公开(公告)号：US11645643B2

公开(公告)日：2023-05-09

申请号：US17037042

申请日：2020-09-29

Applicant: Bank of America Corporation

Inventor： Christopher Hope ,  James McMorrow ,  Sumita Desai ,  Shehreyar Jamshed ,  Ayeesha Sachedina ,  Anna Xu ,  Brandon Castagna ,  Sasikumar Sivaraman ,  Lauren Hewings ,  Alex Wong

IPC: G06Q20/30 ,  G06Q20/32 ,  G16Y20/40 ,  G06Q20/02 ,  G06Q20/40

CPC classification number: G06Q20/3229 ,  G06Q20/027 ,  G06Q20/4012 ,  G16Y20/40

Abstract: A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.

公开(公告)号：US20220101302A1

公开(公告)日：2022-03-31

申请号：US17037042

申请日：2020-09-29

Applicant: Bank of America Corporation

Inventor： Christopher Hope ,  James McMorrow ,  Sumita Desai ,  Shehreyar Jamshed ,  Ayeesha Sachedina ,  Anna Xu ,  Brandon Castagna ,  Sasikumar Sivaraman ,  Lauren Hewings ,  Alex Wong

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/02 ,  G16Y20/40

Abstract: A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.