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21. 发明授权

US09391990B2 User authentication based on self-selected preferences 有权
标题翻译：基于自选择偏好的用户认证
公开(公告)号：US09391990B2
公开(公告)日：2016-07-12
申请号：US15047336
申请日：2016-02-18
申请人： BANK OF AMERICA CORPORATION
发明人： David M. Grigg , Joseph Neil Johansen , Carrie Anne Hanson , Charles Jason Burrell , Elizabeth S. Votaw
IPC分类号： G06F7/04 , G06F15/16 , G06F17/30 , H04L29/08 , H04L29/06
CPC分类号： H04L63/08 , G06F21/31 , H04L63/0876 , H04L63/10
摘要： Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences. The system typically including a memory, a processor, and a module configured to receive a request to execute a user action from a user associated with an application, wherein the user action requires one or more authentication credentials; receive one or more authentication credentials from the user based on a user-selected preference; validate the one or more authentication credentials based on the user-selected preference; and execute the user action based on a successful validation of the one or more authentication credentials.
摘要翻译：本发明的实施例涉及一种用于基于自选择的偏好的用户认证的系统，方法和计算机程序产品。该系统通常包括存储器，处理器和被配置为从与应用相关联的用户接收执行用户动作的请求的模块，其中用户动作需要一个或多个认证证书; 基于用户选择的优先级从用户接收一个或多个认证凭证; 基于用户选择的优先级验证一个或多个认证凭证; 并且基于一个或多个认证凭证的成功验证来执行用户动作。

22. 发明授权

US09390453B2 Activity list filters for a financial and social management system 有权
公开(公告)号：US09390453B2
公开(公告)日：2016-07-12
申请号：US15047573
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
CPC分类号： G06Q40/12 , G06F3/0482 , G06F3/04842 , G06F17/30601 , G06F17/30867 , G06F17/3087 , G06Q40/00 , G06Q40/02 , 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, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities based on the location, social relationship, entity, category, or other activity information and display the activities and activity information in customized interfaces.

23. 发明申请

US20160173497A1 USER AUTHENTICATION BASED ON SELF-SELECTED PREFERENCES 有权
公开(公告)号：US20160173497A1
公开(公告)日：2016-06-16
申请号：US15047336
申请日：2016-02-18
申请人： BANK OF AMERICA CORPORATION
发明人： David M. Grigg , Joseph Neil Johansen , Carrie Anne Hanson , Charles Jason Burrell , Elizabeth S. Votaw
IPC分类号： H04L29/06
CPC分类号： H04L63/08 , G06F21/31 , H04L63/0876 , H04L63/10
摘要： Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences. The system typically including a memory, a processor, and a module configured to receive a request to execute a user action from a user associated with an application, wherein the user action requires one or more authentication credentials; receive one or more authentication credentials from the user based on a user-selected preference; validate the one or more authentication credentials based on the user-selected preference; and execute the user action based on a successful validation of the one or more authentication credentials

24. 发明申请

US20160171460A1 SORTING MOBILE BANKING FUNCTIONS INTO AUTHENTICATION BUCKETS 有权
公开(公告)号：US20160171460A1
公开(公告)日：2016-06-16
申请号：US15016138
申请日：2016-02-04
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： G06Q20/10 , H04L29/06
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.

25. 发明申请

US20160055326A1 DETERMINING USER AUTHENTICATION BASED ON USER/DEVICE INTERACTION 有权
标题翻译：基于用户/设备交互确定用户认证
公开(公告)号：US20160055326A1
公开(公告)日：2016-02-25
申请号：US14928332
申请日：2015-10-30
申请人： BANK OF AMERICA CORPORATION
发明人： Elizabeth S. Votaw , Alicia C. Jones-McFadden , David M. Grigg , Peter John Bertanzetti , Michael E. Toth , Carrie Anne Hanson
IPC分类号： G06F21/31 , G06F21/45
CPC分类号： G06F21/316 , G06F21/45 , G06F2221/2113 , H04L63/08 , H04L2463/082
摘要： Embodiments are directed to systems, methods and computer program products for providing user authentication based on historical user patterns. Embodiments of the present invention may be configured to communicate code executable by a computing device that causes the computing device to monitor user patterns of a user based on the user interacting with the computing device; receive baseline user patterns to identify the user; identify, from the baseline user patterns, one or more routine actions performed by the user operating the computing device; receive a request to perform a transaction, wherein the transaction is associated with a level of security that must be authenticated; receive identification user patterns of the user based on the user interacting with the computing device; determine a threshold score based on comparing the identification user patterns with the baseline user patterns; and alter the level of security.
摘要翻译：实施例涉及用于基于历史用户模式提供用户认证的系统，方法和计算机程序产品。本发明的实施例可以被配置为传送可由计算设备执行的代码，其使得计算设备基于与计算设备交互的用户来监视用户的用户模式; 接收基准用户模式以识别用户; 从所述基准用户模式识别由所述用户操作所述计算设备执行的一个或多个例行动作; 接收执行事务的请求，其中所述事务与必须被认证的安全级别相关联; 基于与计算设备交互的用户接收用户的识别用户模式; 通过将识别用户模式与基准用户模式进行比较来确定阈值分数; 并改变安全级别。

26. 发明申请

US20150229622A1 SHUTTING DOWN ACCESS TO ALL USER ACCOUNTS 有权
标题翻译：切断所有用户帐户的访问
公开(公告)号：US20150229622A1
公开(公告)日：2015-08-13
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
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).
摘要翻译：公开了一种系统和相关联的方法或者通过一个或多个帐户访问信道来限制对用户帐户的访问。系统通常包括存储在存储器中的处理器，存储器和访问限制模块。该模块通常被配置为：将与用户帐户相关联的一个或多个帐户访问通道与访问限制过程集成; 接收来自用户的请求以实现访问限制过程; 基于接收到来自用户实施访问限制过程的请求，实现访问限制过程，其中实现访问限制过程包括通过帐户访问频道限制对用户帐户的访问。

27. 发明申请

US20150227879A1 SPECIALIST PRESENTATION USING A SOCIAL NETWORKING ACCOUNT 审中-公开
标题翻译：使用社交网络帐户进行专访
公开(公告)号：US20150227879A1
公开(公告)日：2015-08-13
申请号：US14175041
申请日：2014-02-07
申请人： Bank of America Corporation
发明人： Peter John Bertanzetti , Kevin T. Cole , Carrie Anne Hanson , Elizabeth S. Votaw , Joseph Neil Johansen
IPC分类号： G06Q10/06 , G06Q50/00
CPC分类号： G06Q10/063112 , G06Q50/01
摘要： Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialists with the user. At least one condition used to match the specialist with the user is the social networking contacts of the user that have a relationship with the specialists. Additional conditions may include, but are not limited to, locations of the user and specialists, social networking profile information of the user and specialists, or other like account profile information for the user and specialists.
摘要翻译：本发明的实施例提供了一种从机构向用户呈现专家的专家呈现工具。可以基于用户采取动作时发生的触发或者当对用户帐户采取行动时，向用户呈现专家。确定一个或多个专家向满足触发器的一组专家向用户呈现可以基于与专家与用户相匹配的一个或多个条件。用于与用户匹配的至少一种条件是与专家有关系的用户的社交网络联系人。附加条件可以包括但不限于用户和专家的位置，用户和专家的社交网络简档信息，或用户和专家的其他类似的帐户简档信息。

28. 发明申请

US20150088915A1 ACTIVITY LIST FILTERS FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM 有权
标题翻译：财务和社会管理系统的活动清单过滤器
公开(公告)号：US20150088915A1
公开(公告)日：2015-03-26
申请号：US14032686
申请日：2013-09-20
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： G06F17/30 , G06Q50/00
CPC分类号： G06Q40/12 , G06F3/0482 , G06F3/04842 , G06F17/30601 , G06F17/30867 , G06F17/3087 , G06Q40/00 , G06Q40/02 , 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, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities based on the location, social relationship, entity, category, or other activity information and display the activities and activity information in customized interfaces.
摘要翻译：本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，联系人列表，日历等，并将活动信息和图像与活动相关联。财务和社会管理系统可以从各种信息来源确定位置，社会关系，实体，类别等，并且使用位置标签，社会关系标签，实体标签，类别标签等标记活动。标签允许用户根据位置，社会关系，实体，类别或其他活动信息轻松过滤活动，并在定制界面中显示活动和活动信息。

29. 发明申请

US20150088714A1 ACTIVITY LIST LINKED WITH RECEIPTS FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM 审中-公开
标题翻译：与财务和社会管理系统接收的活动清单
公开(公告)号：US20150088714A1
公开(公告)日：2015-03-26
申请号：US14032602
申请日：2013-09-20
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： G06Q50/00
CPC分类号： G06Q50/01 , G06Q40/02
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 parse activity information from the e-receipts and associate the activity information from the e-receipts with the corresponding activities. The financial and social management system may be able to identify activity information in the e-receipts related to the products and costs within the transaction, a time associated with the transaction, as well as the actual location associated with the transaction, or other activity information described herein.
摘要翻译：本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，位置确定设备等，并且将活动信息和图像与活动相关联。财务和社会管理系统可以从电子收据中解析活动信息，并将电子收据中的活动信息与相应的活动相关联。财务和社会管理系统可能能够识别与交易内的产品和成本有关的电子收据中的活动信息，与交易相关联的时间以及与交易相关联的实际位置或其他活动信息在此描述。

30. 发明申请

US20150088712A1 ACTIVITY LIST ENHANCED WITH IMAGES FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM 有权
标题翻译：活动列表增强了财务和社会管理系统的图像
公开(公告)号：US20150088712A1
公开(公告)日：2015-03-26
申请号：US14032537
申请日：2013-09-20
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： G06Q50/00 , G06K9/64 , G06F17/30 , G06Q40/00
CPC分类号： G06Q50/01 , G06F17/30247 , G06Q40/00
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, contact lists, stored database images, images over the Internet, and the like, and associates the activity information and images with the activities. The financial and social management system may determine images for other users associated with an activity of a first user by identifying tag users in a social networking account of the first user or contacts in a social networking account of the first user that participated in activities at the same time or locations as the activities of the first user.
摘要翻译：本发明的实施例包括用于财务和社会管理系统的系统，计算机程序产品和方法，其提供与用户进入活动的方式，位置，时间和位置相关的改进的跟踪和管理。财务和社会管理系统从各种信息来源捕获活动信息和图像，包括但不限于社交网络帐户，电子收据，联系人列表，存储的数据库图像，因特网上的图像等，并且将活动信息和图像与活动。财务和社会管理系统可以通过识别第一用户的社交网络帐户中的标签用户或参与在第一用户的活动的第一用户的社交网络帐户中的联系来确定与第一用户的活动相关联的其他用户的图像与第一个用户的活动相同的时间或位置。

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