Daniel R Carpenter

US Patent:

20160171460, Jun 16, 2016

Filed:

Feb 4, 2016

Appl. No.:

15/016138

Inventors:

- Charlotte NC, US
Joseph Neil Johansen - Rock Hill SC, US
Michael E. Toth - Charlotte NC, US
Daniel Lynn Carpenter - Matthews NC, US
Hood Qaim-Maqami - Montclair NJ, US
Carrie Anne Hanson - Charlotte NC, US
Elizabeth S. Votaw - Potomac MD, US

International Classification:

G06Q 20/10
H04L 29/06

Abstract:

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.

US Patent:

20160155189, Jun 2, 2016

Filed:

Feb 4, 2016

Appl. No.:

15/016132

Inventors:

- Charlotte NC, US
Joseph Neil Johansen - Rock Hill SC, US
Michael E. Toth - Charlotte NC, US
Daniel Lynn Carpenter - Matthews NC, US
Hood Qaim-Maqami - Montclair NJ, US
Carrie Anne Hanson - Charlotte NC, US
Elizabeth S. Votaw - Potomac MD, US

International Classification:

G06Q 40/02
G06Q 20/10

Abstract:

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.

US Patent:

20150227724, Aug 13, 2015

Filed:

Feb 7, 2014

Appl. No.:

14/175956

Inventors:

- Charlotte NC, US
Joseph Neil Johansen - Rock Hill SC, US
Michael E. Toth - Charlotte NC, US
Daniel Lynn Carpenter - Matthews NC, US
Hood Qaim-Maqami - Montclair NJ, US
Carrie Anne Hanson - Charlotte NC, US
Elizabeth S. Votaw - Potomac MD, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06F 21/30
G06F 21/31

Abstract:

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.

US Patent:

20150229625, Aug 13, 2015

Filed:

Feb 7, 2014

Appl. No.:

14/175962

Inventors:

- CHARLOTTE NC, US
JOSEPH NEIL JOHANSEN - ROCK HILL SC, US
MICHAEL E. TOTH - CHARLOTTE NC, US
DANIEL LYNN CARPENTER - MATTHEWS NC, US
HOOD QAIM-MAQAMI - MONTCLAIR NJ, US
CARRIE ANNE HANSON - CHARLOTTE NC, US
ELIZABETH S. VOTAW - POTOMAC MD, US

Assignee:

BANK OF AMERICA CORPORATION - CHARLOTTE NC

International Classification:

H04L 29/06

Abstract:

Embodiments are directed to systems, methods and computer program products for assigning a level of authentication to an authentication bucket. Embodiments determine a current level of authentication corresponding to a first authentication bucket comprising a plurality of mobile banking functions; collect a set of circumstantial data corresponding with the apparatus; determine a circumstances score based at least in part on the set of circumstantial data; and determine whether the current level of authentication corresponding to the first authentication bucket is appropriate based at least in part on the circumstances score.