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公开(公告)号：US20150026056A1
公开(公告)日：2015-01-22
申请号：US13946570
申请日：2013-07-19
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Dipika Jain , William Kelley , Chris Purvis , Michael E. Toth
CPC classification number: G06Q20/3223
Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) receive input relating to user-designated trusted locations for completing a mobile banking transaction, (b) receive input from the user relating to a transaction request, (c) determine whether the mobile device is located at a trusted locations, and (d) complete the transaction request; or store the transaction request in a queue for mobile banking transactions on the mobile device.
Abstract translation: 本发明的实施例涉及用于在可信位置完成移动银行交易的系统，计算机实现的方法和计算机程序产品。 在一些实施例中，系统被配置为：（a）接收与用户指定的可信位置相关的输入以完成移动银行交易，（b）从用户接收与交易请求有关的输入，（c）确定移动 设备位于可信位置，（d）完成交易请求; 或将交易请求存储在用于移动设备上的移动银行交易的队列中。
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公开(公告)号：US20150026025A1
公开(公告)日：2015-01-22
申请号：US13946183
申请日：2013-07-19
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , William E. Kelley , Chris Purvis , Dipika Jain , Michael E. Toth
IPC: G06Q40/02
CPC classification number: G06Q40/02
Abstract: Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device.
Abstract translation: 公开了将客户的移动设备用作另一客户设备的网上银行远程控制的系统和相关联的方法。 该系统通常包括存储在存储器中的处理器，存储器和网上银行模块。 模块通常被配置为（i）将移动设备与客户的在线银行帐户相关联，以及（ii）将移动设备绑定到另一计算设备。 此外，模块通常被配置为随后从移动设备接收与客户的在线银行帐户相关联并与计算设备相关联的远程访问命令。 然后可以基于远程访问命令来修改计算设备对客户的在线银行帐户的远程访问，并确定（i）移动设备与客户的在线银行帐户相关联，以及（ii）移动设备必须 计算设备。
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公开(公告)号：US11775623B2
公开(公告)日：2023-10-03
申请号：US17317979
申请日：2021-05-12
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Xianhong Zhang , Hitesh Shah , Srinivasa Rao Goriparthi
CPC classification number: G06F21/316 , G06F21/41 , G06N20/00 , H04L63/0876 , H04L63/0892 , H04W12/63
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems using machine-learned user-account behavior profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account. The computing platform may capture one or more behavioral parameters and activity data associated with one or more interactions with one or more non-authenticated pages. Then, the computing platform may evaluate the one or more behavioral parameters and the activity data using a behavioral profile associated with the user account. Based on this evaluation, the computing platform may identify the authentication request as malicious and may generate and send one or more denial-of-access commands to prevent the client computing device from accessing the one or more secured information resources associated with the user account.
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公开(公告)号：US20220027441A1
公开(公告)日：2022-01-27
申请号：US17498317
申请日：2021-10-11
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Hitesh Shah , Xianhong Zhang
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems based on machine-learned user behavior profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account. The computing platform may capture behavioral parameters associated with the client computing device and may evaluate the behavioral parameters using a behavioral profile associated with the user account to determine a behavioral deviation score. Based on the behavioral deviation score, the computing platform may select an authentication action from a plurality of pre-defined authentication actions. Subsequently, the computing platform may generate commands directing an account portal computing platform to allow access, conditionally allow access, or prevent access based on the selected authentication action. Then, the computing platform may send the commands to the account portal computing platform.
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65.发明授权公开(公告)号：US11120109B2
公开(公告)日：2021-09-14
申请号：US16210028
申请日：2018-12-05
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Hitesh Shah , Xianhong Zhang
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems based on machine-learned event profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account in a client portal session. The computing platform may capture one or more behavioral parameters and may generate one or more authentication prompts. Thereafter, the computing platform may receive one or more authentication prompt responses and may evaluate an event pattern. Based on evaluating the event pattern and validating the one or more authentication prompt responses, the computing platform may generate and send one or more authentication commands directing an account portal computing platform to allow access to the one or more secured information resources associated with the user account in the client portal session.
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Patent Agency Ranking
公开(公告)号：US20210264005A1
公开(公告)日：2021-08-26
申请号：US17317979
申请日：2021-05-12
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Xianhong Zhang , Hitesh Shah , Srinivasa Rao Goriparthi
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems using machine-learned user-account behavior profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account. The computing platform may capture one or more behavioral parameters and activity data associated with one or more interactions with one or more non-authenticated pages. Then, the computing platform may evaluate the one or more behavioral parameters and the activity data using a behavioral profile associated with the user account. Based on this evaluation, the computing platform may identify the authentication request as malicious and may generate and send one or more denial-of-access commands to prevent the client computing device from accessing the one or more secured information resources associated with the user account.
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67.发明申请公开(公告)号：US20200184051A1
公开(公告)日：2020-06-11
申请号：US16210062
申请日：2018-12-05
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Xianhong Zhang , Hitesh Shah , Srinivasa Rao Goriparthi
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems using machine-learned user-account behavior profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account. The computing platform may capture one or more behavioral parameters and activity data associated with one or more interactions with one or more non-authenticated pages. Then, the computing platform may evaluate the one or more behavioral parameters and the activity data using a behavioral profile associated with the user account. Based on this evaluation, the computing platform may identify the authentication request as malicious and may generate and send one or more denial-of-access commands to prevent the client computing device from accessing the one or more secured information resources associated with the user account.
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公开(公告)号：US20190132328A1
公开(公告)日：2019-05-02
申请号：US15798163
申请日：2017-10-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Anderson Sims , Kolt Arthur Bell , Michael Joseph Carroll , Andrew DongHo Kim , Elliot Piatetsky , Stephen M. Schneeweis , Michael E. Toth , Craig D. Widmann , Dharmender Kumar Satija , Sai Kishan Alapati
Abstract: Systems, computer program products, and methods are described herein for elevated authentication model using cross-channel data. The present invention is configured to receive one or more exposure events from a detection system, wherein at least one of the one or more exposure events indicates that a user has failed an authentication requirement in at least one communication channel associated with the detection system; store the one or more exposure events in a centralized repository; determine one or more other communication channels across the one or more detection systems available for access to the user; and increase an authentication requirement of the user in the one or more other communication channels, wherein increasing the authentication requirement further comprises increasing an authentication level required to enable the user to access at least one of the one or more functions associated with at least one of the one or more applications.
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公开(公告)号：US09646342B2
公开(公告)日：2017-05-09
申请号：US13946183
申请日：2013-07-19
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , William E. Kelley , Chris Purvis , Dipika Jain , Michael E. Toth
CPC classification number: G06Q40/02
Abstract: Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device.
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公开(公告)号：US09633355B2
公开(公告)日：2017-04-25
申请号：US14149003
申请日：2014-01-07
Applicant: Bank of America Corporation
Inventor： Apeksh M. Dave , John F. Zemaitis , Kenneth B. Norris , Michael E. Toth
CPC classification number: G06Q30/0185 , H04L63/0807 , H04L63/20
Abstract: According to certain embodiments of the disclosure, a system receives a request from a user device to conduct an activity with an enterprise and determines an authentication level associated with the activity. The system receives information associated with the user from a plurality of disparate channels and calculates a risk score associated with the user based on the received information associated with the user. The system generates a token based on the authentication level and risk score and communicates the token to the user device.
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