公开(公告)号：US20150294307A1

公开(公告)日：2015-10-15

申请号：US14251351

申请日：2014-04-11

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q20/38 ,  H04L29/06

CPC classification number: G06Q20/3821 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/363 ,  G06Q20/385 ,  G06Q20/4016 ,  H04L63/08 ,  H04W12/06

Abstract: Embodiments are directed to communicating an operating system-level token for user identification and/or authentication. Embodiments store a token at an operating system-level, wherein the token is accessible by an operating system running on the apparatus, and wherein the token comprises user identification information and/or user authentication information; and in response to an initiating event, initiate communication of the token to a second apparatus external to the apparatus. Some embodiments include initiation of an operation system-level instruction set for periodically, continuously, or in response to detecting a request, initiating communication of the token.

Abstract translation: 实施例旨在传达用于用户标识和/或认证的操作系统级令牌。 实施例在操作系统级存储令牌，其中令牌可由在设备上运行的操作系统访问，并且其中令牌包括用户标识信息和/或用户认证信息; 并且响应于启动事件，启动令牌的通信到设备外部的第二设备。 一些实施例包括周期地，连续地或响应于检测到请求而发起令牌的通信的操作系统级指令集的启动。

公开(公告)号：US20150294096A1

公开(公告)日：2015-10-15

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: G06F21/32 ,  G06F3/0488 ,  H04L29/06

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：US20150229622A1

公开(公告)日：2015-08-13

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

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).

Abstract translation: 公开了一种系统和相关联的方法或者通过一个或多个帐户访问信道来限制对用户帐户的访问。 系统通常包括存储在存储器中的处理器，存储器和访问限制模块。 该模块通常被配置为：将与用户帐户相关联的一个或多个帐户访问通道与访问限​​制过程集成; 接收来自用户的请求以实现访问限制过程; 基于接收到来自用户实施访问限制过程的请求，实现访问限制过程，其中实现访问限制过程包括通过帐户访问频道限制对用户帐户的访问。

公开(公告)号：US20150227924A1

公开(公告)日：2015-08-13

申请号：US14175652

申请日：2014-02-07

Applicant: Bank of America Corporation

Inventor： David M. Grigg ,  Hood Qaim-Maqami ,  Joseph Neil Johansen

IPC: G06Q20/38 ,  G06Q20/32

CPC classification number: G06Q20/382 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/405

Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific service access request based on determining a location along a an authentication continuum. The location along the authentication continuum defines the degree of authentication/credentials required to access the service and is determined based on a current state of the user and/or service attributes. The more or less that is known about the current state of the user, in comparison to historical data about the user, the more or less likely the user is, in fact, the user that is attempting to access the service and, thus, the authentication requirements required to access the service can be adjusted according (increased or decreased).

Abstract translation: 提供了系统，装置，方法和计算机程序产品，用于基于确定沿着认证连续体的位置确定特定服务访问请求的用户的认证要求/凭证。 沿着认证连续体的位置定义了访问服务所需的认证/凭证的程度，并且基于用户的当前状态和/或服务属性来确定。 与用户的历史数据相比，与用户的当前状态有关的或多或少是与用户实际上尝试访问服务的用户或多或少的可能性相反，因此， 访问服务所需的认证要求可以根据（增加或减少）进行调整。

公开(公告)号：US20150227727A1

公开(公告)日：2015-08-13

申请号：US14175643

申请日：2014-02-07

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 the user's residence, place of business 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（例如，用户的身份）相对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 居住地，营业地等。 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：US08930241B2

公开(公告)日：2015-01-06

申请号：US13691458

申请日：2012-11-30

Applicant: Bank of America Corporation

Inventor： David M. Grigg

IPC: G06Q20/00 ,  G06Q20/20

CPC classification number: G06Q20/204 ,  G06Q20/023 ,  G06Q20/3274

Abstract: Embodiments of the invention include systems, methods, and computer-program products for a clearing house for 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 any readable indicia, irrespective of the vendor providing the readable indicia. In some embodiments, the invention may provide merchants or users with readable indicia from one or more readable indicia vendors. In other embodiments, the invention may recognize readable indicia communicated to the system based on the vendor associated with the indicia. As such, the invention provides a clearing house for the directing, such as receiving, translating, and communicating readable indicia between parties of a transaction, such that each party may be able to recognize the readable indicia and complete the transaction.

Abstract translation: 本发明的实施例包括用于指示商店，用户和/或供应商的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任何可读标记来识别，读取和完成交易，而不管供应商提供可读标记。 在一些实施例中，本发明可以向商家或用户提供来自一个或多个可读标记供应商的可读标记。 在其他实施例中，本发明可以基于与标记相关联的供应商来识别传达到系统的可读标记。 因此，本发明提供了一种用于在交易的各方之间指导，诸如接收，翻译和传达可读标记的结算所，使得每一方都能够识别可读标记并完成交易。

公开(公告)号：US20140279713A1

公开(公告)日：2014-09-18

申请号：US13828155

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg ,  Scott Lee Harkey ,  Laura Corinne Bondesen

IPC: G06Q30/02

CPC classification number: G06Q20/3224 ,  G06Q20/127 ,  G07F17/0042 ,  G07F17/0057

Abstract: Systems, apparatus, methods and computer programs provide for self-service rental of rental items. The self-service aspect of the invention allows for renters to obtain the rental, leave the rental agency facility, return the rental item and pay for the rental without having to come into contact with anyone at the rental agency. The invention implements a renter's mobile device. In this regard, the mobile device receives information related to the rental item that the renter desires to rent and initiates the self-service process. The rental period is defined by the time at which the mobile device, equipped with location-determining mechanisms, departs a designated rental area and the time at which the mobile device returns to the same or another designated rental area. Once the rental period is known, the rental period payment amount can be determined based on a predetermined rental rate and payment provided.

Abstract translation: 系统，装置，方法和计算机程序提供租赁物品的自助租金。 本发明的自助服务方面允许租客获得租赁，离开租赁代理机构，退回租赁物品并支付租金，而不必与租赁代理处的任何人接触。 本发明实现了租用者的移动设备。 在这方面，移动设备接收租户想要出租的租赁项目的信息，并启动自助服务过程。 租赁期限由配备有位置确定机构的移动装置离开指定租赁区域以及移动装置返回到相同或另一指定出租区域的时间来定义。 一旦知道租赁期限，可以基于预定的租金率和所提供的付款来确定租赁期支付金额。

公开(公告)号：US20140279503A1

公开(公告)日：2014-09-18

申请号：US13801034

申请日：2013-03-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Peter John Bertanzetti ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  David M. Grigg

IPC: G06Q20/32

CPC classification number: G06Q20/3224 ,  G06Q20/3221

Abstract: Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether a geographic location associated with a transaction is geographically located within geo-thresholds associated with an authorized user and/or whether the geographic location associated with the transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If neither the geographic location associated with the transaction is geographically located within the geo-thresholds nor the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device, an alert is sent to the authorized user and/or to a merchant associated with the transaction.

Abstract translation: 本发明的实施例提供了用户位置验证的未经授权交易保护。 确定与交易相关联的地理位置是否在地理上位于与授权用户相关联的地理阈值内和/或与交易相关联的地理位置是否在地理上靠近与与移动设备相关联的移动设备相关联的地理位置 授权用户。 如果与交易相关联的地理位置都不在地理位置处于地理位置内，也不是与交易相关联的地理位置在地理上靠近与移动设备相关联的地理位置，则将警报发送到授权用户和/或 与交易相关联的商家。

公开(公告)号：US20140279008A1

公开(公告)日：2014-09-18

申请号：US13828849

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  David M. Grigg

IPC: G06Q30/02

CPC classification number: G06Q30/0215

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for providing an offer to a user based on linking a financial account to a merchant-specific account. In some embodiments, a method is provided that includes: (a) determining whether a user is a holder of an existing merchant-specific account; (b) prompting the user to link a debit account to the existing merchant-specific account based at least partially on determining that the user is the holder of the existing merchant-specific account; (c) receiving debit account information for linking the existing merchant-specific account to the debit account of the user; and (d) providing the offer to the user based on successfully linking the debit account to the merchant-specific account.

Abstract translation: 本发明的实施例涉及系统，方法和计算机程序产品，用于通过将财务帐户与特定于商户的帐户连接来向用户提供报价。 在一些实施例中，提供了一种方法，其包括：（a）确定用户是否是现有商户特定帐户的持有者; （b）至少部分地提示用户将借记帐户与现有的商户特定帐户相关联，至少部分地确定用户是现有商户特定帐户的持有人; （c）接收用于将现有的商户特定帐户与用户的借记帐户相关联的借记帐户信息; 以及（d）基于成功将借记帐户链接到商家特定帐户来向用户提供该提议。

公开(公告)号：US20140156536A1

公开(公告)日：2014-06-05

申请号：US13690091

申请日：2012-11-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Carrie Anne Hanson ,  Marc Lance Warshawsky

IPC: G06Q30/00

CPC classification number: G06Q20/3224 ,  G06Q20/3278 ,  G06Q30/016

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.

Abstract translation: 本发明的实施例涉及用于在移动设备上执行交易的初步步骤的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：确定用户已经进入了设施，其中用户具有移动设备，并且其中用户正在等待与设施中或远离设施的代理中的至少一个进行交互，或者计算 设备设备; 与移动设备通信以确定用户访问设施的原因，其原因包括旨在由用户在设施处执行的交易; 将表单发送到用户的移动设备，该表单基于预期的交易，以及提示用户输入与预期交易相关联的信息的形式; 从用户的移动设备接收用户填写的表单。