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公开(公告)号：US09531692B2
公开(公告)日：2016-12-27
申请号：US14491526
申请日：2014-09-19
Applicant: Bank of America Corporation
Inventor： Abdulkader Barbir , Eileen D. Bridges , Davindar Gill , Lawrence R. LaBella , Craig Worstell
CPC classification number: H04L63/062 , H04L9/085
Abstract: Aspects of the present disclosure are directed to methods and systems for securing mobile computing applications with distributed keys. In one aspect, a computer implemented method or computer readable media include steps electronically receiving, at a computer processor of a computing device, a first security key fragment based on a user input to the computing device; electronically receiving, at the computer processor, a second security key fragment from a network connected storage entity; and electronically concatenating, at the computer processor, the first security key fragment and the second security key fragment to generate a third security key.
Abstract translation: 本公开的方面针对用于使用分布式密钥来保护移动计算应用的方法和系统。 在一个方面，计算机实现的方法或计算机可读介质包括在计算设备的计算机处理器处基于对计算设备的用户输入来电接收第一安全密钥片段的步骤; 在计算机处理器处电子地从网络连接的存储实体接收第二安全密钥片段; 以及在所述计算机处理器处电子连接所述第一安全密钥片段和所述第二安全密钥片段以生成第三安全密钥。
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2.发明申请Providing Navigation Functionality in a Retail Location Using Local Positioning Technology 有权使用本地定位技术在零售位置提供导航功能公开(公告)号：US20160012496A1
公开(公告)日：2016-01-14
申请号：US14327728
申请日：2014-07-10
Applicant: BANK OF AMERICA CORPORATION
Inventor： Carrie Anne Hanson , Davindar Gill , Sharon Scanlon
CPC classification number: G06Q30/0281 , H04W4/02
Abstract: Methods and systems for providing navigation functionality in a retail location using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may generate one or more navigation instructions to guide the customer to another location. Then, the computing platform may send the one or more navigation instructions to the customer computing device.
Abstract translation: 提出了使用本地定位技术在零售位置提供导航功能的方法和系统。 在一些实施例中，客户辅助计算平台可以接收与由客户计算设备接收的信标信号和与客户计算设备相关联的标识符相关联的一个或多个属性。 随后，计算平台可以使用客户计算设备来确定客户的身份。 计算平台然后可以基于与信标信号相关联的一个或多个属性来确定使用客户计算设备的客户的位置。 此后，计算平台可以生成一个或多个导航指令以将客户引导到另一位置。 然后，计算平台可以将一个或多个导航指令发送到客户计算设备。
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公开(公告)号：US20160087950A1
公开(公告)日：2016-03-24
申请号：US14491526
申请日：2014-09-19
Applicant: Bank of America Corporation
Inventor： Abdulkader Barbir , Eileen D. Bridges , Davindar Gill , Lawrence R. LaBella , Craig Worstell
IPC: H04L29/06
CPC classification number: H04L63/062 , H04L9/085
Abstract: Aspects of the present disclosure are directed to methods and systems for securing mobile computing applications with distributed keys. In one aspect, a computer implemented method or computer readable media include steps electronically receiving, at a computer processor of a computing device, a first security key fragment based on a user input to the computing device; electronically receiving, at the computer processor, a second security key fragment from a network connected storage entity; and electronically concatenating, at the computer processor, the first security key fragment and the second security key fragment to generate a third security key.
Abstract translation: 本公开的方面针对用于使用分布式密钥来保护移动计算应用的方法和系统。 在一个方面，计算机实现的方法或计算机可读介质包括在计算设备的计算机处理器处基于对计算设备的用户输入来电接收第一安全密钥片段的步骤; 在计算机处理器处电子地从网络连接的存储实体接收第二安全密钥片段; 以及在所述计算机处理器处电子连接所述第一安全密钥片段和所述第二安全密钥片段以生成第三安全密钥。
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公开(公告)号：US20160012412A1
公开(公告)日：2016-01-14
申请号：US14328012
申请日：2014-07-10
Applicant: Bank of America Corporation
Inventor： Sharon Scanlon , Davindar Gill , Pete Bertanzetti
CPC classification number: H04W4/02 , G06F21/32 , G06F21/35 , G06F2221/2111 , G06F2221/2141 , G06Q20/3224 , G06Q20/4012 , G06Q20/40145 , H04L63/0892 , H04L63/107
Abstract: Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, a signal emitted from a beacon may be detected by a personal computing device of a user within a predefined proximity of the beacon. The location of the beacon, and the device detecting the signal, may be determined and the identity of the user associated with the device may be determined. Authentication information may be requested from the user. The request for authentication information may be transmitted to the personal computing device and the user may provide the authentication information via the device. If the received authentication information matches pre-stored authentication information, the user may be authenticated and/or authorized to conduct one or more transactions or types of transactions based on the determined location, identity, and authentication information.
Abstract translation: 提供了被配置为基于所确定的位置和/或身份来确定用户的位置，识别用户和提供附加服务的系统，方法，设备和计算机可读介质。 在一些示例中，从信标发射的信号可以由信标的预定义接近范围内的用户的个人计算设备检测。 可以确定信标的位置和检测信号的设备，并且可以确定与设备相关联的用户的身份。 可以从用户请求认证信息。 认证信息的请求可以被发送到个人计算设备，并且用户可以经由设备提供认证信息。 如果接收到的认证信息与预先存储的认证信息相匹配，则可以基于所确定的位置，身份和认证信息来认证和/或授权用户进行一个或多个事务或类型的事务。
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公开(公告)号：US20160012410A1
公开(公告)日：2016-01-14
申请号：US14328147
申请日：2014-07-10
Applicant: Bank of America Corporation
Inventor： Carrie Anne Hanson , Sharon Scanlon , Davindar Gill , David M. Grigg
CPC classification number: G06Q20/3224 , G06Q20/3552 , G06Q20/405 , G06Q30/016 , H04W4/023
Abstract: Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.
Abstract translation: 提供了被配置为基于所确定的位置和/或身份来确定用户的位置，识别用户和提供附加服务的系统，方法，设备和计算机可读介质。 在一些示例中，可以基于客户的个人计算设备对信号的检测来确定客户的身份。 可以识别与该客户相关联的一个或多个关联用户，并且可以向客户用户发送关联用户的位置。 在其他示例中，可以确定所识别的客户的类别，并且可以识别配备有与确定的顾客类别一起工作的关联用户。
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Patent Agency Ranking
公开(公告)号：US10108952B2
公开(公告)日：2018-10-23
申请号：US14328147
申请日：2014-07-10
Applicant: Bank of America Corporation
Inventor： Carrie Anne Hanson , Sharon Scanlon , Davindar Gill , David M. Grigg
Abstract: Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.
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公开(公告)号：US09691092B2
公开(公告)日：2017-06-27
申请号：US14327843
申请日：2014-07-10
Applicant: Bank of America Corporation
Inventor： Carrie Anne Hanson , Sharon Scanlon , Kim Stittsworth , David M. Grigg , Davindar Gill
CPC classification number: G06Q30/0613 , G06Q20/3221 , G06Q20/3224 , H04W4/02
Abstract: Methods and systems for predicting and responding to customer needs using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may determine one or more predicted needs of the customer. Then, the computing platform may generate a notification based on the predicted needs of the customer and may send the notification to the customer computing device.
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公开(公告)号：US09531542B2
公开(公告)日：2016-12-27
申请号：US14491541
申请日：2014-09-19
Applicant: Bank of America Corporation
Inventor： Abdulkader Barbir , Eileen D. Bridges , Davindar Gill , Lawrence R. LaBella , Craig Worstell
CPC classification number: H04L9/3236 , H04L9/3226 , H04L9/3273 , H04L63/062 , H04L63/126
Abstract: Aspects of the present disclosure pertain to system and method of securing mobile devices using virtual certificates at a computer processor. A method may include receiving a request for access to a computer network associated with a computing device to an application associated with a network connected server processor; electronically receiving, at the server processor, a first security key fragment from the computing device; the first security key fragment being paired with a verifier key fragment unknown to the computing device; generating a conditional seed key fragment at the server processor associated with the verifier key fragment; comparing a first hash parameter to a second hash parameter at the server processor; transmitting, at the server processor, a session security key for enabling network access to the application associated with the server processor.
Abstract translation: 本公开的方面涉及在计算机处理器处使用虚拟证书来保护移动设备的系统和方法。 一种方法可以包括：向与网络连接的服务器处理器相关联的应用接收对与计算设备相关联的计算机网络的访问请求; 在所述服务器处理器处电子地接收来自所述计算设备的第一安全密钥片段; 所述第一安全密钥片段与所述计算设备未知的验证者密钥片段配对; 在与验证者密钥片段相关联的服务器处理器处生成条件种子密钥片段; 将第一散列参数与所述服务器处理器处的第二散列参数进行比较; 在服务器处理器处发送会话安全密钥，用于启用对与服务器处理器相关联的应用的网络访问。
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9.发明申请公开(公告)号：US20170206572A1
公开(公告)日：2017-07-20
申请号：US15478586
申请日：2017-04-04
Applicant: Bank of America Corporation
Inventor： Carrie Anne Hanson , Davindar Gill , Sharon Scanlon
CPC classification number: G06Q30/0281 , H04W4/02
Abstract: Methods and systems for providing navigation functionality in a retail location using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may generate one or more navigation instructions to guide the customer to another location. Then, the computing platform may send the one or more navigation instructions to the customer computing device.
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公开(公告)号：US09432804B2
公开(公告)日：2016-08-30
申请号：US14327847
申请日：2014-07-10
Applicant: Bank of America Corporation
Inventor： Carrie Anne Hanson , Don Cardinal , Sharon Scanlon , Davindar Gill , Alicia C. Jones , Russell Lewis
CPC classification number: H04W4/02 , G06Q20/108 , G06Q20/3224 , G06Q20/40 , G06Q20/405
Abstract: Systems and methods for using proximity positioning systems to determine an identity and location of a user, and process a pre-staged transaction based on the determined information are provided. In some examples, a transaction may be initiated by a user. A financial institution may pre-process the transaction and, upon establishing a physical presence of the user at a banking center, may further process and/or complete the transaction. The physical presence of the user may be established based on a signal from a location beacon at the banking center being detected by a personal computing device of the user. Because the personal computing device is within a predefined proximity of the location beacon in order to detect the signal, the location of the location beacon, and, thus the personal computing device may be determined, and an identity of the user may be determined.
Abstract translation: 提供了使用接近定位系统来确定用户的身份和位置以及基于确定的信息来处理预分段交易的系统和方法。 在一些示例中，事务可以由用户发起。 金融机构可以预处理交易，并且在银行中心建立用户的实际存在时，可以进一步处理和/或完成交易。 可以基于由用户的个人计算设备检测到的来自银行中心的位置信标的信号来建立用户的物理存在。 由于个人计算设备在位置信标的预定义的接近度内以便检测信号，因此可以确定位置信标的位置，并且因此可以确定个人计算设备的位置，并且可以确定用户的身份。
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