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91. 发明申请

US20160350868A1 INTERACTIVE MAP FOR GROUPED ACTIVITIES WITHIN A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM 有权
公开(公告)号：US20160350868A1
公开(公告)日：2016-12-01
申请号：US15237528
申请日：2016-08-15
申请人： BANK OF AMERICA CORPORATION
发明人： Elizabeth S. Votaw , Laura Corinne Bondesen , Matthew A. Calman , Katherine Dintenfass , Candice Michelle Jones , Charles Karim Aweida , Parker Holt Bossier , Rebecca A. Chen , Nandhita Kumar , Min Zhao
IPC分类号： G06Q40/00 , G06F17/30
CPC分类号： G06Q40/12 , G06F17/30061 , G06F17/30601 , G06F17/30867 , G06F17/3087 , G06Q50/01
摘要： Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map.

92. 发明申请

US20160350867A1 INTERACTIVE MAPPING SYSTEM FOR USER EXPERIENCE AUGMENTATION 有权
标题翻译：用于用户体验的互动映射系统
公开(公告)号：US20160350867A1
公开(公告)日：2016-12-01
申请号：US15237176
申请日：2016-08-15
申请人： BANK OF AMERICA CORPORATION
发明人： Elizabeth S. Votaw , Laura Corinne Bondesen , Matthew A. Calman , Katherine Dintenfass , Candice Michelle Jones , Charles Karim Aweida , Parker Holt Bossier , Rebecca A. Chen , Nandhita Kumar , Min Zhao
IPC分类号： G06Q40/00 , G06F3/0482 , G06F17/30
CPC分类号： G06Q40/12 , G06F3/0482 , G06F17/30061 , G06F17/30601 , G06F17/30867 , G06F17/3087 , G06Q50/01
摘要： Embodiments of the invention comprise systems, computer program products, and methods for an interactive mapping system. The system provides improved tracking and management related to activity resource requirements in a time/geographic locational relationship. The system captures activity information and images and identifies relationship resource requirements for the activity. The system generates an interactive mapping system for user experience augmentation.
摘要翻译：本发明的实施例包括用于交互式地图绘制系统的系统，计算机程序产品和方法。该系统提供与时间/地理位置关系中的活动资源需求相关的改进的跟踪和管理。系统捕获活动信息和图像，并确定活动的关系资源需求。系统生成用于增加用户体验的交互式地图系统。

93. 发明授权

US09501908B2 System for processing and tracking merchant deposits 有权
公开(公告)号：US09501908B2
公开(公告)日：2016-11-22
申请号：US15047576
申请日：2016-02-18
申请人： BANK OF AMERICA CORPORATION
发明人： Carrie Anne Hanson , Elizabeth S. Votaw
IPC分类号： G06K19/06 , G06Q20/30 , G07F19/00 , G06Q20/10
CPC分类号： G07F19/00 , G06K19/06037 , G06Q20/1085 , G06Q20/30 , G07F19/202
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for processing and tracking merchant deposits. An exemplary apparatus is configured to receive a deposit package that contains one or more deposit items which have been placed in the deposit package by a merchant. The deposit package may also contain and/or be coupled with visual indicia that has been created by the merchant. The visual indicia may specify information about the one or more deposit items placed in the deposit package. The apparatus may be further configured to read the visual indicia upon receiving the deposit package and track the deposit package based at least partially on the visual indicia.

94. 发明授权

US09483766B2 User authentication based on historical transaction data 有权
标题翻译：基于历史交易数据的用户认证
公开(公告)号：US09483766B2
公开(公告)日：2016-11-01
申请号：US15047114
申请日：2016-02-18
申请人： BANK OF AMERICA CORPORATION
发明人： David M. Grigg , Peter John Bertanzetti , Michael E. Toth , Carrie Anne Hanson , Elizabeth S. Votaw
IPC分类号： G06F7/04 , G06F15/16 , G06F17/30 , H04L29/06 , G06Q20/40 , H04W12/04 , G06Q20/32 , G06Q20/34
CPC分类号： G06Q20/405 , G06F17/3053 , G06Q20/3224 , G06Q20/327 , G06Q20/34 , G06Q20/4016 , H04L63/08 , H04L2463/082 , H04W12/04
摘要： Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation of authentication credentials; collect a transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and, in response to the successful validation of the authentication credentials, execute the user action.
摘要翻译：实施例涉及用于基于交易数据提供用户认证的系统，方法和计算机程序产品。实施例从用户接收执行与应用相关联的用户动作的请求，其中用户动作的执行需要认证证书的验证; 收集包含由用户进行的交易相关信息的数据交易集合; 收集包括与用户的物理位置有关的信息的位置数据集; 确定与用户和交易相关联的交易接近评分; 确定与确定的交易接近评分相关联的认证级别; 确定哪些认证类型与认证级别相关联; 请求认证凭证; 从用户接收认证凭证; 验证身份验证凭证，从而导致验证凭证成功验证; 并且响应于认证证书的成功验证，执行用户动作。

95. 发明授权

US09477960B2 User authentication based on historical transaction data 有权
公开(公告)号：US09477960B2
公开(公告)日：2016-10-25
申请号：US15047115
申请日：2016-02-18
申请人： BANK OF AMERICA CORPORATION
发明人： David M. Grigg , Peter John Bertanzetti , Michael E. Toth , Carrie Anne Hanson , Elizabeth S. Votaw
IPC分类号： G06F7/04 , G06F15/16 , G06F17/30 , H04L29/06 , G06Q20/40 , H04W12/04 , G06Q20/32 , G06Q20/34
CPC分类号： G06Q20/405 , G06F17/3053 , G06Q20/3224 , G06Q20/327 , G06Q20/34 , G06Q20/4016 , H04L63/08 , H04L2463/082 , H04W12/04
摘要： Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation of authentication credentials; collect a transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and, in response to the successful validation of the authentication credentials, execute the user action.

96. 发明申请

US20160171630A1 INTERACTIVE MAP FOR GROUPED ACTIVITIES WITHIN A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM 有权
公开(公告)号：US20160171630A1
公开(公告)日：2016-06-16
申请号：US15047600
申请日：2016-02-18
申请人： BANK OF AMERICA CORPORATION
发明人： Elizabeth S. Votaw , Laura Corinne Bondesen , Matthew A. Calman , Katherine Dintenfass , Candice Michelle Jones , Charles Karim Aweida , Parker Holt Bossier , Rebecca A. Chen , Nandhita Kumar , Min Zhao
IPC分类号： G06Q40/00 , G06Q50/00 , G06F17/30
CPC分类号： G06Q40/12 , G06F17/30061 , G06F17/30601 , G06F17/30867 , G06F17/3087 , G06Q50/01
摘要： Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map.

97. 发明申请

US20160162896A1 USER AUTHENTICATION BASED ON HISTORICAL TRANSACTION DATA 有权
公开(公告)号：US20160162896A1
公开(公告)日：2016-06-09
申请号：US15047115
申请日：2016-02-18
申请人： BANK OF AMERICA CORPORATION
发明人： David M. Grigg , Peter John Bertanzetti , Michael E. Toth , Carrie Anne Hanson , Elizabeth S. Votaw
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/34
CPC分类号： G06Q20/405 , G06F17/3053 , G06Q20/3224 , G06Q20/327 , G06Q20/34 , G06Q20/4016 , H04L63/08 , H04L2463/082 , H04W12/04
摘要： Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation of authentication credentials; collect a transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and, in response to the successful validation of the authentication credentials, execute the user action.

98. 发明申请

US20160134614A1 USER AUTHENTICATION BASED ON OTHER APPLICATIONS 有权
公开(公告)号：US20160134614A1
公开(公告)日：2016-05-12
申请号：US14980974
申请日：2015-12-28
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.

99. 发明授权

US09313190B2 Shutting down access to all user accounts 有权
公开(公告)号：US09313190B2
公开(公告)日：2016-04-12
申请号：US14175136
申请日：2014-02-07
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 , G06Q40/02
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).

100. 发明授权

US09305149B2 Sorting mobile banking functions into authentication buckets 有权
标题翻译：将移动银行功能分为认证桶
公开(公告)号：US09305149B2
公开(公告)日：2016-04-05
申请号：US14175956
申请日：2014-02-07
申请人： BANK OF AMERICA CORPORATION
发明人： David M. Grigg , Joseph Neil Johansen , Michael E. Toth , Daniel Lynn Carpenter , Hood Qaim-Maqami , Carrie Anne Hanson , Elizabeth S. Votaw
IPC分类号： G06F12/14 , H04L29/06 , G06F21/30 , G06F21/31
CPC分类号： G06Q20/108 , G06F21/30 , G06F21/31 , G06F2221/2113 , G06F2221/2149 , G06Q40/02 , H04L63/08 , H04L63/083 , H04L63/0853 , H04L63/105 , H04L2463/102
摘要： Embodiments are directed to systems, methods and computer program products for sorting mobile banking functions into authentication buckets. Embodiments determine, for each of a plurality of mobile banking functions, a corresponding authentication buckets, where each authentication bucket corresponds with a level of authentication. Some embodiments receive a request, from a user, to access a function; access the plurality of authentication buckets to determine which of the authentication buckets corresponds with the requested function; determine the level of authentication associated with the determined authentication bucket; determine which authentication types are associated with the level of authentication; request authentication credentials corresponding to the authentication types; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and, in response to the successful validation of the authentication credentials, enable access to the function requested by the user.
摘要翻译：实施例涉及用于将移动银行功能分类到认证桶中的系统，方法和计算机程序产品。对于多个移动银行业务中的每一个，实施例确定相应的验证桶，其中每个验证桶与认证级别相对应。一些实施例从用户接收到访问功能的请求; 访问所述多个认证桶以确定所述认证桶中的哪一个对应于所请求的功能; 确定与确定的认证桶相关联的认证级别; 确定哪些认证类型与认证级别相关联; 请求与认证类型相对应的认证凭证; 从用户接收认证凭证; 验证身份验证凭证，从而导致验证凭证成功验证; 并且响应于认证证书的成功验证，使得能够访问由用户请求的功能。

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