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公开(公告)号：US20210064663A1
公开(公告)日：2021-03-04
申请号：US17000710
申请日：2020-08-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Charles Jason Burrell , Sara Suzanne Carr , Jane Elizabeth Cook , Justin Riley duPont , Kajal Gupta , Bradley Ryan Holland , Robert Nyeland Huggins , Kashif M. Siddiqui
IPC: G06F16/9035 , G06F9/50 , G06F16/906 , G09B7/06 , A63F13/352 , A63F13/5255
Abstract: The present disclosure embraces a system, methods and computer program products for the intelligent on-boarding, support, education of supervised resource account users. The systems described herein allow for intelligent linkage of supervised resource accounts with existing accounts of a supervising user, creating tools for enhanced transfer of resources to a supervised user. The system offers interactivity and education opportunity along with resource transfers by determining resource allocation recommendations and providing goal-tracking capabilities.
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公开(公告)号：US10049195B2
公开(公告)日：2018-08-14
申请号：US15016125
申请日：2016-02-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Peter John Bertanzetti , Charles Jason Burrell , Carrie Anne Hanson , Joseph Neil Johansen , Michael E. Toth
Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to predetermined boundaries of location that have altered authentication requirements, in the form of, increased or decreased authentication requirements/credentials that differ from the standard authentication requirements.
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公开(公告)号：US09819680B2
公开(公告)日：2017-11-14
申请号：US14876651
申请日：2015-10-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Peter John Bertanzetti , Charles Jason Burrell , Carrie Anne Hanson , Joseph Neil Johansen , Michael E. Toth
CPC classification number: H04L63/0876 , G06F21/31 , G06F2221/2111 , G06F2221/2137
Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to known boundaries of location associated with the user, such as patterns of movement or the like. As such, the present invention serves to expedite the process for authenticating a user who desires to gain access to a network service, such as a banking application or the like.
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公开(公告)号：US09584527B2
公开(公告)日：2017-02-28
申请号：US15019627
申请日：2016-02-09
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Charles Jason Burrell , Peter John Bertanzetti
CPC classification number: H04L63/105 , G06F21/31 , G06F21/629 , G06F2221/2113 , G06F2221/2149 , H04L9/3226 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L63/107 , H04W4/80
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.
Abstract translation: 本发明的实施例涉及用于从用户接收对与第一应用相关联的至少一个功能的访问的请求的系统，方法和计算机程序产品; 确定对至少一个功能的访问需要用户认证; 启动对包括第一凭证的验证验证载体的感测; 至少部分地基于感测到的认证验证载体来确定第一证书; 验证第一个凭证，从而导致第一个成功的用户认证; 以及基于所述第一成功用户认证的验证，授予对与所述第一应用相关联的至少一个功能的访问。
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公开(公告)号：US09565195B2
公开(公告)日：2017-02-07
申请号：US15019652
申请日：2016-02-09
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Charles Jason Burrell , Peter John Bertanzetti
CPC classification number: H04L63/105 , G06F21/31 , G06F21/629 , G06F2221/2113 , G06F2221/2149 , H04L9/3226 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L63/107 , H04W4/80
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.
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Patent Agency Ranking
公开(公告)号：US20160173504A1
公开(公告)日：2016-06-16
申请号：US15019652
申请日：2016-02-09
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Charles Jason Burrell , Peter John Bertanzetti
CPC classification number: H04L63/105 , G06F21/31 , G06F21/629 , G06F2221/2113 , G06F2221/2149 , H04L9/3226 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L63/107 , H04W4/80
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.
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公开(公告)号：US20160164870A1
公开(公告)日：2016-06-09
申请号：US15019627
申请日：2016-02-09
Applicant: Bank of America Corporation
Inventor： David M. Grigg , Charles Jason Burrell , Peter John Bertanzetti
CPC classification number: H04L63/105 , G06F21/31 , G06F21/629 , G06F2221/2113 , G06F2221/2149 , H04L9/3226 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L63/107 , H04W4/80
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.
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公开(公告)号：US20160134614A1
公开(公告)日：2016-05-12
申请号：US14980974
申请日：2015-12-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Peter John Bertanzetti , Charles Jason Burrell , Carrie Anne Hanson , Joseph Neil Johansen , Michael E. Toth , Elizabeth S. Votaw
IPC: H04L29/06
Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.
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公开(公告)号：US09313190B2
公开(公告)日：2016-04-12
申请号：US14175136
申请日：2014-02-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Hood Qaim-Maqami , Alicia C. Jones , Elizabeth S. Votaw , Joseph Neil Johansen , Charles Jason Burrell , Carrie Anne Hanson , Michael Patrick Lynch
CPC classification number: H04L63/08 , G06F21/31 , G06Q20/108 , G06Q20/3226 , G06Q20/382 , G06Q20/405 , G06Q40/02 , H04L63/10
Abstract: Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).
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60.发明申请公开(公告)号：US20160026779A1
公开(公告)日：2016-01-28
申请号：US14876651
申请日：2015-10-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： David M. Grigg , Peter John Bertanzetti , Charles Jason Burrell , Carrie Anne Hanson , Joseph Neil Johansen , Michael E. Toth
IPC: G06F21/31
CPC classification number: H04L63/0876 , G06F21/31 , G06F2221/2111 , G06F2221/2137
Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to known boundaries of location associated with the user, such as patterns of movement or the like. As such, the present invention serves to expedite the process for authenticating a user who desires to gain access to a network service, such as a banking application or the like.
Abstract translation: 提供系统，装置，方法和计算机程序产品，用于基于与用户相关联的位置的已知边界比较，基于用户的当前位置确定特定网络访问会话的用户认证要求/凭证，诸如 运动等。 因此，本发明用于加速用于验证希望访问诸如银行应用程序等网络服务的用户的过程。
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