-
公开(公告)号：US11288679B2
公开(公告)日：2022-03-29
申请号：US16783607
申请日：2020-02-06
Applicant: Bank of America Corporation
Inventor： Amanda J. Adams , Joseph N. Johansen , Michael Ogrinz , Heather Dolan , William P. Jacobson , Manu J. Kurian
Abstract: A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.
-
公开(公告)号：US20210067460A1
公开(公告)日：2021-03-04
申请号：US16557497
申请日：2019-08-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Justin Riley DuPont , Malathi Jivan , Heather Dolan , Poppy Marie Kimball
IPC: H04L12/927 , H04L12/911 , H04L29/08
Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.
-
公开(公告)号：US10586220B2
公开(公告)日：2020-03-10
申请号：US15367502
申请日：2016-12-02
Applicant: Bank of America Corporation
Inventor： Amanda J. Adams , Joseph N. Johansen , Michael Ogrinz , Heather Dolan , William P. Jacobson , Manu J. Kurian
IPC: G06Q40/00 , G06Q20/10 , G06F3/0488 , G02B27/01 , G06F3/01 , G06F21/36 , G07F19/00 , G06F1/16 , G06Q20/40 , G06F3/0481
Abstract: A system for performing authorization of a user in an augmented reality environment comprises an augmented reality user device, an automatic teller machine, and an authentication server. The automatic teller machine has a keypad with unmarked buttons. The augmented reality user device includes a display configured to overlay virtual objects onto a field of view of a user. The augmented reality user device receives a virtual keypad overlay, which assigns values to the unmarked buttons of the keypad. Using the overlay, the augmented reality user device displays the assigned values on the buttons of the keypad. The automatic teller machine detects an input sequence entered on the keypad and sends the input sequence to the authentication server. The authentication server determines an authentication code by combining the input sequence with the virtual keypad overlay, and compares the determined authentication code with an authentication code stored in a database.
-
公开(公告)号：US10311223B2
公开(公告)日：2019-06-04
申请号：US15367590
申请日：2016-12-02
Applicant: Bank of America Corporation
Inventor： Amanda J. Adams , Joseph N. Johansen , Michael Ogrinz , Heather Dolan , William P. Jacobson , Manu J. Kurian
Abstract: A system for performing authorization of a user in a virtual reality environment includes a virtual reality user device. The virtual reality user device includes a display configured to display a virtual environment. The user device receives a virtual authentication object comprising a virtual representation of an object that the user can manipulate to enter an authentication code. The user device detects gestures performed by the user on the displayed virtual authentication object and forms an authentication request, which includes the virtual authentication object, the detected gestures; and an identifier of the user. The user device sends the authentication request to an authentication server. The authentication server determines an authentication code using the virtual authentication object and the detected gestures. The authentication server authenticates the user by comparing the determined authentication code with an authentication code stored in a database and sends an authentication response to the user device.
-
公开(公告)号：US20180150903A1
公开(公告)日：2018-05-31
申请号：US15365272
申请日：2016-11-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Willard H. Waldron , Victoria L. Dravneek , Katherine Dintenfass , Graham M. Wyllie , Kenneth A. Kaye , Heather Dolan
IPC: G06Q30/06 , G06T19/00 , G06F3/0481
Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies a business from an image. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image, performs object recognition on the image to identify the business, and generates a location identifier identifying the business. The virtual assessment engine sends a token with the user identifier and the location identifier to a remote server, receives geolocation notifications for the user from the server, and presents the geolocation notifications as virtual objects overlaid with a real scene.
-
Patent Agency Ranking
公开(公告)号：US20180150899A1
公开(公告)日：2018-05-31
申请号：US15364927
申请日：2016-11-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Willard H. Waldron , Victoria L. Dravneek , Katherine Dintenfass , Graham M. Wyllie , Kenneth A. Kaye , Heather Dolan
IPC: G06Q30/06 , H04L29/06 , G06Q40/00 , G06Q30/02 , G01S19/13 , G06F3/16 , G06F3/01 , G06K9/00 , G06T11/60
Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives available offers for the user from the server, and presents the available offers as virtual objects overlaid with the products in the cart.
-
公开(公告)号：US20180150831A1
公开(公告)日：2018-05-31
申请号：US15363692
申请日：2016-11-29
Applicant: Bank of America Corporation
Inventor： Heather Dolan , Victoria L. Dravneek , Zafer Mohamed
CPC classification number: G06Q20/367 , G06F3/011 , G06T11/60
Abstract: An augmented reality system includes an augmented reality user device and a digital wallet. The digital wallet includes items associated with a user. The augmented reality user device includes a head mounted display, a memory, and processors. The display overlays virtual objects onto a field of view of the user. The processors overlay the digital wallet contents on a field of view of the user so that the user may select one of the items for use in an electronic transaction. For example, the processors request and receive an inventory of the digital wallet and overlay a graphical representation of the items within the field of view of the user via the display. The processors detect a hand gesture and identify a selected item based on the hand gesture. The processors generate a transfer token based on the identified item and transmit it to the electronic transaction terminal.
-
公开(公告)号：US20240259201A1
公开(公告)日：2024-08-01
申请号：US18159730
申请日：2023-01-26
Applicant: Bank of America Corporation
Inventor： Catalina Enciso , Kathleen Hanko Trombley , Heather Dolan
CPC classification number: H04L9/3213 , H04L9/30
Abstract: A system comprises a virtual environment device and an entity device. The virtual environment device receives interaction initiate message from an avatar being operated in a virtual environment. The interaction initiate message includes a request to provide a particular resource to a user in the real world, identity token indicating the identities of the user and the entity, and interaction token indicating information on providing the particular resource to the user. The virtual environment device communicates an interaction request message to the entity device, where the interaction request message includes portion(s) of the interaction initiate message and an authentication token that is generated based on user physical attributes and avatar virtual attributes. The system verifies that the user initiated the interaction initiate message based on evaluating the authentication token. In response, the system provides the requested resource to the user.
-
公开(公告)号：US20240169332A1
公开(公告)日：2024-05-23
申请号：US17989790
申请日：2022-11-18
Applicant: Bank of America Corporation
Inventor： Manu Kurian , Siten Sanghvi , Heather Dolan , George Albero , Maharaj Mukherjee , Kevin A. Delson
CPC classification number: G06Q20/1085 , G06Q20/3221 , G06Q20/3278 , G06Q20/40145 , G06Q20/4015
Abstract: A system for facilitating offline processing of electronic transactions at an ATM when the ATM does not support a network connection may be provided. The system may include a mobile device configured to store an updatable account balance of a personal account associated with a user of the mobile device and transaction data associated with a plurality of transactions executed via the mobile device. The system may include the ATM being configured to operate in an offline processing mode when the network connection is unsupported. The offline processing mode may include the ATM receiving a transaction request and account data from the mobile device. The ATM may be configured to authenticate or deny the executing of the transaction request based on a predetermined threshold of transaction locations positioned at a distance greater than or less than a pre-determined distance from the ATM.
-
公开(公告)号：US20240054464A1
公开(公告)日：2024-02-15
申请号：US17885610
申请日：2022-08-11
Applicant: Bank of America Corporation
Inventor： Manu Kurian , Siten Sanghvi , Heather Dolan , George Albero , Maharaj Mukherjee , Kevin A. Delson
CPC classification number: G06Q20/1085 , G06Q20/321 , G06Q20/3278 , G06Q20/3223
Abstract: A method enabling processing electronic transactions received at the ATM when network connection with the central server is disrupted. The method may enable processing each electronic transaction received using an alternative data routing pathway. The alternative data routing pathway may leverage one or more edge devices within close proximity to the ATM to serve as a proxy for transmitting data to the central server. The one or more edge devices may be enabled to carry electronic transaction data from electronic transactions processed locally at the ATM to a location where a network connection between the one or more edge devices and the central server may be established. When in a location including network connection, the one or more edge devices may transmit the electronic transaction data to the central server.
-
-
-
-
-
-
-
-
-
Search Results
54
records
(took 0.03 seconds)
