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    Wearable device as a payment vehicle
    43.
    发明授权
    Wearable device as a payment vehicle 有权
    穿戴式装置作为支付车辆

    公开(公告)号：US09384481B2

    公开(公告)日：2016-07-05

    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: G07F19/00 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/10 ,  G06K19/07 ,  G06K7/10

    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.

    Abstract translation: 本发明涉及用于多用途可穿戴设备的设备，方法和计算机程序产品，其与一个或多个财务帐户相关联，其中在使用中，所述可穿戴设备被配置为利用金融交易中的至少一个 一个或多个财务账户。 所述可穿戴装置包括：可穿戴物品，其中所述可穿戴物品包括将所述可穿戴物品固定到人或与所述人相关联的物品的一个或多个特征; 以及包括机器可读标记的部分，其中当成功读取时机器可读标记提供用于进行金融交易的支付信息。

    Geolocation check-in system
    46.
    发明授权
    Geolocation check-in system 有权
    地理位置登记系统

    公开(公告)号：US09311685B2

    公开(公告)日：2016-04-12

    申请号：US13826671

    申请日：2013-03-14

    Applicant: BANK OF AMERICA CORPORATION

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

    IPC: G06Q30/00 ,  G06Q50/10 ,  G06Q50/00 ,  H04L29/08 ,  G06Q30/06

    CPC classification number: G06Q10/02 ,  G06Q10/04 ,  G06Q30/0601 ,  G06Q30/0619 ,  G06Q50/01 ,  G06Q50/10 ,  H04L67/18 ,  H04W4/02 ,  H04W4/021

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.

    Abstract translation: 本发明的实施例涉及用于提供地理位置登记系统的系统，方法和计算机程序产品。 示例性装置被配置为收集与用户相关的定位数据。 在收集位置数据之后，装置可以被配置为至少部分地基于用户已经越过与商家的位置相关联的地理围栏的阈值的定位数据来确定。 至少部分地基于该确定，该装置可以被配置为发起与用户相关联的商家签入并向用户传送用户信息。

    DETERMINING USER AUTHENTICATION REQUIREMENTS ALONG A CONTINUUM BASED ON A CURRENT STATE OF THE USER AND/OR THE ATTRIBUTES RELATED TO THE FUNCTION REQUIRING AUTHENTICATION
    47.
    发明申请
    DETERMINING USER AUTHENTICATION REQUIREMENTS ALONG A CONTINUUM BASED ON A CURRENT STATE OF THE USER AND/OR THE ATTRIBUTES RELATED TO THE FUNCTION REQUIRING AUTHENTICATION 审中-公开
    根据用户的当前状态和/或与需要认证的功能相关的属性的连续性确定用户认证要求

    公开(公告)号：US20160057144A1

    公开(公告)日：2016-02-25

    申请号：US14928312

    申请日：2015-10-30

    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: H04L29/06

    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 function requiring authentication based on determining a location along an authentication continuum. The location along the authentication continuum defines the degree of authentication/credentials required to access the function and is determined based on a current state of the user and/or function attributes. The more or less that is known about the current state of the user the more or less likely the user is the user that is attempting to access the function and, thus, the authentication requirements required to access the function 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，用于基于确定沿认证连续体的位置来确定用户需要认证的功能的认证要求/凭证。 沿着认证连续体的位置定义了访问功能所需的认证/凭证的程度，并且基于用户的当前状态和/或功能属性来确定。 对于用户的当前状态或多或少已知的用户或多或少可能是用户正试图访问功能，因此访问该功能所需的认证要求可以根据（增加或 减少）。

    DETERMINING USER AUTHENTICATION BASED ON USER PATTERNS WITHIN APPLICATION
    48.
    发明申请
    DETERMINING USER AUTHENTICATION BASED ON USER PATTERNS WITHIN APPLICATION 审中-公开
    基于应用程序中的用户模式确定用户认证

    公开(公告)号：US20160055487A1

    公开(公告)日：2016-02-25

    申请号：US14928360

    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

    IPC: G06Q20/40 ,  G06F21/31

    CPC classification number: G06Q20/4014 ,  G06F21/316 ,  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 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 user 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用户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; 并且响应成功验证，执行用户操作。

    DETERMINATION OF CUSTOMER PRESENCE BASED ON COMMUNICATION OF A MOBILE COMMUNICATION DEVICE DIGITAL SIGNATURE
    50.
    发明申请
    DETERMINATION OF CUSTOMER PRESENCE BASED ON COMMUNICATION OF A MOBILE COMMUNICATION DEVICE DIGITAL SIGNATURE 有权
    基于通信的移动通信设备数字签名确定客户存在

    公开(公告)号：US20160005048A1

    公开(公告)日：2016-01-07

    申请号：US14856017

    申请日：2015-09-16

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Richard Andrew Starbuck ,  Carrie Anne Hanson ,  Alicia C. Jones-McFadden ,  Nathan Dent ,  Nicholas Munson ,  Matthew K. Bryant

    IPC: G06Q30/00 ,  H04W4/00 ,  H04M1/725 ,  H04W4/02

    CPC classification number: G06Q30/01 ,  G02B27/017 ,  G02B2027/0138 ,  G02B2027/014 ,  G02B2027/0178 ,  G02B2027/0187 ,  H04M1/72572 ,  H04W4/023 ,  H04W4/21 ,  H04W4/80

    Abstract: Systems, apparatus, and computer program products provide for monitoring an area within or proximate to a place of business for digital signatures of mobile communication devices, such as cellular devices or wearable communication devices. The captured digital signatures are then matched to digital signatures associated with existing customers of the business to determine the presence of the existing customer within or proximate to the place of business. Once the presence of the existing customer within or proximate to the business is known, the business can access other relevant information, such as customer profile information, prior transaction/interaction information or the like to enhance the customer's current interaction with the business. Moreover, once the presence of the existing customer is known, location determining mechanisms may implemented to track the location of the known customer within or proximate to the place of business for the purpose of positively identifying the known customer.

    Abstract translation: 系统，装置和计算机程序产品用于监视移动通信设备（例如蜂窝设备或可穿戴通信设备）的数字签名的业务场所内或附近的区域。 然后将捕获的数字签名与与业务的现有客户相关联的数字签名进行匹配，以确定现有客户在业务场所内或附近的存在。 一旦知道业务内部或附近的现有客户的存在是已知的，则业务可以访问其他相关信息，例如客户简档信息，先前交易/交互信息等，以增强客户当前与业务的交互。 此外，一旦知道了现有客户的存在，就可以实现位置确定机制，以便在正确地识别已知客户的目的的情况下跟踪商业地点内或附近的已知客户的位置。

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