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公开(公告)号：US20160164857A1
公开(公告)日：2016-06-09
申请号：US15047114
申请日：2016-02-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Peter John Bertanzetti , Michael E. Toth , Carrie Anne Hanson , Elizabeth S. Votaw
CPC classification number: G06Q20/405 , G06F17/3053 , G06Q20/3224 , G06Q20/327 , G06Q20/34 , G06Q20/4016 , H04L63/08 , H04L2463/082 , H04W12/04
Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. 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 transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; 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, execute the user action.
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公开(公告)号：US20160162998A1
公开(公告)日：2016-06-09
申请号：US15041988
申请日：2016-02-11
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Neil Johansen , Farhan Ahmed Siddiqi , David Reed Godsman , David M. Grigg
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.
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公开(公告)号：US20160162877A1
公开(公告)日：2016-06-09
申请号：US15045177
申请日：2016-02-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg
CPC classification number: G06Q20/3274 , G06Q20/02 , G06Q20/023 , G06Q20/06 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/3276
Abstract: Embodiments of the invention include systems, methods, and computer-program products for a clearing house for creating and 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 a created universal readable indicia, irrespective of the entities associated with the transaction. The invention may create and provide a universal readable indicia that may be read and/or scanned by any of a user, merchant, or vendor. Subsequently, upon scanning, the system may recognize the appropriate vendor associated with the scan, based on information about the user or merchant derived from the scan. As such, the invention may be able to convert the universal readable indicia to one or more indicia accepted by a vendor that may complete the transaction with the user and/or merchant.
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公开(公告)号：US20160156609A1
公开(公告)日：2016-06-02
申请号：US15016130
申请日：2016-02-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Peter John Bertanzetti , Charles Jason Burrell , Carrie Anne Hanson , Joseph Neil Johansen , Michael E. Toth
CPC classification number: G06F21/31 , G06F2221/2111 , H04L63/08 , H04L63/10 , H04W4/02 , H04W4/021 , H04W4/023
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 predetermined boundaries of location that have altered authentication requirements, in the form of, increased or decreased authentication requirements/credentials that differ from the standard authentication requirements.
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公开(公告)号：US20160155189A1
公开(公告)日：2016-06-02
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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Patent Agency Ranking
公开(公告)号：US20160148127A1
公开(公告)日：2016-05-26
申请号：US15009524
申请日：2016-01-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Lee Harkey , David M. Grigg , Laura Corinne Bondesen , Matthew A. Calman
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。
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公开(公告)号：US09331994B2
公开(公告)日：2016-05-03
申请号：US14175701
申请日：2014-02-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Peter John Bertanzetti , Michael E. Toth , Carrie Anne Hanson , Elizabeth S. Votaw
CPC classification number: G06Q20/405 , G06F17/3053 , G06Q20/3224 , G06Q20/327 , G06Q20/34 , G06Q20/4016 , H04L63/08 , H04L2463/082 , H04W12/04
Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. 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 transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; 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, execute the user action.
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公开(公告)号：US09317674B2
公开(公告)日：2016-04-19
申请号：US14175615
申请日：2014-02-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Charles Jason Burrell , Peter John Bertanzetti
CPC classification number: H04L63/105 , G06F21/31 , G06F21/629 , G06F2221/2113 , G06F2221/2149 , H04L9/3226 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L63/107 , H04W4/80
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.
Abstract translation: 本发明的实施例涉及用于从用户接收对与第一应用相关联的至少一个功能的访问的请求的系统，方法和计算机程序产品; 确定对至少一个功能的访问需要用户认证; 启动对包括第一凭证的验证验证载体的感测; 至少部分地基于感测到的认证验证载体来确定第一证书; 验证第一个凭证，从而导致第一个成功的用户认证; 以及基于所述第一成功用户认证的验证，授予对与所述第一应用相关联的至少一个功能的访问。
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公开(公告)号：US09317673B2
公开(公告)日：2016-04-19
申请号：US14175146
申请日：2014-02-07
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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公开(公告)号：US09275418B2
公开(公告)日：2016-03-01
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
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到的交易数据，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。
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