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    DETERMINING AUTHENTICATION REQUIREMENTS ALONG A CONTINUUM BASED ON A CURRENT STATE OF THE USER AND/OR THE SERVICE REQUIRING AUTHENTICATION
    21.
    发明申请
    DETERMINING AUTHENTICATION REQUIREMENTS ALONG A CONTINUUM BASED ON A CURRENT STATE OF THE USER AND/OR THE SERVICE REQUIRING AUTHENTICATION 审中-公开
    根据用户的当前状态和/或需要认证的服务确定连续性的认证要求

    公开(公告)号：US20150227924A1

    公开(公告)日：2015-08-13

    申请号：US14175652

    申请日：2014-02-07

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Hood Qaim-Maqami ,  Joseph Neil Johansen

    IPC: G06Q20/38 ,  G06Q20/32

    CPC classification number: G06Q20/382 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/405

    Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific service access request based on determining a location along a an authentication continuum. The location along the authentication continuum defines the degree of authentication/credentials required to access the service and is determined based on a current state of the user and/or service attributes. The more or less that is known about the current state of the user, in comparison to historical data about the user, the more or less likely the user is, in fact, the user that is attempting to access the service and, thus, the authentication requirements required to access the service can be adjusted according (increased or decreased).

    Abstract translation: 提供了系统，装置，方法和计算机程序产品，用于基于确定沿着认证连续体的位置确定特定服务访问请求的用户的认证要求/凭证。 沿着认证连续体的位置定义了访问服务所需的认证/凭证的程度，并且基于用户的当前状态和/或服务属性来确定。 与用户的历史数据相比，与用户的当前状态有关的或多或少是与用户实际上尝试访问服务的用户或多或少的可能性相反，因此， 访问服务所需的认证要求可以根据（增加或减少）进行调整。

    SPECIALIST PRESENTATION USING A SOCIAL NETWORKING ACCOUNT
    22.
    发明申请
    SPECIALIST PRESENTATION USING A SOCIAL NETWORKING ACCOUNT 审中-公开
    使用社交网络帐户进行专访

    公开(公告)号：US20150227879A1

    公开(公告)日：2015-08-13

    申请号：US14175041

    申请日：2014-02-07

    Applicant: Bank of America Corporation

    Inventor： Peter John Bertanzetti ,  Kevin T. Cole ,  Carrie Anne Hanson ,  Elizabeth S. Votaw ,  Joseph Neil Johansen

    IPC: G06Q10/06 ,  G06Q50/00

    CPC classification number: G06Q10/063112 ,  G06Q50/01

    Abstract: Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialists with the user. At least one condition used to match the specialist with the user is the social networking contacts of the user that have a relationship with the specialists. Additional conditions may include, but are not limited to, locations of the user and specialists, social networking profile information of the user and specialists, or other like account profile information for the user and specialists.

    Abstract translation: 本发明的实施例提供了一种从机构向用户呈现专家的专家呈现工具。 可以基于用户采取动作时发生的触发或者当对用户帐户采取行动时，向用户呈现专家。 确定一个或多个专家向满足触发器的一组专家向用户呈现可以基于与专家与用户相匹配的一个或多个条件。 用于与用户匹配的至少一种条件是与专家有关系的用户的社交网络联系人。 附加条件可以包括但不限于用户和专家的位置，用户和专家的社交网络简档信息，或用户和专家的其他类似的帐户简档信息。

    Streamlining application using a social network platform
    24.
    发明授权
    Streamlining application using a social network platform 有权

    公开(公告)号：US10102582B2

    公开(公告)日：2018-10-16

    申请号：US14657662

    申请日：2015-03-13

    Applicant: Bank of America Corporation

    Inventor： Joseph Neil Johansen ,  Anthony David Guido

    IPC: G06Q40/00 ,  G06Q40/06 ,  G06Q50/00

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; receive social network financial information, the social network financial information comprising financial information associated with other customers; compare the customer's financial information to the social network financial information; present a comparison of the customer's financial information to the social network financial information.

    STREAMLINING APPLICATION FOR INCENTIVE PROVISION
    28.
    发明申请
    STREAMLINING APPLICATION FOR INCENTIVE PROVISION 审中-公开
    推行激励条款的申请

    公开(公告)号：US20160267598A1

    公开(公告)日：2016-09-15

    申请号：US14657743

    申请日：2015-03-13

    Applicant: Bank of America Corporation

    Inventor： Joseph Neil Johansen ,  Anthony David Guido

    IPC: G06Q40/06

    CPC classification number: G06Q40/06

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; determine at least one goal associated with the customer; track progression towards the at least one goal; provide at least one incentive to the customer based on achievement of the at least one goal.

    Abstract translation: 本发明的实施例涉及用于简化客户金融和客户资金管理平台的系统，方法和计算机程序产品。 示例性设备可以被配置为提供财务管理应用，其中财务管理应用与网络银行平台接口以访问客户的财务信息以用于简化客户的财务和货币管理策略; 确定与客户相关联的至少一个目标; 跟踪至少一个目标的进展; 基于至少一个目标的实现，向客户提供至少一个激励。

    PROVIDING E-RECEIPTS TO CUSTOMERS
    29.
    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
    30.
    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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