公开(公告)号：US09509702B2

公开(公告)日：2016-11-29

申请号：US15046362

申请日：2016-02-17

申请人： BANK OF AMERICA CORPORATION

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

IPC分类号： G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  G06Q40/02

CPC分类号： 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

摘要： 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.

摘要翻译： 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接入。 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：US09509685B2

公开(公告)日：2016-11-29

申请号：US15047786

申请日：2016-02-19

申请人： Bank of America Corporation

发明人： David M. Grigg ,  Peter John Bertanzetti ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Joseph Neil Johansen ,  Michael E. Toth ,  Elizabeth S. Votaw

IPC分类号： G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  G06F21/31 ,  G06F21/41

CPC分类号： H04L63/083 ,  G06F21/31 ,  G06F21/41 ,  H04L63/04 ,  H04L63/08 ,  H04L63/10

摘要： 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.

公开(公告)号：US20160267599A1

公开(公告)日：2016-09-15

申请号：US14657801

申请日：2015-03-13

申请人： Bank of America Corporation

发明人： Joseph Neil Johansen ,  Anthony David Guido

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06

摘要： 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; determine a financial institution product based on the customer's finances and the customer's financial goals; and provide indication of how the financial institution product impacts the customer's finances.

摘要翻译： 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; 根据客户的财务状况和客户的财务目标确定金融机构产品; 并提供金融机构产品如何影响客户财务状况的指示。

公开(公告)号：US09406055B2

公开(公告)日：2016-08-02

申请号：US15047283

申请日：2016-02-18

申请人： Bank of America Corporation

发明人： David M. Grigg ,  Hood Qaim-Maqami ,  Alicia C. Jones ,  Elizabeth S. Votaw ,  Joseph Neil Johansen ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Michael Patrick Lynch

IPC分类号： H04L29/06 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/38

CPC分类号： H04L63/08 ,  G06F21/31 ,  G06Q20/108 ,  G06Q20/3226 ,  G06Q20/382 ,  G06Q20/405 ,  G06Q40/02 ,  H04L63/10

摘要： 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).

公开(公告)号：US09391976B2

公开(公告)日：2016-07-12

申请号：US14968657

申请日：2015-12-14

申请人： BANK OF AMERICA CORPORATION

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

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

CPC分类号： H04L63/08 ,  G06F21/31 ,  H04L63/0876 ,  H04L63/10

摘要： 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 one or more authentication credentials; receive one or more authentication credentials from the user based on a user-selected preference; validate the one or more authentication credentials based on the user-selected preference; and execute the user action based on a successful validation of the one or more authentication credentials

摘要翻译： 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的模块，其中用户动作需要一个或多个认证证书; 基于用户选择的优先级从用户接收一个或多个认证凭证; 基于用户选择的优先级验证一个或多个认证凭证; 并且基于一个或多个认证凭证的成功验证来执行用户动作

公开(公告)号：US20160173484A1

公开(公告)日：2016-06-16

申请号：US15047786

申请日：2016-02-19

申请人： Bank of America Corporation

发明人： David M. Grigg ,  Peter John Bertanzetti ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Joseph Neil Johansen ,  Michael E. Toth ,  Elizabeth S. Votaw

IPC分类号： H04L29/06

CPC分类号： H04L63/083 ,  G06F21/31 ,  G06F21/41 ,  H04L63/04 ,  H04L63/08 ,  H04L63/10

摘要： 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.

公开(公告)号：US20160156608A1

公开(公告)日：2016-06-02

申请号：US15016125

申请日：2016-02-04

申请人： BANK OF AMERICA CORPORATION

发明人： David M. Grigg ,  Peter John Bertanzetti ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Joseph Neil Johansen ,  Michael E. Toth

IPC分类号： H04L29/06 ,  H04W4/02

CPC分类号： G06F21/31 ,  G06F2221/2111 ,  H04L63/08 ,  H04L63/10 ,  H04W4/02 ,  H04W4/021 ,  H04W4/023

摘要： 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.

公开(公告)号：US20160099929A1

公开(公告)日：2016-04-07

申请号：US14968657

申请日：2015-12-14

申请人： BANK OF AMERICA CORPORATION

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

IPC分类号： H04L29/06

CPC分类号： H04L63/08 ,  G06F21/31 ,  H04L63/0876 ,  H04L63/10

摘要： 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 one or more authentication credentials; receive one or more authentication credentials from the user based on a user-selected preference; validate the one or more authentication credentials based on the user-selected preference; and execute the user action based on a successful validation of the one or more authentication credentials

摘要翻译： 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的模块，其中用户动作需要一个或多个认证证书; 基于用户选择的优先级从用户接收一个或多个认证凭证; 基于用户选择的优先级验证一个或多个认证凭证; 并且基于一个或多个认证凭证的成功验证来执行用户动作

公开(公告)号：US09286450B2

公开(公告)日：2016-03-15

申请号：US14175672

申请日：2014-02-07

申请人： BANK OF AMERICA CORPORATION

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

IPC分类号： G06F7/04 ,  G06F17/30 ,  H04L29/06 ,  G06F21/31

CPC分类号： 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

摘要： 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.

公开(公告)号：US20150363761A1

公开(公告)日：2015-12-17

申请号：US14457908

申请日：2014-08-12

申请人： Bank of America Corporation

发明人： David M. Grigg ,  James Gregory Ronca ,  Henry J. Chou ,  Joseph Neil Johansen ,  Michael E. Toth

IPC分类号： G06Q20/22 ,  G06Q20/10

CPC分类号： G06Q20/223 ,  G06Q20/102

摘要： Systems, apparatus, and computer program products are provided for promoting payment via a Person-to-Person (P2P) payment rail through use of a widget embedded in or accessible through a web page, application, electronic document, text message or the like.

摘要翻译： 提供系统，装置和计算机程序产品，用于通过使用嵌入或通过网页，应用程序，电子文档，文本消息等可访问的小部件来促进通过个人对人（P2P）支付轨道的支付。