Bank of America Corporation
Dynamic hierarchical learning engine matrix

Abstract:

Embodiments of the invention are directed to systems, methods, and computer program products for identification of normal state authenticity indicators for user and entity authentication into applications in real-time to prevent misappropriation at the point of authenticity. In this way, the system uses multiple modeling processes for identification of authentic access requests to prevent misappropriation including utilizing phase-based characterization of different perspectives to make real-time determinations on authenticity of an interaction and/or misappropriation likelihood. The invention relies on multiple characteristics and models in simultaneous utilization for real-time authenticity decisions.