US Patent No. 10,659,460

TWO FACTOR VEHICLE AUTHENTICATION


Patent No. 10,659,460
Issue Date May 19, 2020
Title Two Factor Vehicle Authentication
Inventorship Mark Allan Nelson, Waxhaw, NC (US)
Ashish B. Tajpuria, San Francisco, CA (US)
Karen Lea MacQueen, Lyndhurst, OH (US)
Stephen Philip Selfridge, Huntersville, NC (US)
Steven Michael Twombly, Saco, ME (US)
Assignee BANK OF AMERICA CORPORATION, Charlotte, NC (US)

Claim of US Patent No. 10,659,460

1. A system for vehicle authentication for location access, the system comprising:one or more memory devices having computer readable code stored thereon;
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 code to:
identify a user within a vehicle based on an indication from an automobile system or a user device;
authenticate the user within the vehicle based on a first authentication point;
identify one or more additional authentication points;
determine a level of authentication for the user across a pre-determined authentication continuum, wherein the level is based on the first authentication point and a number of one or more additional authentication points;
identify the vehicle approaching an authentication location;
match the level of the authentication for the user to a level of authentication required for access to the authentication location; and
allow user access to the authentication location upon indication of the user level of authentication matching or being above the level of authentication required for access to the authentication location, wherein user access is allowed when the user is co-located to the vehicle.