Kenneth B Norris

US Patent:

20150193781, Jul 9, 2015

Filed:

Jan 7, 2014

Appl. No.:

14/149003

Inventors:

- Charlotte NC, US
John F. Zemaitis - Charlotte NC, US
Kenneth B. Norris - Midland NC, US
Michael E. Toth - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 30/00

Abstract:

According to certain embodiments of the disclosure, a system receives a request from a user device to conduct an activity with an enterprise and determines an authentication level associated with the activity. The system receives information associated with the user from a plurality of disparate channels and calculates a risk score associated with the user based on the received information associated with the user. The system generates a token based on the authentication level and risk score and communicates the token to the user device.

Address:

2200 Sossoman Spg Rd, Midland, NC 28107

Phone:

7042627829

VIN:

5HABE24227N003095

Make:

Saturn

Model:

Outlook AWD 4dr XR

Year:

2007