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    Providing e-receipts to customers
    52.
    发明授权
    Providing e-receipts to customers 有权
    向客户提供电子收据

    公开(公告)号：US09275418B2

    公开(公告)日：2016-03-01

    申请号：US14280112

    申请日：2014-05-16

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Neil Johansen ,  Farhan Ahmed Siddiqi ,  David Reed Godsman ,  David M. Grigg

    IPC: G06K15/00 ,  G06Q40/00

    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.

    Abstract translation: 本发明的实施例涉及用于向客户提供电子收据的系统，方法和计算机程序产品。 实施例接收客户的授权，以便客户登记在交易电子收据通信程序中; 接收对应于客户在商家交易点执行的至少一个交易的交易数据; 并且至少部分地基于所接收到的交易数据，向客户发起电子收据的通信。 一些实施例从交易电子收据通信程序点接收来自多个注册商家的登记以进行注册; 并构建一个合作商家列表，其中包括与实施交易电子收据通信程序点的金融机构合作的多个合作商家对应的信息。

    SORTING MOBILE BANKING FUNCTIONS INTO AUTHENTICATION BUCKETS
    54.
    发明申请
    SORTING MOBILE BANKING FUNCTIONS INTO AUTHENTICATION BUCKETS 有权
    将移动银行功能划分为验证卡

    公开(公告)号：US20150227724A1

    公开(公告)日：2015-08-13

    申请号：US14175956

    申请日：2014-02-07

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Joseph Neil Johansen ,  Michael E. Toth ,  Daniel Lynn Carpenter ,  Hood Qaim-Maqami ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

    IPC: G06F21/30 ,  G06F21/31

    CPC classification number: G06Q20/108 ,  G06F21/30 ,  G06F21/31 ,  G06F2221/2113 ,  G06F2221/2149 ,  G06Q40/02 ,  H04L63/08 ,  H04L63/083 ,  H04L63/0853 ,  H04L63/105 ,  H04L2463/102

    Abstract: Embodiments are directed to systems, methods and computer program products for sorting mobile banking functions into authentication buckets. Embodiments determine, for each of a plurality of mobile banking functions, a corresponding authentication buckets, where each authentication bucket corresponds with a level of authentication. Some embodiments receive a request, from a user, to access a function; access the plurality of authentication buckets to determine which of the authentication buckets corresponds with the requested function; determine the level of authentication associated with the determined authentication bucket; determine which authentication types are associated with the level of authentication; request authentication credentials corresponding to the authentication types; 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, enable access to the function requested by the user.

    Abstract translation: 实施例涉及用于将移动银行功能分类到认证桶中的系统，方法和计算机程序产品。 对于多个移动银行业务中的每一个，实施例确定相应的认证桶，其中每个认证桶对应于认证级别。 一些实施例从用户接收到访问功能的请求; 访问所述多个认证桶以确定所述认证桶中的哪一个对应于所请求的功能; 确定与确定的认证桶相关联的认证级别; 确定哪些认证类型与认证级别相关联; 请求与认证类型相对应的认证凭证; 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，使得能够访问由用户请求的功能。

    SYSTEM FOR ASSESSING NETWORK AUTHENTICATION REQUIREMENTS BASED ON SITUATIONAL INSTANCE
    56.
    发明申请
    SYSTEM FOR ASSESSING NETWORK AUTHENTICATION REQUIREMENTS BASED ON SITUATIONAL INSTANCE 有权

    公开(公告)号：US20170195307A1

    公开(公告)日：2017-07-06

    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.

    INTELLIGENCE ASSESSMENT AND ACTION TRIGGERING AND ALERTING SYSTEM
    57.
    发明申请
    INTELLIGENCE ASSESSMENT AND ACTION TRIGGERING AND ALERTING SYSTEM 审中-公开

    公开(公告)号：US20170193604A1

    公开(公告)日：2017-07-06

    申请号：US14987145

    申请日：2016-01-04

    Applicant: Bank of America Corporation

    Inventor： Joseph Neil Johansen ,  Christopher Shawn Vale ,  Alexander C. Wittkowski ,  Anthony David Guido ,  Robert Scott Seidman ,  Michael Ma

    IPC: G06Q40/06 ,  G06F17/30

    CPC classification number: G06Q40/06

    Abstract: Embodiments of the invention provide for systems, computer program products, and methods for a financial wellness application that provides an overview of the financial well-being of users. The financial wellness of the users may be determined by identifying personal characteristics of the users regarding background information about the users and the users' households. Based on a user's personal characteristics, financial wellness questions are determined from a plurality of financial wellness questions to present to the user for which the user provides financial wellness input. The financial wellness input is transformed into a financial situation assessment, day-to-day management assessment, and preparation for the future assessment, which are transformed into an overall wellness score. Moreover, the financial wellness input may also be compared against financial wellness thresholds. As such, when the user's financial wellness input fails to meet the threshold values it may trigger the display of actionable advice for the user.

    Providing E-receipts to customers
    60.
    发明授权
    Providing E-receipts to customers 有权

    公开(公告)号：US09619842B2

    公开(公告)日：2017-04-11

    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: 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.

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