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    USER AUTHENTICATION BASED ON OTHER APPLICATIONS
    31.
    发明申请
    USER AUTHENTICATION BASED ON OTHER APPLICATIONS 有权

    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.

    Sorting mobile banking functions into authentication buckets
    33.
    发明授权
    Sorting mobile banking functions into authentication buckets 有权
    将移动银行功能分为认证桶

    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。

    PROVIDING E-RECEIPTS TO CUSTOMERS
    35.
    发明申请
    PROVIDING E-RECEIPTS TO CUSTOMERS 有权
    向客户提供电子收货

    公开(公告)号：US20150332415A1

    公开(公告)日：2015-11-19

    申请号：US14280112

    申请日：2014-05-16

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Neil Johansen ,  Farhan Ahmed Siddiqi ,  David Reed Godsman ,  David M. Grigg

    IPC: G06Q40/00

    CPC classification number: G06Q40/12 ,  G06Q20/202 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q40/02

    Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

    Abstract translation: 本发明的实施例涉及用于向客户提供电子收据的系统，方法和计算机程序产品。 实施例接收客户的授权，以便客户登记在交易电子收据通信程序中; 接收对应于客户在商家交易点执行的至少一个交易的交易数据; 并且至少部分地基于所接收的交易数据，向客户发起电子收据的通信。 一些实施例从交易电子收据通信程序点接收来自多个注册商家的登记以进行注册; 并构建一个合作商家列表，其中包括与实施交易电子收据通信程序点的金融机构合作的多个合作商家对应的信息。

    SPECIALIST PRESENTATION
    36.
    发明申请
    SPECIALIST PRESENTATION 审中-公开
    专家介绍

    公开(公告)号：US20150227902A1

    公开(公告)日：2015-08-13

    申请号：US14175045

    申请日：2014-02-07

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Peter John Bertanzetti ,  Kevin T. Cole ,  Carrie Anne Hanson ,  Elizabeth S. Votaw ,  Joseph Neil Johansen

    IPC: G06Q20/10 ,  H04L29/08 ,  H04L12/18

    CPC classification number: G06Q20/108 ,  G06Q20/10 ,  G06Q40/02 ,  H04L51/32 ,  H04L67/306 ,  H04W4/21

    Abstract: Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user in a website or application the user is viewing, an application running in the background of a user system, or through a communication channel. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialist with the user. The conditions may include but are not limited to locations of the user and specialists, profile information of the user and specialists, social networking contacts for the user and specialists, or other like account profile information for the user and specialists.

    Abstract translation: 本发明的实施例提供了一种专家呈现工具，其将用户正在观看的网站或应用中的机构的专家，用户系统的背景中运行的应用或通信信道呈现给用户。 可以基于用户采取动作时发生的触发或者当对用户帐户采取行动时，向用户呈现专家。 确定一个或多个专家向满足触发器的一组专家向用户呈现可以基于与专家与用户相匹配的一个或多个条件。 条件可以包括但不限于用户和专家的位置，用户和专家的简档信息，用户和专家的社交网络联系人或用户和专家的其他类似的帐户简档信息。

    USER AUTHENTICATION BASED ON OTHER APPLICATIONS
    37.
    发明申请
    USER AUTHENTICATION BASED ON OTHER APPLICATIONS 有权
    基于其他应用的用户认证

    公开(公告)号：US20150227731A1

    公开(公告)日：2015-08-13

    申请号：US14175863

    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 ,  Elizabeth S. Votaw

    IPC: G06F21/31

    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.

    Abstract translation: 本发明包括用于基于第一动作认证第二动作的系统，其中所述系统被配置为：接收执行与第一应用相关联的第一动作的第一请求; 确定第一个操作的执行需要用户认证; 从用户请求一个或多个认证凭证; 接收与第一动作相关联的第一认证证书; 验证第一认证证书，从而导致对所接收的第一认证凭证的成功验证; 响应成功验证，执行第一个动作; 接收执行与第二应用相关联的第二动作的第二请求; 确定第二个动作的执行需要用户认证; 使用第一认证证书的成功验证来验证第二认证证书，以便可以执行第二动作。

    SELF-SELECTED USER ACCESS BASED ON SPECIFIC AUTHENTICATION TYPES
    38.
    发明申请
    SELF-SELECTED USER ACCESS BASED ON SPECIFIC AUTHENTICATION TYPES 有权
    基于特定认证类型的自选用户访问

    公开(公告)号：US20150227729A1

    公开(公告)日：2015-08-13

    申请号：US14175672

    申请日：2014-02-07

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Joseph Neil Johansen ,  Carrie Anne Hanson ,  Charles Jason Burrell ,  Elizabeth S. Votaw

    IPC: G06F21/31

    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.

    Abstract translation: 本发明的实施例涉及基于特定认证类型的系统，方法和计算机程序产品自选用户访问。 该系统通常包括存储器，处理器和被配置为从用户接收用户选择的优先级的模块，其中用户选择的优选包括用户期望的一种或多种认证类型; 确定来自多个认证级别的认证级别与与所述用户选择的偏好相关联的所述一个或多个认证类型相关联; 启动允许用户选择一个或多个应用功能的用户界面的呈现，其中所述一个或多个应用功能与所确定的认证级别相关联; 从用户接收，选择一个或多个应用功能。

    PAYMENT TRANSPARENCY TOOL
    39.
    发明申请
    PAYMENT TRANSPARENCY TOOL 审中-公开
    付款透明工具

    公开(公告)号：US20150006340A1

    公开(公告)日：2015-01-01

    申请号：US13932713

    申请日：2013-07-01

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Gregory Joseph Lloyd ,  Melissa Christine Derville Hart ,  Amy Marson Fistner ,  Paula Christine Hanson ,  Joseph Neil Johansen ,  Traci Leigh Johnston Plyler ,  Preston J. Taylor

    IPC: G06Q40/00

    CPC classification number: G06Q40/12

    Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a payment transparency tool that enables users (e.g., employees and/or customers) to identify the rules for payment assessments, the reasons that specific payments were assessed on customer accounts, and the criteria for avoiding future payments. The payment transparency tool compiles and analyzes payment assessment data for various customer accounts, identifies customer account information for the accounts, and creates customized views for users to present clear explanations and data to address payment assessment questions. In some embodiments multiple payments assessed on multiple customer accounts may be presented to a user in an interface through a consolidated payment assessment list. Within an interface a user can view data related to the date a payment was assessed, the type of payment, the payment amount, payment rules, customer-specific reasons for the payment assessment, and avoidance rules.

    Abstract translation: 本发明的实施例包括用于支付透明度工具的系统，计算机程序产品和方法，其使用户（例如，雇员和/或客户）能够识别用于支付评估的规则，在客户账户上评估特定支付的原因，以及 避免未来付款的标准。 支付透明度工具汇总和分析各种客户帐户的付款评估数据，识别帐户的客户帐户信息，并为用户创建自定义视图，提供清晰的解释和数据来解决付款评估问题。 在一些实施例中，可以通过综合支付评估列表在界面中向用户呈现在多个客户帐户上评估的多个支付。 在界面中，用户可以查看与付款评估日期，支付类型，付款金额，付款规则，客户特定的付款评估原因以及回避规则有关的数据。

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