公开(公告)号：US20160014553A1

公开(公告)日：2016-01-14

申请号：US14328079

申请日：2014-07-10

Applicant: Bank of America Corporation

Inventor： Don Cardinal ,  David M. Grigg

IPC: H04W4/02 ,  H04W64/00

CPC classification number: H04W4/02 ,  G06K9/00919 ,  G06Q10/087 ,  G07F19/207 ,  H04W64/00

Abstract: Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, associate users may be identified and a location of each associate user may be tracked to identify a location of an associate user, confirm the location of the associate user is an expected location, and/or provide location information to a customer of the associate user.

Abstract translation: 提供了被配置为基于所确定的位置和/或身份来确定用户的位置，识别用户和提供附加服务的系统，方法，设备和计算机可读介质。 在一些示例中，可以识别关联用户，并且可以跟踪每个关联用户的位置以识别关联用户的位置，确认关联用户的位置是预期位置，和/或向客户提供位置信息 副用户。

公开(公告)号：US20150363764A1

公开(公告)日：2015-12-17

申请号：US14457940

申请日：2014-08-12

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  James Gregory Ronca ,  Henry J. Chou ,  Joseph Neil Johansen ,  Michael E. Toth ,  Elizabeth S. Votaw

IPC: G06Q20/32 ,  G06Q20/38 ,  G06Q20/20

CPC classification number: G06Q20/327 ,  G06Q20/102 ,  G06Q20/223 ,  G06Q20/3278 ,  G06Q20/3821

Abstract: Systems, apparatus, and computer program products are provided for conducting person-to-person (P2P) payments via a short-range wireless payment beacon.

Abstract translation: 提供系统，装置和计算机程序产品，用于通过短距离无线支付信标进行个人对个人（P2P）支付。

公开(公告)号：US09213819B2

公开(公告)日：2015-12-15

申请号：US14249752

申请日：2014-04-10

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Richard Andrew Starbuck ,  Carrie Anne Hanson

IPC: G06F7/04 ,  G06F21/32 ,  H04L29/06 ,  G06F3/0488

CPC classification number: G06F21/316 ,  G06F3/0488 ,  G06F21/31 ,  G06F21/32 ,  G06F21/35 ,  G06F21/36 ,  H04L63/08 ,  H04W12/06

Abstract: The present invention is directed to an apparatus, a method, and a computer program product for authenticating a user based on a sequence of rhythmic inputs. The user via a mobile device provides one or more inputs (e.g., pushing a button, tapping a touchscreen, a biometric, or the like) to one or more sensors associated with the mobile device as an attempt of authorization. The one or more inputs may be provided in a rhythmic manner (e.g., provided in time with music). The present invention then compares the provided one or more inputs to one or more predetermined sequences of inputs that are associated with positive authentication of the user (e.g., a known password). The phone determines that the one or more provided inputs match one or more predetermined rhythmic sequences associated with positive authentication of the user and authenticates the user.

Abstract translation: 本发明涉及一种用于基于节奏输入序列来认证用户的装置，方法和计算机程序产品。 经由移动设备的用户作为授权尝试提供了与移动设备相关联的一个或多个传感器的一个或多个输入（例如，按下按钮，敲击触摸屏，生物特征等）。 一个或多个输入可以以节奏的方式提供（例如，及时提供音乐）。 然后，本发明将所提供的一个或多个输入与与用户的正认证（例如，已知密码）相关联的一个或多个预定输入序列进行比较。 手机确定一个或多个提供的输入匹配与用户的正认证相关联的一个或多个预定节奏序列并认证用户。

公开(公告)号：US09185117B2

公开(公告)日：2015-11-10

申请号：US14175954

申请日：2014-02-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Peter John Bertanzetti ,  Michael E. Toth ,  Carrie Anne Hanson

IPC: G06F21/31 ,  H04L29/06

CPC classification number: H04L63/105 ,  G06F21/31 ,  G06F21/316 ,  G06F2221/2111 ,  G06F2221/2113 ,  H04L63/08 ,  H04L63/107 ,  H04L63/205 ,  H04L2463/082 ,  H04W12/06

Abstract: Embodiments provide user authentication based on proximity to a close network of a user. Embodiments receive from a user a request to execute a user action associated with an application, wherein execution of the user action requires validation of one or more authentication credentials; collect a set of data comprising information related to a physical location of the user; determine a close network score associated with the user; determine a level of authentication associated with the close network score; determine which one or more authentication types are associated with the level of authentication associated with the close network score; request one or more authentication credentials corresponding to the determined one or more authentication types; receive credentials from the user; validate the credentials, thereby resulting in a successful validation of the credentials; and, in response to the successful validation of the credentials, execute the user action.

Abstract translation: 实施例提供了基于与用户的紧密网络的接近度的用户认证。 实施例从用户接收执行与应用相关联的用户动作的请求，其中用户动作的执行需要验证一个或多个认证证书; 收集包括与用户的物理位置有关的信息的一组数据; 确定与用户相关联的紧密网络评分; 确定与关闭网络得分相关联的认证级别; 确定哪个一个或多个认证类型与与关闭网络评分相关联的认证级别相关联; 请求与所确定的一种或多种认证类型相对应的一个或多个认证证书; 从用户接收凭证; 验证凭据，从而导致凭证的成功验证; 并且响应于证书的成功验证，执行用户操作。

公开(公告)号：US20150294389A1

公开(公告)日：2015-10-15

申请号：US14250137

申请日：2014-04-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alicia C. Jones ,  David M. Grigg ,  Carrie Anne Hanson ,  Richard Andrew Starbuck

IPC: G06Q30/06 ,  G06K9/20 ,  G06K9/00

CPC classification number: G06Q30/0629 ,  G06K9/00671

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for aiding with purchase inquiries through an optical head-mounted display in a wearable computer. An exemplary apparatus is configured to receive information captured by the wearable computer; transmit, to at least one database, the received information including a primary identifier and at least one secondary identifier; retrieve, from at least one database, detailed information related to the first item of interest and the at least one additional item of interest, where the detailed information is associated with the primary identifier and the at least one secondary identifier; and present, on the optical head-mounted display in the wearable computer, the detailed information related to the first item of interest and the at least one additional item of interest, in a comparison format.

Abstract translation: 本发明的实施例涉及通过可戴式计算机中的光学头戴式显示器来帮助购买查询的系统，方法和计算机程序产品。 示例性装置被配置为接收由可穿戴式计算机捕获的信息; 向至少一个数据库发送包括主标识符和至少一个辅助标识符的接收信息; 从至少一个数据库中检索与所述第一感兴趣项目相关的详细信息和所述至少一个附加项目，其中所述详细信息与所述主标识符和所述至少一个辅助标识符相关联; 并且以比较格式呈现在可穿戴计算机中的光学头戴显示器上的与所述感兴趣的第一项目和所述至少一个附加项目相关的详细信息。

公开(公告)号：US20150294385A1

公开(公告)日：2015-10-15

申请号：US14249698

申请日：2014-04-10

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Richard Andrew Starbuck

IPC: G06Q30/06

CPC classification number: G06Q30/0613

Abstract: Systems, apparatus, and computer program items are provided for presenting budget information in connection with items within a live video stream of an augmented reality display on a mobile communication device. The invention allows the user who customarily comes in to contact with items throughout the day to able to gauge the budget impact of the purchase of such items and/or immediately ascertain whether certain items being considered for purchase are within the limits of a user's budget or a budget category. By automatically providing such information to the user in a highly efficient manner, the user can make informed decisions on whether a purchase is advisable and/or which purchase options are most suitable to the user's budget.

Abstract translation: 提供系统，装置和计算机程序项目，用于呈现与移动通信设备上的增强现实显示器的直播视频流内的项目相关的预算信息。 本发明允许习惯上进入的用户在一天中与物品联系以能够衡量购买这些物品的预算影响和/或立即确定被考虑购买的某些物品是否在用户预算的限度内，或者 一个预算类别。 通过以高效的方式自动地向用户提供这样的信息，用户可以做出关于购买是否可取的知情决策和/或哪个购买选项最适合于用户的预算。

公开(公告)号：US20150294303A1

公开(公告)日：2015-10-15

申请号：US14249757

申请日：2014-04-10

Applicant: Bank of America Corporation

Inventor： Carrie Anne Hanson ,  David M. Grigg ,  Richard Andrew Starbuck ,  Alicia C. Jones ,  Audrey L. Longfellow

IPC: G06Q20/34 ,  G06K19/06 ,  G06K19/07

CPC classification number: G06Q20/3278 ,  G06K7/10297 ,  G06K19/0723 ,  G06K19/0727 ,  G06Q20/10 ,  G06Q20/3226 ,  G06Q20/346 ,  G06Q20/347 ,  G06Q20/3572 ,  G06Q20/405

Abstract: The present invention is directed to apparatuses, methods, and computer-program products for a multipurpose wearable device that is associated with one or more financial accounts wherein, in use, the wearable device is configured to facilitate a financial transaction using at least one of the one or more financial accounts. The wearable device comprises: a wearable article, wherein the wearable article comprises one or more features securing the wearable article to a person or an item associated with the person; and a portion comprising a machine-readable indicia, wherein the machine-readable indicia, when successfully read, provides payment information for conducting a financial transaction.

Abstract translation: 本发明涉及用于多用途可穿戴设备的设备，方法和计算机程序产品，其与一个或多个财务帐户相关联，其中在使用中，所述可穿戴设备被配置为便利金融交易，使用至少一个 一个或多个财务账户。 所述可穿戴装置包括：可穿戴物品，其中所述可穿戴物品包括将所述可穿戴物品固定至与所述人相关联的人或物品的一个或多个特征; 以及包括机器可读标记的部分，其中当成功读取时机器可读标记提供用于进行金融交易的支付信息。

公开(公告)号：US20150227725A1

公开(公告)日：2015-08-13

申请号：US14175146

申请日：2014-02-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Peter John Bertanzetti ,  Hood Qaim-Maqami

IPC: G06F21/31

CPC classification number: H04L63/08 ,  G06F21/31 ,  G06F2221/2113 ,  G06F2221/2149 ,  H04L63/0807 ,  H04L63/0815 ,  H04L63/083 ,  H04L63/0861 ,  H04L63/126

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing authentication using previously-validated authentication credentials. An exemplary apparatus is configured to receive a request to access a framework application, request, from a user, one or more authentication credentials corresponding to a primary level of user authentication, receive and validate the one or more authentication credentials, create, using the framework application, an authentication token based at least partially on the validation of the primary level of user authentication, wherein the authentication token is accessible by a plurality of applications, receive a request, from the user, to access one or more non-framework applications; and authenticate the one or more non-framework applications, where authenticating the non-framework applications requires accessing the authentication token created by the framework application such that the authentication is at least partially based on the primary level of user authentication.

Abstract translation: 本发明的实施例涉及用于使用先前验证的认证证书提供认证的系统，方法和计算机程序产品。 示例性装置被配置为接收访问框架应用的请求，从用户请求与用户认证的主级相对应的一个或多个认证证书，接收和验证所述一个或多个认证凭证，使用所述框架 应用程序，至少部分地基于用户认证的主级别的验证的认证令牌，其中所述认证令牌可被多个应用程序访问，从用户接收访问一个或多个非框架应用程序的请求; 并验证一个或多个非框架应用，其中认证非框架应用需要访问由框架应用创建的认证令牌，使得认证至少部分地基于用户认证的主要级别。

公开(公告)号：US20150227724A1

公开(公告)日：2015-08-13

申请号：US14175956

申请日：2014-02-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Joseph Neil Johansen ,  Michael E. Toth ,  Daniel Lynn Carpenter ,  Hood Qaim-Maqami ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

IPC: G06F21/30 ,  G06F21/31

CPC classification number: G06Q20/108 ,  G06F21/30 ,  G06F21/31 ,  G06F2221/2113 ,  G06F2221/2149 ,  G06Q40/02 ,  H04L63/08 ,  H04L63/083 ,  H04L63/0853 ,  H04L63/105 ,  H04L2463/102

Abstract: Embodiments are directed to systems, methods and computer program products for sorting mobile banking functions into authentication buckets. Embodiments determine, for each of a plurality of mobile banking functions, a corresponding authentication buckets, where each authentication bucket corresponds with a level of authentication. Some embodiments receive a request, from a user, to access a function; access the plurality of authentication buckets to determine which of the authentication buckets corresponds with the requested function; determine the level of authentication associated with the determined authentication bucket; determine which authentication types are associated with the level of authentication; request authentication credentials corresponding to the authentication types; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and, in response to the successful validation of the authentication credentials, enable access to the function requested by the user.

Abstract translation: 实施例涉及用于将移动银行功能分类到认证桶中的系统，方法和计算机程序产品。 对于多个移动银行业务中的每一个，实施例确定相应的认证桶，其中每个认证桶对应于认证级别。 一些实施例从用户接收到访问功能的请求; 访问所述多个认证桶以确定所述认证桶中的哪一个对应于所请求的功能; 确定与确定的认证桶相关联的认证级别; 确定哪些认证类型与认证级别相关联; 请求与认证类型相对应的认证凭证; 从用户接收认证凭证; 验证身份验证凭证，从而导致验证凭证成功验证; 并且响应于认证证书的成功验证，使得能够访问由用户请求的功能。

公开(公告)号：US20150081467A1

公开(公告)日：2015-03-19

申请号：US14550253

申请日：2014-11-21

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

IPC: G06Q30/08

CPC classification number: G06Q30/08

Abstract: Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user.

Abstract translation: 提供了用于提供用户驱动的反向拍卖的系统和方法。 系统和方法使用户能够针对产品或服务请求出价，接收出价以响应优惠并管理出价。 所述方法提供在计算设备处接收来自用户对产品或服务的报价的请求，所述请求包括搜索准则; 基于所述搜索标准，经由所述计算设备识别所述产品或服务的至少一个商家; 将所述请求发送到所述至少一个商家并从所述至少一个商家接收一个或多个出价; 以及通过计算设备将一个或多个出价呈现给用户。