公开(公告)号：US20150026351A1

公开(公告)日：2015-01-22

申请号：US13946425

申请日：2013-07-19

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Dipika Jain ,  William E. Kelley ,  Michael E. Toth ,  Chris Purvis

IPC: H04L29/06

CPC classification number: H04L65/1083

Abstract: Embodiments for transferring online account sessions are included in systems that enable a user to transfer control of an account session from a first mobile device to a second mobile device and determine whether or not the second mobile device has control of the account session based on transmission data received from the first mobile device or second mobile device. The systems receive transaction data, user input, or device tracking data from the first device or second device, and use the data to process online activities.

Abstract translation: 用于传送在线帐户会话的实施例包括在使得用户能够将帐户会话的控制从第一移动设备传送到第二移动设备的系统中，并且基于传输数据来确定第二移动设备是否具有对帐户会话的控制 从第一移动设备或第二移动设备接收。 系统从第一设备或第二设备接收交易数据，用户输入或设备跟踪数据，并使用数据来处理在线活动。

公开(公告)号：US20150026054A1

公开(公告)日：2015-01-22

申请号：US13946511

申请日：2013-07-19

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  William E. Kelley ,  Chris Purvis ,  Dipika Jain ,  Michael E. Toth

IPC: G06F21/62 ,  G06Q20/10

CPC classification number: G06F21/6245 ,  G06F2221/2141 ,  G06F2221/2149 ,  G06Q20/108 ,  G06Q20/3224

Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account based on customer-defined online-banking access restrictions. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently receiving a restricted transaction definition from the mobile device, the restricted transaction definition defining a first restricted transaction associated with the customer's online banking account; searching a database of records to determine if the mobile device is associated with the customer's online banking account; and creating a restricted transaction record based on determining that the first mobile device is associated with the customer's online banking account, the restricted transaction record including the first restricted transaction definition.

Abstract translation: 公开了一种系统和相关方法，用于根据客户定义的网上银行访问限制来限制对客户的网上银行帐户的访问。 该系统通常包括存储在存储器中的处理器，存储器和网上银行模块。 该模块通常被配置为初始地将移动设备与客户的在线银行账户相关联。 另外，模块通常被配置为随后从移动设备接收限制的交易定义，该限制交易定义定义与客户的在线银行账户相关联的第一受限交易; 搜索记录数据库以确定移动设备是否与客户的在线银行帐户相关联; 以及基于确定所述第一移动设备与所述客户的在线银行帐户相关联来创建受限制的交易记录，所述受限交易记录包括所述第一受限交易定义。

公开(公告)号：US20150026026A1

公开(公告)日：2015-01-22

申请号：US13946658

申请日：2013-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  William E. Kelley ,  Chris Purvis ,  Dipika Jain ,  Michael E. Toth

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q20/108 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3224 ,  G06Q20/325 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q20/425 ,  G06Q30/00 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0633 ,  G06Q40/00

Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device.

Abstract translation: 公开了一种用于限制访问客户的在线银行账户的系统和相关联的方法。 该系统通常包括存储在存储器中的处理器，存储器和网上银行模块。 该模块通常被配置用于确定计算设备已经启动与客户的在线银行帐户相关联的第一网上银行交易。 如果第一网上银行交易是在第一受限制的交易定义内，并且如果计算设备未被注册到客户的在线银行帐户，则与计算设备相关联的地理位置信息和与登记有客户端的第一移动设备相关联的地理位置信息 收到帐号。 该模块确定计算设备的位置是否靠近预定义的位置和/或计算设备的位置是否接近第一移动设备的位置。

公开(公告)号：US20150026024A1

公开(公告)日：2015-01-22

申请号：US13946068

申请日：2013-07-19

Applicant: Bank of America Corporation

Inventor： Matthew A. Calman ,  Dipika Jain ,  Chris Purvis ,  William Kelley ,  Michael E. Toth

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for determining and notifying a user, herein a financial institution customer, as to which account aggregators currently have been granted permission to access accounts held by the customer at the financial institution. In addition to notifying the customer of the current status of account aggregator access, the present invention provides the customer, through an online or mobile banking application or the like, a comprehensive tool for managing the access granted to all of the account aggregators that are determined to currently have permission to access the customer's accounts.

Abstract translation: 本发明的实施例涉及用于确定和通知用户（在此为金融机构客户）的装置，方法和计算机程序产品，关于当前已被授权访问由该客户在金融机构持有的帐户的帐户的哪些帐户聚合者。 除了向客户通知帐户聚合者访问的当前状态之外，本发明还通过在线或移动银行应用程序等向客户提供用于管理授予所有被确定的帐户聚合器的访问的综合工具 目前有权访问客户的帐户。

公开(公告)号：US11528267B2

公开(公告)日：2022-12-13

申请号：US16706333

申请日：2019-12-06

Applicant: Bank of America Corporation

Inventor： Preston Wesley Ports, III ,  Sangeeta Varma Martinez ,  Dipika Jain ,  Michael Toth ,  Melissa K. Van Leuven ,  Holly Martinez ,  Dawn M. Friscia ,  Erin Marie McCullen ,  Deborah D. Jackson

IPC: H04L9/40 ,  G06F16/535 ,  H04W12/77

Abstract: A system provides for automated image authentication and external database verification. In particular, the system may perform automatic authentication of an image by extracting data and/or metadata from the image for subsequent analysis. For instance, the extracted data and/or metadata may be compared with historical data to drive authorization processes (e.g., past instances of unauthorized activity). In some embodiments, the system may further use external databases which may be hosted by a trusted third party to perform additional authentication steps and/or verification. In this way, the system may provide a reliable and efficient way to perform authentications.

公开(公告)号：US20210390643A1

公开(公告)日：2021-12-16

申请号：US16902432

申请日：2020-06-16

Applicant: Bank of America Corporation

Inventor： Albena N. Fairchild ,  Crystal M. Sundaramoorthy ,  Dipika Jain ,  Elena Kvochko

IPC: G06Q50/18 ,  G06F21/33 ,  G06F21/32

Abstract: Aspects of the disclosure relate to using secure authentication tokens to grant power of attorney. A computing platform may receive user input indicating a task and requesting that a power of attorney be granted to an individual. The computing platform may generate an authority token granting the individual the power of attorney to perform the task, and may send the authority token, along with task information indicating the task, to the individual. The computing platform may receive a validation request including the authority token and the task information. Based on successful validation, the computing platform may send validation information to an event processing system. After receiving confirmation that the task has been performed by the individual, the computing platform may update dashboard information to indicate that the task has been completed, which may cause the user device to display a dashboard indicating completion of the task.

公开(公告)号：US09519934B2

公开(公告)日：2016-12-13

申请号：US13946658

申请日：2013-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  William E. Kelley ,  Chris Purvis ,  Dipika Jain ,  Michael E. Toth

IPC: G06Q40/00 ,  G06Q40/02 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/42 ,  G06Q30/06 ,  G06Q20/10 ,  G06Q30/00

CPC classification number: G06Q40/02 ,  G06Q20/108 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3224 ,  G06Q20/325 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q20/425 ,  G06Q30/00 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0633 ,  G06Q40/00

Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device.

Abstract translation: 公开了一种用于限制访问客户的在线银行账户的系统和相关联的方法。 该系统通常包括存储在存储器中的处理器，存储器和网上银行模块。 该模块通常被配置用于确定计算设备已经启动与客户的在线银行帐户相关联的第一网上银行交易。 如果第一网上银行交易是在第一受限制的交易定义内，并且如果计算设备未被注册到客户的在线银行帐户，则与计算设备相关联的地理位置信息和与登记有客户端的第一移动设备相关联的地理位置信息 收到帐号。 该模块确定计算设备的位置是否靠近预定义的位置和/或计算设备的位置是否接近第一移动设备的位置。

公开(公告)号：US09384478B2

公开(公告)日：2016-07-05

申请号：US13946519

申请日：2013-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Dipika Jain ,  William Kelley ,  Chris Purvis ,  Michael E. Toth

IPC: G06Q40/06 ,  G06Q20/36 ,  G06Q20/32 ,  G06Q40/02

CPC classification number: G06Q20/3223 ,  G06Q40/02

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution.

Abstract translation: 本发明的实施例涉及用于提供离线移动银行系统的系统，方法和计算机程序产品。 一种示例性设备被配置为：在移动设备处提供交易请求，确定在移动设备与与金融机构相关联的设备之间未建立连接，响应于确定连接而存储交易请求尚未被 建立，建立移动设备和与金融机构相关联的服务器之间的连接，并将存储的交易请求从移动设备传送到与金融机构相关联的设备。

公开(公告)号：US20150026056A1

公开(公告)日：2015-01-22

申请号：US13946570

申请日：2013-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  Dipika Jain ,  William Kelley ,  Chris Purvis ,  Michael E. Toth

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3223

Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) receive input relating to user-designated trusted locations for completing a mobile banking transaction, (b) receive input from the user relating to a transaction request, (c) determine whether the mobile device is located at a trusted locations, and (d) complete the transaction request; or store the transaction request in a queue for mobile banking transactions on the mobile device.

Abstract translation: 本发明的实施例涉及用于在可信位置完成移动银行交易的系统，计算机实现的方法和计算机程序产品。 在一些实施例中，系统被配置为：（a）接收与用户指定的可信位置相关的输入以完成移动银行交易，（b）从用户接收与交易请求有关的输入，（c）确定移动 设备位于可信位置，（d）完成交易请求; 或将交易请求存储在用于移动设备上的移动银行交易的队列中。

公开(公告)号：US20150026025A1

公开(公告)日：2015-01-22

申请号：US13946183

申请日：2013-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew A. Calman ,  William E. Kelley ,  Chris Purvis ,  Dipika Jain ,  Michael E. Toth

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device.

Abstract translation: 公开了将客户的移动设备用作另一客户设备的网上银行远程控制的系统和相关联的方法。 该系统通常包括存储在存储器中的处理器，存储器和网上银行模块。 模块通常被配置为（i）将移动设备与客户的在线银行帐户相关联，以及（ii）将移动设备绑定到另一计算设备。 此外，模块通常被配置为随后从移动设备接收与客户的在线银行帐户相关联并与计算设备相关联的远程访问命令。 然后可以基于远程访问命令来修改计算设备对客户的在线银行帐户的远程访问，并确定（i）移动设备与客户的在线银行帐户相关联，以及（ii）移动设备必须 计算设备。