Bank of America Corporation

Charles Jason Burrell

Carrie Anne Hanson

David M Grigg

Joseph Neil Johansen

Elizabeth Votaw

Peter John Bertanzetti

Michael E Toth

Alicia C Jones

Hood Qaim-Maqami

Michael Patrick Lynch

John Allen Sellers

Tony England

Justin Riley DuPont

Christina Ann Lillie

Michael Robert Hasslinger

Device display screen with graphical user interface for payments

Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.

System for recurring auxiliary resource distribution

Systems, computer program products, and methods are described herein for predictive resource access within a technical environment. The present invention is configured to initiate a resource monitoring engine on a resource procurement profile associated with a user; receive information associated with one or more resources accessed by the user over a predetermined past period of time; receive information associated with one or more user characteristics associated with the user; initiate one or more machine learning algorithms on the one or more resources and the information associated with one or more user characteristics; generate, using the one or more machine learning algorithms, a forecasting model configured to predict one or more future resources accessible to the user at a predetermined future time; and initiate a resource transformation engine on the one or more future resources predicted to be accessible to the user at the predetermined future time.

System for predictive resource access within a technical environment

Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for function requiring authentication based on determining a location along an authentication continuum. The location along the authentication continuum defines the degree of authentication/credentials required to access the function and is determined based on a current state of the user and/or function attributes. The more or less that is known about the current state of the user the more or less likely the user is the user that is attempting to access the function and, thus, the authentication requirements required to access the function can be adjusted according (increased or decreased).

Determining user authentication requirements along a continuum based on a current state of the user and/or the attributes related to the function requiring authentication

Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to predetermined boundaries of location that have altered authentication requirements, in the form of, increased or decreased authentication requirements/credentials that differ from the standard authentication requirements.

Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements

Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to known boundaries of location associated with the user, such as patterns of movement or the like. As such, the present invention serves to expedite the process for authenticating a user who desires to gain access to a network service, such as a banking application or the like.

Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location

Embodiments of the invention are directed to a system, method, and a computer program product self-selected user access based on specific authentication types. The system typically including a memory, a processor, and a module configured to receive from a user, a user-selected preference, wherein the user-selected preference comprises one or more authentication types desired by the user; determine a level of authentication from a plurality of levels of authentication are associated with the one or more authentication types associated with the user-selected preference; initiate the presentation of a user interface that enables the user to select one or more application functions, wherein the one or more application functions are associated with the determined level of authentication; receive from a user, a selection of one or more application functions.

Self-selected user access based on specific authentication types

Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located.

Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device

Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.

User authentication based on FOB/indicia scan

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.

Growing community of inventors

Middleburg, FL, United States of America

Charles Jason Burrell