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    User authentication based on other applications
    51.
    发明授权
    User authentication based on other applications 有权
    基于其他应用程序的用户认证

    公开(公告)号：US09223951B2

    公开(公告)日：2015-12-29

    申请号：US14175863

    申请日：2014-02-07

    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: G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  G06F21/31

    CPC classification number: H04L63/083 ,  G06F21/31 ,  G06F21/41 ,  H04L63/04 ,  H04L63/08 ,  H04L63/10

    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.

    Abstract translation: 本发明包括用于基于第一动作认证第二动作的系统，其中所述系统被配置为：接收执行与第一应用相关联的第一动作的第一请求; 确定第一个操作的执行需要用户认证; 从用户请求一个或多个认证凭证; 接收与第一动作相关联的第一认证证书; 验证第一认证证书，从而导致对所接收的第一认证凭证的成功验证; 响应成功验证，执行第一个动作; 接收执行与第二应用相关联的第二动作的第二请求; 确定第二个动作的执行需要用户认证; 使用第一认证证书的成功验证来验证第二认证证书，以便可以执行第二动作。

    User authentication based on self-selected preferences
    52.
    发明授权
    User authentication based on self-selected preferences 有权
    基于自选择偏好的用户认证

    公开(公告)号：US09213814B2

    公开(公告)日：2015-12-15

    申请号：US14175688

    申请日：2014-02-07

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Joseph Neil Johansen ,  Carrie Anne Hanson ,  Charles Jason Burrell ,  Elizabeth S. Votaw

    IPC: G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  G06F21/31

    CPC classification number: H04L63/08 ,  G06F21/31 ,  H04L63/0876 ,  H04L63/10

    Abstract: Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences. The system typically including a memory, a processor, and a module configured to receive a request to execute a user action from a user associated with an application, wherein the user action requires validation of one or more authentication credentials; access a user-selected preference indicating a level of authentication associated with a user-selected preference as desired by the user; determine authentication types from a plurality of authentication types associated with the level of authentication and the user-selected preference; request one or more authentication credentials corresponding to the determined one or more authentication types; receive one or more authentication credentials from the user; validate the one or more authentication credentials and in response to the successful validation of the one or more authentication credentials, execute the user action.

    Abstract translation: 本发明的实施例涉及一种用于基于自选择的偏好的用户认证的系统，方法和计算机程序产品。 该系统通常包括存储器，处理器和模块，其被配置为从与应用相关联的用户接收执行用户动作的请求，其中所述用户动作需要验证一个或多个认证凭证; 访问用户选择的偏好，其指示与用户所期望的用户选择的偏好相关联的认证级别; 从与认证级别和用户选择的优先级相关联的多种认证类型中确定认证类型; 请求与所确定的一种或多种认证类型相对应的一个或多个认证证书; 从用户接收一个或多个认证凭证; 验证一个或多个认证凭证，并且响应于成功验证一个或多个认证凭证，执行用户操作。

    Mobile device as point of transaction for in-store purchases
    54.
    发明授权
    Mobile device as point of transaction for in-store purchases 有权
    移动设备作为店内购买交易点

    公开(公告)号：US09177451B2

    公开(公告)日：2015-11-03

    申请号：US13785970

    申请日：2013-03-05

    Applicant: Bank of America Corporation

    Inventor： Matthew A. Calman ,  David M. Grigg ,  Carrie Anne Hanson

    IPC: G06Q20/12 ,  G06Q20/32 ,  G06Q20/34 ,  G07G1/00

    CPC classification number: G07G1/0081 ,  G06Q20/127 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3276 ,  G06Q20/3567

    Abstract: Systems, methods and computer programs provide for implementing a mobile communication device, such as a smart telephone or the like, as a point of transaction for in-store purchases, such that all a customer needs to do is capture the coded indicia of products they desire (i.e., scan the products) with their mobile communication device as they shop and the purchase transaction will subsequently occur based on either the customer (in possession of the mobile communication device) being physically located in a designated area of the store or the lapse of a predetermined period of time from when the coded indicia was captured.

    Abstract translation: 系统，方法和计算机程序提供实现诸如智能电话等的移动通信设备作为用于店内购买的交易点，使得所有客户需要做的是捕获其产品的编码标记 随着他们的购物和移动通信设备的欲望（即，扫描产品），并且购买交易将随后基于物理上位于商店的指定区域中的客户（拥有移动通信设备）或流逝 从编码标记被捕获起的预定时间段。

    CUSTOMER RECOGNITION THROUGH USE OF AN OPTICAL HEAD-MOUNTED DISPLAY IN A WEARABLE COMPUTING DEVICE
    55.
    发明申请
    CUSTOMER RECOGNITION THROUGH USE OF AN OPTICAL HEAD-MOUNTED DISPLAY IN A WEARABLE COMPUTING DEVICE 有权
    通过使用光学头戴式显示器在可佩戴的计算设备中的客户识别

    公开(公告)号：US20150293356A1

    公开(公告)日：2015-10-15

    申请号：US14251094

    申请日：2014-04-11

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Richard Andrew Starbuck ,  Carrie Anne Hanson ,  Alicia C. Jones

    IPC: G02B27/01 ,  H04W4/20 ,  G06K9/00

    CPC classification number: G02B27/017 ,  G02B2027/0138 ,  G02B2027/014 ,  G02B2027/0178 ,  G02B2027/0187 ,  G06K9/00288 ,  H04W4/21

    Abstract: Systems, apparatus, and computer program products are provided for implementing a wearable computing device having an Optical Head-Mounted Display (OHMD) to automatically determine which individuals within a business environment, such as a retail store, banking center or the like, are established customers. Such a determination of established customer status is conducted without requiring any action on behalf of the individuals/customers currently located within the business environment and can be accomplished when the established customer enters the business location or shortly thereafter. Once established customers are identified, customer indicators are provided within the view of the OHMD, so that a business associate/employee can readily identity which individual within their field of view are established customers.

    Abstract translation: 提供了系统，装置和计算机程序产品，用于实现具有光头戴式显示器（OHMD）的可穿戴计算设备，以自动确定商业环境中的哪些个人，例如零售店，银行中心等 顾客。 对已建立的客户状态的这种确定是在不需要代表当前位于商业环境中的个人/客户的任何行动的情况下进行的，并且可以在所建立的客户进入营业地点或不久之后完成。 一旦建立了客户，就会在OHMD的角度提供客户指标，以便业务伙伴/员工可以很容易地识别其视野内的哪些人是建立客户的。

    USER AUTHENTICATION BASED ON HISTORICAL TRANSACTION DATA
    56.
    发明申请
    USER AUTHENTICATION BASED ON HISTORICAL TRANSACTION DATA 有权
    基于历史交易数据的用户认证

    公开(公告)号：US20150229623A1

    公开(公告)日：2015-08-13

    申请号：US14175701

    申请日：2014-02-07

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Peter John Bertanzetti ,  Michael E. Toth ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

    IPC: H04L29/06

    CPC classification number: G06Q20/405 ,  G06F17/3053 ,  G06Q20/3224 ,  G06Q20/327 ,  G06Q20/34 ,  G06Q20/4016 ,  H04L63/08 ,  H04L2463/082 ,  H04W12/04

    Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation of authentication credentials; collect a transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and, in response to the successful validation of the authentication credentials, execute the user action.

    Abstract translation: 实施例涉及用于基于交易数据提供用户认证的系统，方法和计算机程序产品。 实施例从用户接收执行与应用相关联的用户动作的请求，其中用户动作的执行需要认证证书的验证; 收集包含由用户进行的交易相关信息的数据交易集合; 收集包括与用户的物理位置有关的信息的位置数据集; 确定与用户和交易相关联的交易接近评分; 确定与确定的交易接近评分相关联的认证级别; 确定哪些认证类型与认证级别相关联; 请求认证凭证; 从用户接收认证凭证; 验证身份验证凭证，从而导致验证凭证成功验证; 并且响应于认证证书的成功验证，执行用户动作。

    DETERMINING USER AUTHENTICATION REQUIREMENTS BASED ON THE CURRENT LOCATION OF THE USER IN COMPARISON TO A USER'S TRAVEL ROUTE
    57.
    发明申请
    DETERMINING USER AUTHENTICATION REQUIREMENTS BASED ON THE CURRENT LOCATION OF THE USER IN COMPARISON TO A USER'S TRAVEL ROUTE 审中-公开
    根据用户与用户旅行路线的比较的当前位置来确定用户认证要求

    公开(公告)号：US20150227926A1

    公开(公告)日：2015-08-13

    申请号：US14175639

    申请日：2014-02-07

    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: G06Q20/38 ,  G06Q20/32

    CPC classification number: G06Q20/32 ,  G06Q20/40

    Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific mobile network access session based on the current location of the user in comparison to a known typical travel route of the user. In this regard, if the user is located within the boundaries of the travel route during the time period when the user is typically travelling on the route, less, or in some instances no, authentication requirements are needed. Moreover, as the user deviates from the travel route in terms of distance and/or time the greater the authentication requirements/credentials may be required. Once the deviation is considered to significant in terms of distance and/or time full authentication requirements may be required.

    Abstract translation: 提供系统，装置，方法和计算机程序产品，用于与用户的已知典型行进路线相比，基于用户的当前位置确定特定移动网络接入会话的用户认证要求/凭证。 在这方面，如果在用户通常在路线上行进的时间段内较少的或在某些情况下不需要认证要求的情况下，如果用户位于行进路线的边界内。 此外，由于用户在距离和/或时间方面偏离行进路线，所以需要认证要求/凭证越多。 一旦偏差被认为在距离和/或时间方面是显着的，可能需要完整的认证要求。

    TRANSACTION VERIFICATION SYSTEM BASED ON USER LOCATION
    59.
    发明申请
    TRANSACTION VERIFICATION SYSTEM BASED ON USER LOCATION 审中-公开
    基于用户位置的交易验证系统

    公开(公告)号：US20150088751A1

    公开(公告)日：2015-03-26

    申请号：US14558986

    申请日：2014-12-03

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Matthew A. Calman ,  Marc I. Warshawsky ,  Raja Bose

    IPC: G06Q20/32 ,  G06Q20/40

    CPC classification number: G06Q20/3224 ,  G06Q20/4016 ,  G06Q40/00

    Abstract: Embodiments of the invention provide misappropriation protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location.

    Abstract translation: 本发明的实施例提供了用户位置验证的盗用保护。 所述方法，装置和计算机程序产品至少部分地基于确定与与交易相关联的账户持有者相关联的移动设备位于距与所述交易相关联的位置在预定距离内的方式来批准交易。 在移动设备位于与交易相关联的位置之外的预定距离之外的一些示例实施方式中，接收与之前批准的交易相关联的信息，并且至少部分地基于事先批准的交易已经发生在同一事件的确定 位置。

    MOBILE WALLET PAYMENT VEHICLE PREFERENCES
    60.
    发明申请
    MOBILE WALLET PAYMENT VEHICLE PREFERENCES 有权
    移动电子钱包付款车辆优先

    公开(公告)号：US20150081540A1

    公开(公告)日：2015-03-19

    申请号：US14552694

    申请日：2014-11-25

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Marc B. Keller

    IPC: G06Q20/36 ,  G06Q20/32

    CPC classification number: G06Q20/36 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/3572 ,  G06Q20/363 ,  G06Q20/405 ,  G06Q30/0207 ,  G06Q40/06 ,  H04L67/306 ,  H04W4/80

    Abstract: In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions. The user specific data may include the active user profile, prior payment vehicle usage, user preferences for the type of transaction, user location, rewards programs associated with use of one or more payment vehicles, or the like, or combinations thereof.

    Abstract translation: 通常，公开了利用移动钱包进行非接触金融交易的装置，方法和计算机程序产品。 特别地，公开了至少部分地利用用户特定数据来生成针对不同交易的支付车辆推荐的移动钱包应用。 用户特定数据可以包括活动用户简档，先前支付车辆使用，用于交易类型的用户偏好，用户位置，与使用一个或多个支付车辆相关联的奖励程序等，或其组合。

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