedding the unique identifier into the single-use biometric authentication credential.
14. 14 . The computer program product according to claim 8 , wherein the non-transitory computer-readable storage medium comprises computer-executable instructions for: identifying a geolocation associated with initiation of the authentication request; and associating the geolocation to the single-use biometric authentication credential.
15. 15 . A computerized method for generating on-demand single-use biometric authentication credentials, the method comprising: determining initiation of an authentication request to access a resource from a user device of a user; prompting the user to select a type of biometric authentication credential from one or more types of biometric authentication credentials; receiving a selection of the type of the biometric authentication credential; instantaneously generating a single-use unique biometric authentication credential associated with the type of the biometric authentication credential, via one or more machine learning models; and transmitting the single-use unique biometric authentication credential to the user device for use in authentication of the user in gaining accessing to the resource.
16. 16 . The computerized method according to claim 15 , wherein the method comprises generating the single-use unique biometric authentication credential based on one or more credential datasets received from the user.
17. 17 . The computerized method according to claim 16 , wherein the method comprises: receiving the one or more credential datasets associated with the one or more types of biometric authentication credentials from the user, via the user device; processing the one or more credential datasets; and training the one or more machine learning models based on processing the one or more credential datasets.
18. 18 . The computerized method according to claim 17 , wherein the method comprises processing the one or more credential datasets associated with each of the one or more types of biometric authentication credentials based on analyzing the one or more credential datasets to retrieve one or more features associated with the one or more credential datasets, wherein the one or more machine learning models are trained based on the one or more features.
19. 19 . The computerized method according to claim 18 , wherein the method comprises generating permuted credential data associated with each of the one or more types of biometric authentication credentials, via the trained one or more machine learning models, wherein the single-use unique biometric authentication credential is generated based on the permuted credential data.
20. 20 . The computerized method according to claim 15 , wherein the method comprises: generating a unique identifier; associating the unique identifier with the single-use biometric authentication credential; and embedding the unique identifier into the single-use biometric authentication credential.

Description

BACKGROUND There exists a need for a system for generating on-demand single-use biometric authentication credentials. BRIEF SUMMARY Embodiments of the present invention address the above needs and/or achieve other advantages by providing apparatuses (e.g., a system, computer program product and/or other devices) and methods for generating on-demand single-use biometric authentication credentials. The system embodiments may comprise one or more memory devices having computer readable program code stored thereon, a communication device, and one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute the computer readable program code to carry out the invention. In computer program product embodiments of the invention, the computer program product comprises at least one non-transitory computer readable medium comprising computer readable instructions for carrying out the invention. Computer implemented method embodiments of the invention may comprise providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs certain operations to carry out the invention. In some embodiments, the present invention determines initiation of an authentication request to access a resource from a user device of a user, prompts the user to select a type of authentication credential from one or more types of authentication credentials, receives a selection of the type of the authentication credential, instantaneously generates a single-use unique authentication credential associated with the type of the authentication credential, via one or more machine learning models, and transmits the single-use unique authentication credential to the user device for use in authentication of the user in gaining accessing to the resource. In some embodiments, the present invention generates the single-use unique authentication credential based on one or more credential datasets received from the user. In some embodiments, the present invention receives the one or more credential datasets associated with the one or more types of authentication credentials from the user, via the user device, processes the one or more credential datasets, and trains the one or more machine learning models based on processing the one or more credential datasets. In some embodiments, the present invention processes the one or more credential datasets associated with each of the one or more types of authentication credentials based on analyzing the one or more credential datasets to retrieve one or more features associated with the one or more credential datasets, wherein the one or more machine learning models are trained based on the one or more features. In some embodiments, the present invention generates permuted credential data associated with each of the one or more types of authentication credentials, via the trained one or more machine learning models, wherein the single-use unique authentication credential is generated based on the permuted credential data. In some embodiments, the present invention generates a unique identifier, associates the unique identifier with the single-use authentication credential, and embeds the unique identifier into the single-use authentication credential. In some embodiments, the present invention identifies a geolocation associated with initiation of the authentication request and associates the geolocation to the single-use authentication credential. The features, functions, and advantages that have been discussed may be achieved independently in various embodiments of the present invention or may be combined with yet other embodiments, further details of which can be seen with reference to the following description and drawings. BRIEF DESCRIPTION OF THE DRAWINGS Having thus described embodiments of the invention in general terms, reference will now be made the accompanying drawings, wherein: FIG. 1 provides a block diagram illustrating a system environment for generating on-demand single-use biometric authentication credentials, in accordance with an embodiment of the invention; FIG. 2 provides a block diagram illustrating the entity system 200 of FIG. 1, in accordance with an embodiment of the invention; FIG. 3 provides a block diagram illustrating an authentication credential generation system 300 of FIG. 1, in accordance with an embodiment of the invention; FIG. 4 provides a block diagram illustrating the computing device system 400 of FIG. 1, in accordance with an embodiment of the invention; FIG. 5 provides a process flow for generating on-demand single-use biometric authentication credentials, in accordance with an embodiment of the invention; and FIG. 6 provi