公开(公告)号：US20160162896A1

公开(公告)日：2016-06-09

申请号：US15047115

申请日：2016-02-18

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/34

CPC classification number: G06Q20/405 ,  G06F17/3053 ,  G06Q20/3224 ,  G06Q20/327 ,  G06Q20/34 ,  G06Q20/4016 ,  H04L63/08 ,  H04L2463/082 ,  H04W12/04

Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. 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 authentication credentials; collect a transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; 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, execute the user action.

公开(公告)号：US20160162876A1

公开(公告)日：2016-06-09

申请号：US15045172

申请日：2016-02-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg

IPC: G06Q20/32 ,  G06Q20/20

CPC classification number: G06Q20/3274 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/06 ,  G06Q20/0855 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/3276

Abstract: Embodiments of the invention include systems, methods, and computer-program products for a clearing house for creating and directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using a created universal readable indicia, irrespective of the entities associated with the transaction. The invention may create and provide a universal readable indicia that may be read and/or scanned by any of a user, merchant, or vendor. Subsequently, upon scanning, the system may recognize the appropriate vendor associated with the scan, based on information about the user or merchant derived from the scan. As such, the invention may be able to convert the universal readable indicia to one or more indicia accepted by a vendor that may complete the transaction with the user and/or merchant.

Abstract translation: 本发明的实施例包括用于为商家，用户和/或供应商创建和指导可读标记的结算所的系统，方法和计算机程序产品。 因此，商家，用户和供应商都可以使用创建的通用可读标记来识别，读取和完成交易，而不管与交易相关联的实体。 本发明可以创建并提供可由用户，商家或供应商中的任何一个读取和/或扫描的通用可读标记。 随后，在扫描时，系统可以基于关于从扫描导出的用户或商家的信息来识别与扫描相关联的适当的供应商。 因此，本发明可能能够将通用可读标记转换成供应商接受的一个或多个标记，该标记可以完成与用户和/或商家的交易。

公开(公告)号：US20160155115A1

公开(公告)日：2016-06-02

申请号：US15016161

申请日：2016-02-04

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q20/32 ,  G06K7/10 ,  G06K19/07 ,  G06Q20/40 ,  G06Q20/10

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.

公开(公告)号：US20160134614A1

公开(公告)日：2016-05-12

申请号：US14980974

申请日：2015-12-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Peter John Bertanzetti ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Joseph Neil Johansen ,  Michael E. Toth ,  Elizabeth S. Votaw

IPC: H04L29/06

CPC classification number: H04L63/083 ,  G06F21/31 ,  G06F21/41 ,  H04L63/04 ,  H04L63/08 ,  H04L63/10

Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.

公开(公告)号：US09313190B2

公开(公告)日：2016-04-12

申请号：US14175136

申请日：2014-02-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Hood Qaim-Maqami ,  Alicia C. Jones ,  Elizabeth S. Votaw ,  Joseph Neil Johansen ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Michael Patrick Lynch

IPC: H04L29/06 ,  G06Q40/02

CPC classification number: H04L63/08 ,  G06F21/31 ,  G06Q20/108 ,  G06Q20/3226 ,  G06Q20/382 ,  G06Q20/405 ,  G06Q40/02 ,  H04L63/10

Abstract: Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).

公开(公告)号：US09305149B2

公开(公告)日：2016-04-05

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: G06F12/14 ,  H04L29/06 ,  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，实施例确定相应的验证桶，其中每个验证桶与认证级别相对应。 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：US20160026779A1

公开(公告)日：2016-01-28

申请号：US14876651

申请日：2015-10-06

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Peter John Bertanzetti ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Joseph Neil Johansen ,  Michael E. Toth

IPC: G06F21/31

CPC classification number: H04L63/0876 ,  G06F21/31 ,  G06F2221/2111 ,  G06F2221/2137

Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to known boundaries of location associated with the user, such as patterns of movement or the like. As such, the present invention serves to expedite the process for authenticating a user who desires to gain access to a network service, such as a banking application or the like.

Abstract translation: 提供系统，装置，方法和计算机程序产品，用于基于与用户相关联的位置的已知边界比较，基于用户的当前位置确定特定网络访问会话的用户认证要求/凭证，诸如 运动等。 因此，本发明用于加速用于验证希望访问诸如银行应用程序等网络服务的用户的过程。

公开(公告)号：US20160012655A1

公开(公告)日：2016-01-14

申请号：US14327895

申请日：2014-07-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Carrie Anne Hanson ,  David M. Grigg ,  Kim Stittsworth

IPC: G07C9/00 ,  H04W4/02

CPC classification number: G07C9/00039 ,  G07C9/00031 ,  G07C9/00071 ,  G07C9/00111 ,  H04W4/02 ,  Y02D70/122 ,  Y02D70/144

Abstract: Systems and methods for using proximity positioning systems to determine a location of a user, identify the user and provide additional services and/or functionality to the user based on the determined location and/or identity are presented. In some examples, a low-power radio signal emitted from a location beacon may be received or detected by a personal computing device. The location of the beacon, and the device detecting the signal, may be determined. The location information, as well as a unique identifier associated with the personal computing device, may be used to identify a user associated with the personal computing device and the location of the user. This information may be used to provide additional services and/or functionality to the user. For instance, the location and identity information may be used to provide the user with access to secure areas within a location.

Abstract translation: 呈现用于使用接近定位系统来确定用户的位置，识别用户并且基于确定的位置和/或身份向用户提供附加服务和/或功能的系统和方法。 在一些示例中，从位置信标发射的低功率无线电信号可以由个人计算设备接收或检测。 可以确定信标的位置和检测信号的设备。 位置信息以及与个人计算设备相关联的唯一标识符可以用于标识与个人计算设备相关联的用户和用户的位置。 该信息可以用于向用户提供额外的服务和/或功能。 例如，位置和身份信息可以用于向用户提供对位置内的安全区域的访问。

公开(公告)号：US20160012495A1

公开(公告)日：2016-01-14

申请号：US14327560

申请日：2014-07-10

Applicant: Bank of America Corporation

Inventor： Carrie Anne Hanson ,  Don Cardinal ,  David M. Grigg

IPC: G06Q30/02 ,  H04W4/04

CPC classification number: G06Q30/0281 ,  H04W4/021 ,  H04W4/029

Abstract: A computing platform may receive a plurality of messages comprising data indicating physical presence of customers at a physical location from an indoor positioning system located at the physical location. The computing platform may determine that one or more customers of the customers at the physical location have left the physical location based on at least a portion of the data indicating the physical presence of the customers at the physical location. Responsive to determining that the one or more customers of the customers at the physical location have left the physical location, the computing platform may generate one or more messages soliciting feedback from the one or more customers regarding their experience at the physical location.

Abstract translation: 计算平台可以从位于物理位置处的室内定位系统接收包括指示在物理位置处的客户的物理存在的数据的多个消息。 计算平台可以基于指示物理位置处的客户的物理存在的至少一部分数据来确定物理位置处的客户的一个或多个客户已经离开物理位置。 响应于确定物理位置处的客户的一个或多个客户已经离开物理位置，计算平台可以生成一个或多个消息，从一个或多个客户请求关于其在物理位置的经验的反馈。

公开(公告)号：US20160012484A1

公开(公告)日：2016-01-14

申请号：US14327767

申请日：2014-07-10

Applicant: Bank of America Corporation

Inventor： Carrie Anne Hanson ,  Sharon Scanlon ,  Don Cardinal ,  David M. Grigg

IPC: G06Q30/02 ,  H04W4/04

CPC classification number: G06Q30/0261 ,  H04W4/029

Abstract: Methods and systems for providing targeted advertising using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may select, based on the identity of the customer and the location of the customer, advertising content to be presented to the customer using the customer computing device. Then, the computing platform may send the selected advertising content to one or more recipient computing devices.

Abstract translation: 提出了使用本地定位技术提供有针对性的广告的方法和系统。 在一些实施例中，客户辅助计算平台可以接收与由客户计算设备接收的信标信号和与客户计算设备相关联的标识符相关联的一个或多个属性。 随后，计算平台可以使用客户计算设备来确定客户的身份。 计算平台然后可以基于与信标信号相关联的一个或多个属性来确定使用客户计算设备的客户的位置。 此后，计算平台可以基于客户的身份和客户的位置来选择使用客户计算设备呈现给客户的广告内容。 然后，计算平台可以将所选择的广告内容发送到一个或多个接收者计算设备。