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    Transaction preparation using mobile device
    121.
    发明授权
    Transaction preparation using mobile device 有权
    使用移动设备进行交易准备

    公开(公告)号：US09508070B2

    公开(公告)日：2016-11-29

    申请号：US13690091

    申请日：2012-11-30

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Matthew A. Calman ,  Carrie Anne Hanson ,  Marc Lance Warshawsky

    IPC: G06Q20/00 ,  G06Q20/32 ,  G06Q30/00

    CPC classification number: G06Q20/3224 ,  G06Q20/3278 ,  G06Q30/016

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.

    Abstract translation: 本发明的实施例涉及用于在移动设备上执行交易的初步步骤的系统，方法和计算机程序产品。 在一些实施例中，系统被配置为：确定用户已经进入了设施，其中用户具有移动设备，并且其中用户正在等待与设施中或远离设施的代理中的至少一个进行交互，或者计算 设备设备; 与移动设备通信以确定用户访问设施的原因，其原因包括旨在由用户在设施处执行的交易; 将表单发送到用户的移动设备，该表单基于预期的交易，以及提示用户输入与预期交易相关联的信息的形式; 从用户的移动设备接收用户填写的表单。

    User authentication based on historical transaction data
    122.
    发明授权
    User authentication based on historical transaction data 有权
    基于历史交易数据的用户认证

    公开(公告)号：US09483766B2

    公开(公告)日：2016-11-01

    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

    IPC: G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  G06Q20/40 ,  H04W12/04 ,  G06Q20/32 ,  G06Q20/34

    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.

    Abstract translation: 实施例涉及用于基于交易数据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; 收集包含由用户进行的交易相关信息的数据交易集合; 收集包括与用户的物理位置有关的信息的位置数据集; 确定与用户和交易相关联的交易接近评分; 确定与确定的交易接近评分相关联的认证级别; 确定哪些认证类型与认证级别相关联; 请求认证凭证; 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; 并且响应于认证证书的成功验证，执行用户动作。

    User authentication by operating system-level token
    125.
    发明授权
    User authentication by operating system-level token 有权
    通过操作系统级令牌进行用户认证

    公开(公告)号：US09424575B2

    公开(公告)日：2016-08-23

    申请号：US14251351

    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: G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  G06Q20/38 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/40 ,  H04W12/06

    CPC classification number: G06Q20/3821 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/363 ,  G06Q20/385 ,  G06Q20/4016 ,  H04L63/08 ,  H04W12/06

    Abstract: Embodiments are directed to communicating an operating system-level token for user identification and/or authentication. Embodiments store a token at an operating system-level, wherein the token is accessible by an operating system running on the apparatus, and wherein the token comprises user identification information and/or user authentication information; and in response to an initiating event, initiate communication of the token to a second apparatus external to the apparatus. Some embodiments include initiation of an operation system-level instruction set for periodically, continuously, or in response to detecting a request, initiating communication of the token.

    Abstract translation: 实施例旨在传达用于用户标识和/或认证的操作系统级令牌。 实施例在操作系统级存储令牌，其中令牌可由在设备上运行的操作系统访问，并且其中令牌包括用户标识信息和/或用户认证信息; 并且响应于启动事件，启动令牌的通信到设备外部的第二设备。 一些实施例包括周期地，连续地或响应于检测到请求而发起令牌的通信的操作系统级指令集的启动。

    PROVIDING AUTHENTICATION USING PREVIOUSLY-VALIDATED AUTHENTICATION CREDENTIALS
    127.
    发明申请
    PROVIDING AUTHENTICATION USING PREVIOUSLY-VALIDATED AUTHENTICATION CREDENTIALS 有权

    公开(公告)号：US20160173477A1

    公开(公告)日：2016-06-16

    申请号：US15047562

    申请日：2016-02-18

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Peter John Bertanzetti ,  Hood Qaim-Maqami

    IPC: H04L29/06

    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.

    PROVIDING E-RECEIPTS TO CUSTOMERS
    129.
    发明申请
    PROVIDING E-RECEIPTS TO CUSTOMERS 有权

    公开(公告)号：US20160162999A1

    公开(公告)日：2016-06-09

    申请号：US15041995

    申请日：2016-02-11

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Neil Johansen ,  Farhan Ahmed Siddiqi ,  David Reed Godsman ,  David M. Grigg

    IPC: G06Q40/00 ,  G06Q20/20

    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.

    PROVIDING E-RECEIPTS TO CUSTOMERS
    130.
    发明申请
    PROVIDING E-RECEIPTS TO CUSTOMERS 有权

    公开(公告)号：US20160162997A1

    公开(公告)日：2016-06-09

    申请号：US15041981

    申请日：2016-02-11

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Neil Johansen ,  Farhan Ahmed Siddiqi ,  David Reed Godsman ,  David M. Grigg

    IPC: G06Q40/00 ,  G06Q20/20

    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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