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    System for escalating security protocol requirements
    41.
    发明授权
    System for escalating security protocol requirements 有权

    公开(公告)号：US09912700B2

    公开(公告)日：2018-03-06

    申请号：US14987553

    申请日：2016-01-04

    Applicant: Bank of America Corporation

    Inventor： Alicia C. Jones-McFadden ,  Joseph Neil Johansen

    IPC: G06F17/00 ,  H04L29/06

    CPC classification number: H04L63/20 ,  H04L63/083 ,  H04L63/0876 ,  H04L63/1425

    Abstract: Disclosed is a system for escalating security protocol requirements. The system typically includes a processor, a memory, and a security protocol module stored in the memory. The module is typically configured for: monitoring electronic activities associated with a user and collecting device identification information for local network devices associated with the electronic activities; receiving from the user a request to perform a subsequent electronic activity using a first computing device in communication with a first local network; collecting device identification information associated with the first computing device; identifying one or more local network devices in communication with the first local network and collecting device identification information associated with the local network devices in communication with the first local network; and denying the subsequent electronic activity or increasing or decreasing a level of authentication required to complete the subsequent electronic activity based on the collected device identification information.

    System for assessing network authentication requirements based on situational instance
    42.
    发明授权
    System for assessing network authentication requirements based on situational instance 有权

    公开(公告)号：US09749308B2

    公开(公告)日：2017-08-29

    申请号：US14987577

    申请日：2016-01-04

    Applicant: Bank of America Corporation

    Inventor： Alicia C. Jones-McFadden ,  Joseph Neil Johansen

    IPC: H04L29/06

    CPC classification number: H04L63/08 ,  H04L63/083 ,  H04L63/102 ,  H04L63/105 ,  H04W12/06

    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for assessing network authentication requirements based on situational instance. In this regard, the invention dynamically determines specific user authentication requirements for accessing a service or executing an activity based on the determining the user's network connections, geographic location, and applications, in real-time. The invention provides a novel method for employing activity data provided by a plurality of users associated with historical activity information to vary the authentication requirements dynamically. Another aspect of the invention is directed to constructing geographic maps with predefined physical areas and overlaying graphical representations of activity data on the maps, in real-time.

    SYSTEM FOR ESCALATING SECURITY PROTOCOL REQUIREMENTS
    43.
    发明申请
    SYSTEM FOR ESCALATING SECURITY PROTOCOL REQUIREMENTS 有权

    公开(公告)号：US20170195366A1

    公开(公告)日：2017-07-06

    申请号：US14987553

    申请日：2016-01-04

    Applicant: Bank of America Corporation

    Inventor： Alicia C. Jones-McFadden ,  Joseph Neil Johansen

    IPC: H04L29/06

    CPC classification number: H04L63/20 ,  H04L63/083 ,  H04L63/0876 ,  H04L63/1425

    Abstract: Disclosed is a system for escalating security protocol requirements. The system typically includes a processor, a memory, and a security protocol module stored in the memory. The module is typically configured for: monitoring electronic activities associated with a user and collecting device identification information for local network devices associated with the electronic activities; receiving from the user a request to perform a subsequent electronic activity using a first computing device in communication with a first local network; collecting device identification information associated with the first computing device; identifying one or more local network devices in communication with the first local network and collecting device identification information associated with the local network devices in communication with the first local network; and denying the subsequent electronic activity or increasing or decreasing a level of authentication required to complete the subsequent electronic activity based on the collected device identification information.

    Providing e-receipts to customers
    44.
    发明授权
    Providing e-receipts to customers 有权

    公开(公告)号：US09619843B2

    公开(公告)日：2017-04-11

    申请号：US15041988

    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: G06K15/00 ,  G06Q40/00 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q40/02 ,  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.

    STREAMLINING APPLICATION USING A SOCIAL NETWORK PLATFORM
    46.
    发明申请
    STREAMLINING APPLICATION USING A SOCIAL NETWORK PLATFORM 审中-公开
    使用社交网络平台进行流媒体应用

    公开(公告)号：US20160267597A1

    公开(公告)日：2016-09-15

    申请号：US14657662

    申请日：2015-03-13

    Applicant: Bank of America Corporation

    Inventor： Joseph Neil Johansen ,  Anthony David Guido

    IPC: G06Q40/06 ,  G06Q50/00

    CPC classification number: G06Q40/06 ,  G06Q40/00 ,  G06Q50/01

    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.

    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; 接收社会网络财务信息，社会网络财务信息包括与其他客户相关的财务信息; 将客户的财务信息与社会网络财务信息进行比较; 将客户的财务信息与社会网络财务信息进行比较。

    PROVIDING E-RECEIPTS TO CUSTOMERS
    49.
    发明申请
    PROVIDING E-RECEIPTS TO CUSTOMERS 有权

    公开(公告)号：US20160162998A1

    公开(公告)日：2016-06-09

    申请号：US15041988

    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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