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    PEER TO PEER MOBILE TRANSACTIONS LEVERAGING PERSONAL AREA NETWORKS AND ROBUST POST-TRANSACTION VERIFICATION
    21.
    发明公开
    PEER TO PEER MOBILE TRANSACTIONS LEVERAGING PERSONAL AREA NETWORKS AND ROBUST POST-TRANSACTION VERIFICATION 审中-公开

    公开(公告)号：US20240013190A1

    公开(公告)日：2024-01-11

    申请号：US17861405

    申请日：2022-07-11

    Applicant: Bank of America Corporation

    Inventor： Heather Dolan ,  Manu Kurian ,  Maharaj Mukherjee

    IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/06

    CPC classification number: G06Q20/3224 ,  G06Q20/4014 ,  G06Q20/0655

    Abstract: A method for facilitating electronic transactions between a first mobile device and a second mobile device is provided. At a central server, when internet connection is established, the method may include receiving transaction data and prior to processing an electronic transaction based on the transaction data, verifying the electronic transaction. The verifying may include retrieving a first activity log from the first mobile device and a first browser timeout history. The method may further include retrieving from the second mobile device a second activity log and a second browser timeout history. The method may further include verifying that a first mobile application was active when a browser on the first mobile device was in timeout and that a second mobile application was active when a browser on the second mobile device was in timeout.

    User Authentication and Authorization for Electronic Transaction
    26.
    发明申请
    User Authentication and Authorization for Electronic Transaction 审中-公开

    公开(公告)号：US20180150844A1

    公开(公告)日：2018-05-31

    申请号：US15363495

    申请日：2016-11-29

    Applicant: Bank of America Corporation

    Inventor： Heather Dolan ,  Victoria L. Dravneek ,  Zafer Mohamed

    IPC: G06Q20/40 ,  G06T19/00 ,  G10L17/00 ,  G06K9/00

    CPC classification number: G06Q20/40145 ,  G06K9/00671 ,  G06K9/00892 ,  G06Q20/204 ,  G06Q20/206 ,  G06Q20/227 ,  G06Q20/34 ,  G10L17/005

    Abstract: An electronic transaction terminal system includes a camera that captures an image of a person participating in an electronic transaction; a microphone that captures an audio signal of the person; and a database that includes records associating user accounts with an image and/or a voice print of the associated account holder. The electronic transaction terminal system includes processors connected to the camera, microphone, and database to perform authentication and/or authorization. For example, the processors compare an image of the person with the records in the database. The processors identify a user account of the person by matching the image of the person with the image of the account holder. To authorize the particular transaction, the processors may capture an audio signal of the person speaking into the microphone; compare the captured audio signal with the voice print in the database; and authorize the electronic transaction with the user account.

    Transitioning interactions of an interaction session initiated within a metaverse to a real-world environment to complete the interaction session
    28.
    发明授权
    Transitioning interactions of an interaction session initiated within a metaverse to a real-world environment to complete the interaction session 有权

    公开(公告)号：US12273333B2

    公开(公告)日：2025-04-08

    申请号：US18169370

    申请日：2023-02-15

    Applicant: Bank of America Corporation

    Inventor： Jatin Agrawal ,  Heather Dolan ,  Adithya Gadwale ,  Catalina Enciso ,  Akeem Perez

    IPC: H04L9/40

    Abstract: A system for transitioning an interaction session initiated within a metaverse to a real-world environment to complete the interaction session comprises a metaverse server in communication with an entity server. The metaverse server receives an interaction request from an avatar to initiate an interaction session with an entity within a virtual environment. The metaverse server generates an instruction token for a user instruction and a session identifier for the interaction session. The metaverse server obtains a user identity token from the entity and authorizes the avatar to interact with the entity. The metaverse server conducts the first interaction between the avatar and the entity and generates a first interaction token for the first interaction. The entity server validates the user identity token and the first interaction token from the user device in the real-world environment. The entity server conducts a second interaction with the user to complete the interaction session.

    SYSTEM FOR AUTHENTICATION OF RESOURCE ACTIONS BASED ON MULTI-CHANNEL INPUT
    30.
    发明申请
    SYSTEM FOR AUTHENTICATION OF RESOURCE ACTIONS BASED ON MULTI-CHANNEL INPUT 有权

    公开(公告)号：US20210112098A1

    公开(公告)日：2021-04-15

    申请号：US16653199

    申请日：2019-10-15

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Christina Lillie ,  Justin Riley DuPont ,  Malathi Jivan ,  Heather Dolan ,  Poppy Marie Kimball

    IPC: H04L29/06 ,  H04W12/06 ,  G06Q20/40

    Abstract: Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.

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