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    System for affecting appointment calendaring on a mobile device based on dependencies
    111.
    发明授权
    System for affecting appointment calendaring on a mobile device based on dependencies 有权

    公开(公告)号：US10387846B2

    公开(公告)日：2019-08-20

    申请号：US14797021

    申请日：2015-07-10

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Alicia C. Jones-McFadden ,  Matthew Hsieh ,  Jade Michelle Le Vo-Dinh ,  David M. Grigg ,  Carrie Anne Hanson ,  Peter John Bertanzetti

    IPC: G06Q10/10 ,  H04M1/725

    Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user's location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

    User authentication by token and comparison to visitation pattern
    113.
    发明授权
    User authentication by token and comparison to visitation pattern 有权

    公开(公告)号：US10121142B2

    公开(公告)日：2018-11-06

    申请号：US14251291

    申请日：2014-04-11

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Richard Andrew Starbuck ,  Carrie Anne Hanson ,  Alicia C. Jones

    IPC: G06Q20/40 ,  G06Q20/38 ,  H04L29/06 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/36

    Abstract: Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.

    System for creating and processing coded payment methods
    114.
    发明授权
    System for creating and processing coded payment methods 有权

    公开(公告)号：US10096017B2

    公开(公告)日：2018-10-09

    申请号：US15045172

    申请日：2016-02-16

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg

    IPC: G06Q20/32 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/08 ,  G06Q20/20

    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.

    User authentication based on FOB/indicia scan
    118.
    发明授权
    User authentication based on FOB/indicia scan 有权
    基于FOB /标记扫描的用户认证

    公开(公告)号：US09584527B2

    公开(公告)日：2017-02-28

    申请号：US15019627

    申请日：2016-02-09

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Charles Jason Burrell ,  Peter John Bertanzetti

    IPC: G06F21/31 ,  H04L29/06 ,  G06F21/62 ,  H04L9/32 ,  H04W4/00

    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。

    SYSTEM FOR AFFECTING APPOINTMENT CALENDARING ON A MOBILE DEVICE WITH PRE- AND POST- APPOINTMENT ENRICHMENT
    120.
    发明申请
    SYSTEM FOR AFFECTING APPOINTMENT CALENDARING ON A MOBILE DEVICE WITH PRE- AND POST- APPOINTMENT ENRICHMENT 审中-公开
    影响移动设备上任命预约和后期任用的系统

    公开(公告)号：US20170011351A1

    公开(公告)日：2017-01-12

    申请号：US14797012

    申请日：2015-07-10

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Alicia C. Jones-McFadden ,  Matthew Hsieh ,  Jade Michelle Le Vo-Dinh ,  David M. Grigg ,  Carrie Anne Hanson ,  Peter John Bertanzetti

    IPC: G06Q10/10 ,  G06F3/0484 ,  G06F3/0481

    CPC classification number: G06Q10/1095 ,  G06F3/0481 ,  G06F3/0484 ,  G06Q10/063112 ,  G06Q10/1097 ,  H04M3/5233

    Abstract: Embodiments of the invention include systems, methods, and computer-program products for enriching appointment calendaring with pre- and post-appointment requirements. In this way, the invention creating an appointment ticket in the user's passbook or calendar for one or more calendared appointments identified in a user's calendar. The system may enrich the saved appointment with information, documents, or the like that may be required for the appointment prior to the appointment occurring. In this way, the system may generate and fill out the necessary documents for the user in preparation for the appointment. Furthermore, the system may enrich the stored appointment data with information post-appointment. For example, the system may incorporate a log of the appointment, follow-up information required, or the like.

    Abstract translation: 本发明的实施例包括系统，方法和计算机程序产品，用于在预约和预约后要求下丰富约会日程。 以这种方式，本发明在用户的日历中标识的一个或多个日历约会中在用户的存折或日历中创建约会票。 该系统可以在约定发生之前，为预约所需的信息，文件等丰富拯救的约会。 以这种方式，系统可以生成并填写用于准备约会的用户所需的文件。 此外，该系统可以利用预约后的信息丰富存储的约会数据。 例如，系统可以包括约会的日志，所需的后续信息等。

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