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公开(公告)号：US20160171460A1
公开(公告)日：2016-06-16
申请号：US15016138
申请日：2016-02-04
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
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.
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公开(公告)号：US20160171454A1
公开(公告)日：2016-06-16
申请号：US15047997
申请日：2016-02-19
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Carlos Vieira , Susan Smith Thomas
CPC classification number: G06Q10/1097 , G06F16/9562 , G06Q10/063114 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q30/016 , G06Q30/06 , G06Q30/0635 , G06Q40/00
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility.
Abstract translation: 本发明的实施例涉及用于事务排队的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：接收与预期交易相关联的信息，其中用户将在用户定义的时间在设施处执行预期交易; 确定与在用户定义的时间之前可执行的预期交易相关联的初步工作; 并执行与预期交易相关的初步工作。 初步工作被放置在交易队列上，直到用户到达设施。
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公开(公告)号：US20160098549A1
公开(公告)日：2016-04-07
申请号：US14968731
申请日：2015-12-14
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Richard Andrew Starbuck , Carrie Anne Hanson
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.
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公开(公告)号：US09305293B2
公开(公告)日：2016-04-05
申请号：US13691523
申请日：2012-11-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg
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。
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公开(公告)号：US20160055326A1
公开(公告)日：2016-02-25
申请号：US14928332
申请日：2015-10-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Elizabeth S. Votaw , Alicia C. Jones-McFadden , David M. Grigg , Peter John Bertanzetti , Michael E. Toth , Carrie Anne Hanson
CPC classification number: G06F21/316 , G06F21/45 , G06F2221/2113 , H04L63/08 , H04L2463/082
Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on historical user patterns. Embodiments of the present invention may be configured to communicate code executable by a computing device that causes the computing device to monitor user patterns of a user based on the user interacting with the computing device; receive baseline user patterns to identify the user; identify, from the baseline user patterns, one or more routine actions performed by the user operating the computing device; receive a request to perform a transaction, wherein the transaction is associated with a level of security that must be authenticated; receive identification user patterns of the user based on the user interacting with the computing device; determine a threshold score based on comparing the identification user patterns with the baseline user patterns; and alter the level of security.
Abstract translation: 实施例涉及用于基于历史用户模式提供用户认证的系统，方法和计算机程序产品。 本发明的实施例可以被配置为传送可由计算设备执行的代码，其使得计算设备基于与计算设备交互的用户来监视用户的用户模式; 接收基准用户模式以识别用户; 从所述基准用户模式识别由所述用户操作所述计算设备执行的一个或多个例行动作; 接收执行事务的请求，其中所述事务与必须被认证的安全级别相关联; 基于与计算设备交互的用户接收用户的识别用户模式; 通过将识别用户模式与基准用户模式进行比较来确定阈值分数; 并改变安全级别。
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Patent Agency Ranking
16.发明申请公开(公告)号：US20160012505A1
公开(公告)日：2016-01-14
申请号：US14327843
申请日：2014-07-10
Applicant: Bank of America Corporation
Inventor： Carrie Anne Hanson , Sharon Scanlon , Kim Stittsworth , David M. Grigg , Davindar Gill
CPC classification number: G06Q30/0613 , G06Q20/3221 , G06Q20/3224 , H04W4/02
Abstract: Methods and systems for predicting and responding to customer needs 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 determine one or more predicted needs of the customer. Then, the computing platform may generate a notification based on the predicted needs of the customer and may send the notification to the customer computing device.
Abstract translation: 介绍了使用本地定位技术预测和响应客户需求的方法和系统。 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，计算平台可以确定客户的一个或多个预测需求。 然后，计算平台可以基于客户的预测需要生成通知，并且可以将通知发送到客户计算设备。
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公开(公告)号：US20160012409A1
公开(公告)日：2016-01-14
申请号：US14327967
申请日：2014-07-10
Applicant: Bank of America Corporation
Inventor： Carrie Anne Hanson , Don Cardinal , David M. Grigg , Sharon Scanlon
CPC classification number: H04W4/029 , G06Q20/3224 , G06Q20/3552
Abstract: Methods and systems for configuring a computing platform 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 at the 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 receive one or more configuration instructions based on the identity of the customer. Then, the computing platform may be configured based on the one or more configuration instructions.
Abstract translation: 提出了使用本地定位技术配置计算平台的方法和系统。 在一些实施例中，客户辅助计算平台可以接收与在客户计算设备处接收的信标信号相关联的一个或多个属性以及与客户计算设备相关联的标识符。 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接收一个或多个配置指令。 然后，可以基于一个或多个配置指令来配置计算平台。
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公开(公告)号：US09185101B2
公开(公告)日：2015-11-10
申请号：US14175947
申请日：2014-02-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Peter John Bertanzetti , Michael E. Toth , Carrie Anne Hanson
CPC classification number: H04L63/08 , G06F21/316 , H04L63/105 , H04L2463/082
Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on historical user patterns. 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 set of data comprising information related to usage patterns associated with the apparatus of the user; determine a user pattern score associated with the user; determine a level of authentication; 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, execute the user action.
Abstract translation: 实施例涉及用于基于历史用户模式提供用户认证的系统，方法和计算机程序产品。 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认证证书的验证; 收集包括与用户的装置相关联的使用模式的信息的一组数据; 确定与用户相关联的用户模式得分; 确定认证级别; 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; 并且响应成功的验证，执行用户操作。
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公开(公告)号：US20150294432A1
公开(公告)日：2015-10-15
申请号：US14251071
申请日：2014-04-11
Applicant: Bank Of America Corporation
Inventor： Alicia C. Jones , Richard Andrew Starbuck , David M. Grigg
CPC classification number: G06Q50/265 , G06F3/017
Abstract: Systems, methods, and computer program products for use by a financial institution employee in a financial institution environment to determine a preferred level of service based on gesture recognition. Embodiments of the invention involve a memory device; and a processing device operatively coupled to a memory; a computing processor; and a module configured to cause the one or more computing processors to: receive from a first device, an input associated with one or more gestures from an employee in a business environment; compare the received input to one or more predetermined gestures stored in a database, wherein the one or more predetermined gestures stored in the database are associated with one or more actions; based on the comparison, determine a match, and execute the one or more actions associated the received input.
Abstract translation: 金融机构雇员在金融机构环境中使用的系统，方法和计算机程序产品，以基于手势识别来确定优选的服务水平。 本发明的实施例涉及一种存储装置; 以及可操作地耦合到存储器的处理设备; 计算处理器; 以及模块，被配置为使所述一个或多个计算处理器从商业环境中从第一设备接收与来自雇员的一个或多个手势相关联的输入; 将接收到的输入与存储在数据库中的一个或多个预定手势进行比较，其中存储在数据库中的一个或多个预定手势与一个或多个动作相关联; 基于比较，确定匹配，并且执行与所接收的输入相关联的一个或多个动作。
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20.发明申请SECURITY-MONITORING IMPLEMENTING CUSTOMER RECOGNITION VIA AN AUGMENTED REALITY DISPLAY 审中-公开安全监控通过已实现的现实显示实现客户识别公开(公告)号：US20150294322A1
公开(公告)日：2015-10-15
申请号：US14250972
申请日：2014-04-11
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Richard Andrew Starbuck , Carrie Anne Hanson , Alicia C. Jones
CPC classification number: G06Q30/0201 , G06K9/00295 , G06K9/00771 , G06K9/00778 , G06Q10/0635 , G06T11/60 , H04N7/183
Abstract: Systems, apparatus, and computer program products are provided for security-monitoring at a place of business by automatically determining which individuals within a business location, such as a retail store, banking center or the like, are established customers of the business. Such a determination of established customer status is conducted without requiring any action on behalf of the individuals/customers and may be accomplished proximate in time to the individuals arriving at the business location. Once the established customers have been determined, the present invention provides for attaching customer identifiers to the established customers appearing within a live video stream displayed by the security-monitoring system to thereby create an augmented reality environment within the display.
Abstract translation: 系统，仪器和计算机程序产品通过自动确定业务地点内的哪些个人（如零售店，银行中心等）是业务的建立客户，从而在营业场所进行安全监控。 对已建立的客户身份的这种确定是在不需要代表个人/客户的任何行动的情况下进行的，并且可以在到达接近营业地点的个人的时间附近完成。 一旦已经确定了客户，本发明提供了将顾客标识符附加到出现在由安全监视系统显示的直播视频流内的已建立客户，从而在显示器内创建增强的现实环境。
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