Bank of America Corporation

Mastercard International Incorporated

David M Grigg

Carrie Anne Hanson

Peter John Bertanzetti

Joseph Neil Johansen

Elizabeth Votaw

Charles Jason Burrell

Matthew Alexander Calman

Michael E Toth

Alicia C Jones

Richard Andrew Starbuck

Hood Qaim-Maqami

Laura Corinne Bondesen

Glenn M Grossman

Susan Smith Thomas

Marc B Keller

Alicia C Jones-McFadden

Scott Lee Harkey

Daniel Lynn Carpenter

Farhan Ahmed Siddiqi

David Reed Godsman

Michael Patrick Lynch

Patrick Brian Kelly

Carlos Vieira

Audrey L Longfellow

Tony England

Matthew Hsieh

Davindar S Gill

John Tuders

Sharon Scanlon

Jade Michelle Le Vo-Dinh

Kim Stittsworth

Katherine Dintenfass

Erik Stephen Ross

Nathan Dent

Adam Kenneth Hosp

Matthew K Bryant

Scott R Enscoe

David Colby Brown

Daniel David

Leo Kopelow

Darrell Johnsrud

Alexander C Wittkowski

Nicholas J Munson

Brett Newman

Marc Lance Warshawsky

Nicole Chen

Yameng Li

Nicholas Sharp

Michael W Upton

Don Cardinal

Darrell Fitzgerald Stanfield

Victor Lopes

Mark C Dolphin

Raja Bose

A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.

Systems and methods for managing financial payments between parties

Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user's location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

System for affecting appointment calendaring on a mobile device based on dependencies

Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's requirements.

System for facilitating appointment calendaring based on perceived customer requirements

Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.

User authentication by token and comparison to visitation pattern

Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.

Customer identification

Embodiments of the invention include systems, methods, and computer-program products for a clearing house for creating and directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using a created universal readable indicia, irrespective of the entities associated with the transaction. The invention may create and provide a universal readable indicia that may be read and/or scanned by any of a user, merchant, or vendor. Subsequently, upon scanning, the system may recognize the appropriate vendor associated with the scan, based on information about the user or merchant derived from the scan. As such, the invention may be able to convert the universal readable indicia to one or more indicia accepted by a vendor that may complete the transaction with the user and/or merchant.

System for creating and processing coded payment methods

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

Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.

Geolocation check-in system

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.

Determining user authentication based on user/device interaction

In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions. The user specific data may include the active user profile, prior payment vehicle usage, user preferences for the type of transaction, user location, rewards programs associated with use of one or more payment vehicles, or the like, or combinations thereof.

Mobile wallet payment vehicle preferences

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

Growing community of inventors

Rock Hill, SC, United States of America

David M Grigg