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公开(公告)号：US20150026057A1
公开(公告)日：2015-01-22
申请号：US13946581
申请日：2013-07-19
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Dipika Jain , William Kelley , Chris Purvis , Michael E. Toth
IPC: G06Q20/32
CPC classification number: G06Q20/3223 , G06Q40/02
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) initiate, via a mobile device, a transaction request for a mobile banking transaction; (b) store the transaction request for the mobile banking transaction in a queue for mobile banking transaction requests; (c) retrieve from the queue, using a computing device, the transaction request for the mobile banking transaction, wherein the computing device is different from the mobile device; and (d) complete, using the computing device, the transaction request for the mobile banking transaction.
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）经由移动设备发起移动银行交易的交易请求; （b）将移动银行交易的交易请求存储在移动银行交易请求的队列中; （c）使用计算设备从所述队列中检索所述移动银行交易的交易请求，其中所述计算设备与所述移动设备不同; 和（d）使用计算设备完成移动银行交易的交易请求。
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公开(公告)号：US20150026053A1
公开(公告)日：2015-01-22
申请号：US13946304
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: G06Q20/10
CPC classification number: G06Q20/108 , G06Q20/3221
Abstract: Disclosed is a system and associated method for providing alerts regarding a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently determining whether a computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and transmitting a notification that the computing device has engaged in the predefined online banking transaction to the mobile device based on determining that (i) the computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and (ii) the mobile device is associated with the customer's online banking account.
Abstract translation: 公开了一种用于提供关于客户的在线银行账户的警报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。 该模块通常被配置为初始地将移动设备与客户的在线银行账户相关联。 此外，模块通常被配置用于随后确定计算设备是否已经参与与客户的在线银行帐户相关联的预定义的在线银行交易，并且将计算设备已经参与预定义的在线银行交易的通知发送到移动设备 基于确定（i）计算设备已经参与与客户的在线银行帐户相关联的预定义的在线银行交易，以及（ii）移动设备与客户的在线银行帐户相关联。
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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：US20150026055A1
公开(公告)日：2015-01-22
申请号：US13946519
申请日：2013-07-19
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew A. Calman , Dipika Jain , William Kelley , Chris Purvis , Michael E. Toth
IPC: G06Q20/32
CPC classification number: G06Q20/3223 , G06Q40/02
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution.
Abstract translation: 本发明的实施例涉及用于提供离线移动银行系统的系统，方法和计算机程序产品。 一种示例性设备被配置为：在移动设备处提供交易请求，确定在移动设备与与金融机构相关联的设备之间未建立连接，响应于确定连接而存储交易请求尚未被 建立，建立移动设备和与金融机构相关联的服务器之间的连接，并将存储的交易请求从移动设备传送到与金融机构相关联的设备。
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公开(公告)号：US20150026351A1
公开(公告)日：2015-01-22
申请号：US13946425
申请日：2013-07-19
Applicant: Bank of America Corporation
Inventor： Matthew A. Calman , Dipika Jain , William E. Kelley , Michael E. Toth , Chris Purvis
IPC: H04L29/06
CPC classification number: H04L65/1083
Abstract: Embodiments for transferring online account sessions are included in systems that enable a user to transfer control of an account session from a first mobile device to a second mobile device and determine whether or not the second mobile device has control of the account session based on transmission data received from the first mobile device or second mobile device. The systems receive transaction data, user input, or device tracking data from the first device or second device, and use the data to process online activities.
Abstract translation: 用于传送在线帐户会话的实施例包括在使得用户能够将帐户会话的控制从第一移动设备传送到第二移动设备的系统中，并且基于传输数据来确定第二移动设备是否具有对帐户会话的控制 从第一移动设备或第二移动设备接收。 系统从第一设备或第二设备接收交易数据，用户输入或设备跟踪数据，并使用数据来处理在线活动。
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Patent Agency Ranking
公开(公告)号：US20150026054A1
公开(公告)日：2015-01-22
申请号：US13946511
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: G06F21/6245 , G06F2221/2141 , G06F2221/2149 , G06Q20/108 , G06Q20/3224
Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account based on customer-defined online-banking access restrictions. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently receiving a restricted transaction definition from the mobile device, the restricted transaction definition defining a first restricted transaction associated with the customer's online banking account; searching a database of records to determine if the mobile device is associated with the customer's online banking account; and creating a restricted transaction record based on determining that the first mobile device is associated with the customer's online banking account, the restricted transaction record including the first restricted transaction definition.
Abstract translation: 公开了一种系统和相关方法，用于根据客户定义的网上银行访问限制来限制对客户的网上银行帐户的访问。 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。 该模块通常被配置为初始地将移动设备与客户的在线银行账户相关联。 另外，模块通常被配置为随后从移动设备接收限制的交易定义，该限制交易定义定义与客户的在线银行账户相关联的第一受限交易; 搜索记录数据库以确定移动设备是否与客户的在线银行帐户相关联; 以及基于确定所述第一移动设备与所述客户的在线银行帐户相关联来创建受限制的交易记录，所述受限交易记录包括所述第一受限交易定义。
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公开(公告)号：US20150026026A1
公开(公告)日：2015-01-22
申请号：US13946658
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 , G06Q20/108 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q20/3224 , G06Q20/325 , G06Q20/40 , G06Q20/4014 , G06Q20/4016 , G06Q20/403 , G06Q20/4037 , G06Q20/405 , G06Q20/425 , G06Q30/00 , G06Q30/06 , G06Q30/0601 , G06Q30/0633 , G06Q40/00
Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device.
Abstract translation: 公开了一种用于限制访问客户的在线银行账户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。 该模块通常被配置用于确定计算设备已经启动与客户的在线银行帐户相关联的第一网上银行交易。 如果第一网上银行交易是在第一受限制的交易定义内，并且如果计算设备未被注册到客户的在线银行帐户，则与计算设备相关联的地理位置信息和与登记有客户端的第一移动设备相关联的地理位置信息 收到帐号。 该模块确定计算设备的位置是否靠近预定义的位置和/或计算设备的位置是否接近第一移动设备的位置。
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8.发明申请SYSTEMS FOR MANAGING ACCOUNT AGGREGATORS ACCESS TO FINANCIAL ACCOUNT INFORMATION 审中-公开用于管理账户收款人的系统访问财务帐户信息公开(公告)号：US20150026024A1
公开(公告)日：2015-01-22
申请号：US13946068
申请日：2013-07-19
Applicant: Bank of America Corporation
Inventor： Matthew A. Calman , Dipika Jain , Chris Purvis , William Kelley , Michael E. Toth
IPC: G06Q40/02
CPC classification number: G06Q40/02
Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for determining and notifying a user, herein a financial institution customer, as to which account aggregators currently have been granted permission to access accounts held by the customer at the financial institution. In addition to notifying the customer of the current status of account aggregator access, the present invention provides the customer, through an online or mobile banking application or the like, a comprehensive tool for managing the access granted to all of the account aggregators that are determined to currently have permission to access the customer's accounts.
Abstract translation: 本发明的实施例涉及用于确定和通知用户（在此为金融机构客户）的装置，方法和计算机程序产品，关于当前已被授权访问由该客户在金融机构持有的帐户的帐户的哪些帐户聚合者。 除了向客户通知帐户聚合者访问的当前状态之外，本发明还通过在线或移动银行应用程序等向客户提供用于管理授予所有被确定的帐户聚合器的访问的综合工具 目前有权访问客户的帐户。
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公开(公告)号：US09519934B2
公开(公告)日：2016-12-13
申请号：US13946658
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 , G06Q20/108 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q20/3224 , G06Q20/325 , G06Q20/40 , G06Q20/4014 , G06Q20/4016 , G06Q20/403 , G06Q20/4037 , G06Q20/405 , G06Q20/425 , G06Q30/00 , G06Q30/06 , G06Q30/0601 , G06Q30/0633 , G06Q40/00
Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device.
Abstract translation: 公开了一种用于限制访问客户的在线银行账户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。 该模块通常被配置用于确定计算设备已经启动与客户的在线银行帐户相关联的第一网上银行交易。 如果第一网上银行交易是在第一受限制的交易定义内，并且如果计算设备未被注册到客户的在线银行帐户，则与计算设备相关联的地理位置信息和与登记有客户端的第一移动设备相关联的地理位置信息 收到帐号。 该模块确定计算设备的位置是否靠近预定义的位置和/或计算设备的位置是否接近第一移动设备的位置。
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公开(公告)号：US09384478B2
公开(公告)日：2016-07-05
申请号：US13946519
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 , G06Q40/02
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution.
Abstract translation: 本发明的实施例涉及用于提供离线移动银行系统的系统，方法和计算机程序产品。 一种示例性设备被配置为：在移动设备处提供交易请求，确定在移动设备与与金融机构相关联的设备之间未建立连接，响应于确定连接而存储交易请求尚未被 建立，建立移动设备和与金融机构相关联的服务器之间的连接，并将存储的交易请求从移动设备传送到与金融机构相关联的设备。
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