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公开(公告)号：US11568419B1
公开(公告)日：2023-01-31
申请号：US17125478
申请日：2020-12-17
发明人： Shari Van Cleave , Darren Michael Goetz , Dennis Emmanuel Montenegro , Dominik Vltavsky , Fairy Bui , Jason Huang , Christopher Sipanya
摘要： An example method includes receiving information related to a transaction with a financial account initiated by a customer at a financial terminal, the financial account including a transaction limit. Based on the information related to the transaction exceeding the transaction limit for the financial account, the method includes identifying a mobile device associated with the financial account and receiving location information of the mobile device via one or both of a passive location response or an active location response. Based on the location information of the mobile device, the method includes determining that the mobile device is located within a predetermined distance from a location of the financial terminal and temporarily changing the transaction limit for the financial account by a variable amount based on whether the location information of the mobile device was received via the one or both of the passive or the active location response.
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公开(公告)号：US20220156745A1
公开(公告)日：2022-05-19
申请号：US17650002
申请日：2022-02-04
发明人： Harlen Bayha , Jennifer Stacey Borchardt , Adam Clifford Christensen , Charles Cowell , Eduardo DeLa Torre , Kourtney Eidam , Darren M. Goetz , Eric David Greene , Robert Glenn Hamchuk , Miranda C. Hill , Pey-Ning Huang , Richard Harrison Luttrell, JR. , Orsolya Oldroyd , Paul Vittimberga , Dominik Vltavsky
摘要： A method implemented on an augmented reality electronic device includes establishing a wireless connection with an automated teller machine (ATM). The AR electronic device is used to authenticate a user of the AR electronic device at the ATM. An initiation is permitted of a financial transaction through user interface functionality for the ATM that is displayed on the AR electronic device. Financial information for the financial transaction is displayed on a display screen of the AR electronic device, instead of displaying the financial information at the ATM.
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公开(公告)号：US20210056554A1
公开(公告)日：2021-02-25
申请号：US14847366
申请日：2015-09-08
发明人： Sri Saravana Muthu , Dominik Vltavsky , Melody Kao
摘要： Systems and methods of authenticating customers of a financial institution are provided. A customer, involved in a financial transaction may be authenticated before consummation of a financial transaction. Authentication includes the system and method verifying the customer's identity and identifying the customer as a trusted customer. Authentication further includes aspects for determining the customer is co-located with the financial institution.
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公开(公告)号：US20200380547A1
公开(公告)日：2020-12-03
申请号：US15331143
申请日：2016-10-21
发明人： Dominik Vltavsky , Wayne Barakat , David C. Hatch
摘要： A computer-implemented method includes receiving financial activity information associated with a financial account of a user. The financial activity information relates to one or more financial activities of the user. Non-financial activity information relating to the user is received. The non-financial activity information relates to one or more non-financial activities of the user. A financial value is assigned to each of the financial and non-financial activities. A net financial value is determined based on the assigned financial values of each of the financial and non-financial activities, as well as historical net financial values of the user. An alert relating to at least one of the net financial value and the assigned financial values is transmitted to a device of the user.
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公开(公告)号：US10122719B1
公开(公告)日：2018-11-06
申请号：US14985724
申请日：2015-12-31
IPC分类号： H04L29/06
摘要： Various systems and methods for authenticating a user are described herein. A system comprises a processor subsystem; and a memory including instructions, which when executed by the processor subsystem, cause the processor subsystem to: receive at a server from a first user device, a first authentication token; receive at the server from a second user device, a second authentication token; authenticate the user based on the first and second authentication tokens; and establish a communication session from the server to the first user device when the user is authenticated.
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公开(公告)号：US09380421B1
公开(公告)日：2016-06-28
申请号：US14569131
申请日：2014-12-12
发明人： Dominik Vltavsky
CPC分类号： H04W4/021 , G06Q20/3223 , G06Q20/3224 , G06Q20/4014
摘要： Systems and methods of adjusting computing device applications, such as smartphone applications, based on external beacon identifiers are described. Based on the identifier of the beacon detected by the smartphone, the smartphone application communicates with a backend server to receive location-specific information based on the identifier of the detected beacon. The location-specific information includes a location-specific user interface. In some arrangements, the location-specific user interface includes a designated user authentication level that varies from other location-specific user interfaces.
摘要翻译： 描述了基于外部信标标识符来调整诸如智能电话应用的计算设备应用的系统和方法。 基于由智能手机检测到的信标的标识符，智能手机应用程序与后端服务器通信，以基于检测到的信标的标识符接收位置特定的信息。 位置特定信息包括位置特定的用户界面。 在一些安排中，位置特定用户界面包括与其他位置特定用户界面不同的指定用户认证级别。
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公开(公告)号：US11974188B1
公开(公告)日：2024-04-30
申请号：US18103347
申请日：2023-01-30
发明人： Dominik Vltavsky
CPC分类号： H04W4/021 , G06Q20/3221 , G06Q20/3223 , G06Q20/3224 , G06Q20/325 , G06Q20/4014 , G06Q20/405 , G06Q40/02
摘要： A method of remotely configuring a banking application based on a detected location of a computing device running the banking application, the method comprising: receiving a beacon identifier relating to a location of the computing device; determining the location of the computing device based on the beacon identifier; transmitting information about the determined location associated with a second authentication level that does not require authentication information; receiving authentication information relating to the user; authenticating the user to access a graphical user interface associated with the determined location based on the received authentication information; transmitting an authentication decision to the computing device; and displaying the graphical user interface instead of the information about the determined location.
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公开(公告)号：US11272317B1
公开(公告)日：2022-03-08
申请号：US17333481
申请日：2021-05-28
发明人： Dominik Vltavsky
摘要： A method of remotely configuring a banking application based on a detected location of a computing device running the banking application, the method comprising: receiving a beacon identifier relating to a location of the computing device; determining the location of the computing device based on the beacon identifier; transmitting information about the determined location associated with a second authentication level that does not require authentication information; receiving authentication information relating to the user; authenticating the user to access a graphical user interface associated with the determined location based on the received authentication information; transmitting an authentication decision to the computing device; and displaying the graphical user interface instead of the information about the determined location.
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公开(公告)号：US10812485B1
公开(公告)日：2020-10-20
申请号：US16168159
申请日：2018-10-23
IPC分类号： H04L29/06
摘要： Various systems and methods for authenticating a user are described herein. A system comprises a processor subsystem; and a memory including instructions, which when executed by the processor subsystem, cause the processor subsystem to: receive at a server from a first user device, a first authentication token; receive at the server from a second user device, a second authentication token; authenticate the user based on the first and second authentication tokens; and establish a communication session from the server to the first user device when the user is authenticated.
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公开(公告)号：US10560799B1
公开(公告)日：2020-02-11
申请号：US15165141
申请日：2016-05-26
发明人： Dominik Vltavsky
摘要： Systems and methods of adjusting computing device applications, such as smartphone applications, based on external beacon identifiers are described. Based on the identifier of the beacon detected by the smartphone, the smartphone application communicates with a backend server to receive location-specific information based on the identifier of the detected beacon. The location-specific information includes a location-specific user interface. In some arrangements, the location-specific user interface includes a designated user authentication level that varies from other location-specific user interfaces.
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