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公开(公告)号：US20140122328A1
公开(公告)日：2014-05-01
申请号：US13667580
申请日：2012-11-02
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg
CPC classification number: G06Q20/322 , G06Q20/3276 , G06Q20/3278
Abstract: Embodiments of the invention are directed to making a payment using a portable mobile communication apparatus. An exemplary portable mobile communication apparatus is configured to: initiate presentation of a first option on a user interface to pay via readable indicia (e.g., a QR code), initiate presentation of a second option on the user interface (e.g., the same user interface) to pay via a short-range wireless mechanism (e.g., NFC), and determine a payment option selected by a user.
Abstract translation: 本发明的实施例涉及使用便携式移动通信装置进行支付。 示例性便携式移动通信装置被配置为：在用户界面上发起第一选项的呈现以通过可读标记（例如，QR码）支付，在用户界面上发起第二选项的呈现（例如，相同的用户界面 ）通过短距离无线机制（例如，NFC）支付，并确定用户选择的支付选项。
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公开(公告)号：US09699599B2
公开(公告)日：2017-07-04
申请号：US14328079
申请日：2014-07-10
Applicant: Bank of America Corporation
Inventor： Don Cardinal , David M. Grigg
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.
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公开(公告)号：US09595025B2
公开(公告)日：2017-03-14
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.
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。
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公开(公告)号：US09530124B2
公开(公告)日：2016-12-27
申请号：US15016132
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：US20160350858A1
公开(公告)日：2016-12-01
申请号：US14723186
申请日：2015-05-27
Applicant: BANK OF AMERICA CORPORATION
Inventor： Katherine Dintenfass , Alicia C. Jones-McFadden , Jeanne Ferullo Connolly , David M. Grigg , Sahil Bahri , Sonny Tai , Markondapatnaikuni Samba Siva Patnaik , Craig Terrill
CPC classification number: G06Q40/06 , G06Q20/10 , G06Q20/105 , G06Q20/405
Abstract: A system and related embodiments are presented that establishes a goal guarantee for a user that provides the user a guarantee of acquiring, at a future date, a life goal based on the user providing a predetermined funding amount over time to a life goal account. The life goal includes goods, real estate and/or services. The predetermined funding amount is determined based at least in part on a predicted future cost for the goal and an uncertainty calculation associated with the user. Once funds are accumulated in the life goal account, the invention provides for automatically reallocating funds in the life goal account from a higher uncertainty investment to a lower uncertainty investment in response to one or more predetermined triggering events, such as dates, amount thresholds, meeting predetermined price thresholds for the goal or components of the goal.
Abstract translation: 呈现系统和相关实施例，其为用户提供目标保证，以向用户提供保证，在将来的日期，基于用户在生命目标账户中随时间提供预定的资金金额来获得生命目标。 生活目标包括货物，房地产和/或服务。 至少部分地基于目标的预测未来成本和与用户相关联的不确定性计算来确定预定供资金额。 一旦资金积累在生命目标帐户中，本发明就可以自动地将生命目标账户中的资金从更高的不确定性投资转移到较低的不确定性投资，以响应一个或多个预定的触发事件，例如日期，金额阈值，会议 目标或目标组件的预定价格阈值。
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Patent Agency Ranking
36.发明申请INTEGRATED FINANCIAL AND HEALTH MONITORING SYSTEM UTILIZING WEARABLE DEVICES 审中-公开综合财务和健康监测系统利用可消费的设备公开(公告)号：US20160350846A1
公开(公告)日：2016-12-01
申请号：US14723288
申请日：2015-05-27
Applicant: Bank of America Corporation
Inventor： Katherine Dintenfass , David M. Grigg , Alicia C. Jones-McFadden , Jeanne Ferullo Connolly , Craig Terrill , Sahil Bahri , Sonny Tai , Markondapatnaikuni Samba Siva Patnaik
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a system that utilizes health information (e.g., steps taken, miles walked, exercise time, strenuous activity, pulse, heart rate, sweat analysis, breath analysis, blood analysis, caloric intake, skin analysis, temperature analysis, brainwave analysis, other medical diagnostic information, or the like) captured from wearable devices, and financial transactions to adjust estimated or projected life expectancy and health expenses (e.g., medical care expenses, fitness care expenses, health food expenses, or the like) of a user, in order to adjust retirement age, retirement savings, or other financial information, and display this information in a financial, health, and/or retirement monitoring interface.
Abstract translation: 本发明的实施例涉及一种利用健康信息（例如步骤，步行，运动时间，剧烈活动，脉搏，心跳率，汗液分析，呼吸分析，血液分析）的系统的系统，方法和计算机程序产品 ，热量摄取，皮肤分析，温度分析，脑波分析，其他医疗诊断信息等）和金融交易，以调整估计或预计的预期寿命和健康费用（例如医疗费用，健身护理费用 ，健康食品费用等），以便调整退休年龄，退休储蓄或其他财务信息，并将该信息显示在财务，健康和/或退休监控界面中。
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公开(公告)号：US09501765B2
公开(公告)日：2016-11-22
申请号：US14977139
申请日：2015-12-21
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Carlos Vieira , Susan Smith Thomas
CPC classification number: G06Q10/1097 , G06F17/30884 , 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.
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公开(公告)号：US09495525B2
公开(公告)日：2016-11-15
申请号：US15047399
申请日：2016-02-18
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：US20160248781A1
公开(公告)日：2016-08-25
申请号：US15046362
申请日：2016-02-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Joseph Neil Johansen , Carrie Anne Hanson , Charles Jason Burrell , Elizabeth S. Votaw
CPC classification number: H04L63/105 , G06F17/30312 , G06F17/30528 , G06F17/30867 , G06F21/31 , G06Q40/02 , H04L63/0823 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L63/107 , H04W12/06
Abstract: Embodiments of the invention are directed to a system, method, and a computer program product self-selected user access based on specific authentication types. The system typically including a memory, a processor, and a module configured to receive from a user, a user-selected preference, wherein the user-selected preference comprises one or more authentication types desired by the user; determine a level of authentication from a plurality of levels of authentication are associated with the one or more authentication types associated with the user-selected preference; initiate the presentation of a user interface that enables the user to select one or more application functions, wherein the one or more application functions are associated with the determined level of authentication; receive from a user, a selection of one or more application functions.
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公开(公告)号：US09398000B2
公开(公告)日：2016-07-19
申请号：US15047565
申请日：2016-02-18
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Peter John Bertanzetti , Hood Qaim-Maqami
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.
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