公开(公告)号：US09213974B2

公开(公告)日：2015-12-15

申请号：US14175786

申请日：2014-02-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elizabeth S. Votaw ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Alicia C. Jones ,  Michael Patrick Lynch ,  Hood Qaim-Maqami

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/34

CPC classification number: G06Q20/3224 ,  G01S5/0284 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/351 ,  G06Q20/40 ,  G06Q20/409 ,  H04W4/021 ,  H04W4/025 ,  H04W4/12 ,  H04W4/50

Abstract: Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located.

Abstract translation: 本发明的实施例涉及一种用于基于某些事件访问用户的远程定位的移动设备的发明。 系统，方法和计算机程序产品被配置为：（a）监视涉及用户的交易车辆的一个或多个交易; （b）至少部分地基于所述一个或多个交易确定交易车辆的物理位置; （c）确定所述用户的移动设备的地理位置，其中所述移动设备与所述交易车辆相关联; （d）确定用户的交易车辆和用户的移动设备是否位于同一地点; 并且（e）至少部分地基于确定所述移动设备和所述用户的交易车辆不是共同位置来重新配置所述移动设备可访问的一个或多个应用或所述移动设备的一个或多个功能特征。

公开(公告)号：US20150227731A1

公开(公告)日：2015-08-13

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: 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。

公开(公告)号：US20150227729A1

公开(公告)日：2015-08-13

申请号：US14175672

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: G06F21/31

CPC classification number: H04L63/105 ,  G06F17/30312 ,  G06F17/30528 ,  G06F17/30867 ,  G06F21/31 ,  G06Q40/02 ,  H04L63/0823 ,  H04L63/083 ,  H04L63/0853 ,  H04L63/0861 ,  H04L63/0876 ,  H04L63/107 ,  H04W12/06

Abstract: Embodiments of the invention are directed to a system, method, and a computer program product self-selected user access based on specific authentication types. The system typically including a memory, a processor, and a module configured to receive from a user, a user-selected preference, wherein the user-selected preference comprises one or more authentication types desired by the user; determine a level of authentication from a plurality of levels of authentication are associated with the one or more authentication types associated with the user-selected preference; initiate the presentation of a user interface that enables the user to select one or more application functions, wherein the one or more application functions are associated with the determined level of authentication; receive from a user, a selection of one or more application functions.

Abstract translation: 本发明的实施例涉及基于特定认证类型的系统，方法和计算机程序产品自选用户访问。 该系统通常包括存储器，处理器和被配置为从用户接收用户选择的优先级的模块，其中用户选择的优选包括用户期望的一种或多种认证类型; 确定来自多个认证级别的认证级别与与所述用户选择的偏好相关联的所述一个或多个认证类型相关联; 启动允许用户选择一个或多个应用功能的用户界面的呈现，其中所述一个或多个应用功能与所确定的认证级别相关联; 从用户接收，选择一个或多个应用功能。

公开(公告)号：US20150227726A1

公开(公告)日：2015-08-13

申请号：US14175615

申请日：2014-02-07

Applicant: Bank Of America Corporation

Inventor： David M. Grigg ,  Charles Jason Burrell ,  Peter John Bertanzetti

IPC: G06F21/31

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。