公开(公告)号：US20150227901A1

公开(公告)日：2015-08-13

申请号：US14175039

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 an online banking account. 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 or information 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，其向在线银行帐户中的机构的专家提供给用户。 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，用户和专家的简介信息，社交网络联系人或用户和专家的信息，或用户和专家的其他类似的帐户简档信息。

公开(公告)号：US20150227730A1

公开(公告)日：2015-08-13

申请号：US14175688

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: H04L63/08 ,  G06F21/31 ,  H04L63/0876 ,  H04L63/10

Abstract: Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences. The system typically including a memory, a processor, and a module configured to receive a request to execute a user action from a user associated with an application, wherein the user action requires validation of one or more authentication credentials; access a user-selected preference indicating a level of authentication associated with a user-selected preference as desired by the user; determine authentication types from a plurality of authentication types associated with the level of authentication and the user-selected preference; request one or more authentication credentials corresponding to the determined one or more authentication types; receive one or more authentication credentials from the user; validate the one or more authentication credentials and in response to the successful validation of the one or more authentication credentials, execute the user action.

Abstract translation: 本发明的实施例涉及一种用于基于自选择的偏好的用户认证的系统，方法和计算机程序产品。 该系统通常包括存储器，处理器和模块，其被配置为从与应用相关联的用户接收执行用户动作的请求，其中所述用户动作需要验证一个或多个认证凭证; 访问用户选择的偏好，其指示与用户所期望的用户选择的偏好相关联的认证级别; 从与认证级别和用户选择的优先级相关联的多种认证类型中确定认证类型; 请求与所确定的一种或多种认证类型相对应的一个或多个认证证书; 从用户接收一个或多个认证凭证; 验证一个或多个认证凭证，并且响应于成功验证一个或多个认证凭证，执行用户操作。