Bank of America Corporation

Davindar S Gill

Sharon Scanlon

Carrie Anne Hanson

Eileen D Bridges

David M Grigg

Abdulkader Omar Barbir

Therese Humburg Willis

Peter K Buchhop

Lekha Ananthakrishnan

Lawrence Robert Labella

Francis George Farro, Ii

Craig Worstell

Alicia C Jones

Krsto Sitar

Anne Bradford Fyk

Russell B Lewis

Don Cardinal

Kim Stittsworth

Anuradha Rangarajan

Margie Skiljan

Tim M Edwards

Pete Bertanzetti

William J Riley

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

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, a signal emitted from a beacon may be detected by a personal computing device of a user within a predefined proximity of the beacon. The location of the beacon, and the device detecting the signal, may be determined and the identity of the user associated with the device may be determined. Authentication information may be requested from the user. The request for authentication information may be transmitted to the personal computing device and the user may provide the authentication information via the device. If the received authentication information matches pre-stored authentication information, the user may be authenticated and/or authorized to conduct one or more transactions or types of transactions based on the determined location, identity, and authentication information.

User authentication

Methods and systems for providing navigation functionality in a retail location using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may generate one or more navigation instructions to guide the customer to another location. Then, the computing platform may send the one or more navigation instructions to the customer computing device.

Providing navigation functionality in a retail location using local positioning technology

Methods and systems for predicting and responding to customer needs using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may determine one or more predicted needs of the customer. Then, the computing platform may generate a notification based on the predicted needs of the customer and may send the notification to the customer computing device.

Predicting and responding to customer needs using local positioning technology

Aspects of the present disclosure are directed to methods and systems for securing mobile computing applications with distributed keys. In one aspect, a computer implemented method or computer readable media include steps electronically receiving, at a computer processor of a computing device, a first security key fragment based on a user input to the computing device; electronically receiving, at the computer processor, a second security key fragment from a network connected storage entity; and electronically concatenating, at the computer processor, the first security key fragment and the second security key fragment to generate a third security key.

Method of securing mobile applications using distributed keys

Aspects of the present disclosure pertain to system and method of securing mobile devices using virtual certificates at a computer processor. A method may include receiving a request for access to a computer network associated with a computing device to an application associated with a network connected server processor; electronically receiving, at the server processor, a first security key fragment from the computing device; the first security key fragment being paired with a verifier key fragment unknown to the computing device; generating a conditional seed key fragment at the server processor associated with the verifier key fragment; comparing a first hash parameter to a second hash parameter at the server processor; transmitting, at the server processor, a session security key for enabling network access to the application associated with the server processor.

Secure remote password

Systems and methods for using proximity positioning systems to determine an identity and location of a user, and process a pre-staged transaction based on the determined information are provided. In some examples, a transaction may be initiated by a user. A financial institution may pre-process the transaction and, upon establishing a physical presence of the user at a banking center, may further process and/or complete the transaction. The physical presence of the user may be established based on a signal from a location beacon at the banking center being detected by a personal computing device of the user. Because the personal computing device is within a predefined proximity of the location beacon in order to detect the signal, the location of the location beacon, and, thus the personal computing device may be determined, and an identity of the user may be determined.

Processing of pre-staged transactions

A system includes a memory and processor. The memory stores a user account identifier associated with a user account. The processor receives at least one user credential and authenticates the user account based at least in part on the at least one user credential. The processor further receives a first request, from a device associated with the user account, to generate a one-time password and generates the one-time password in response to receiving the first request. The processor associates the one-time password to the user account and communicates the one-time password to the device associated with the user account. The processor further receives a second request, from a transaction device, the second request comprising an attempted one-time password, determines whether the attempted one-time password is valid, and communicates, to the transaction device, an indication that the attempted one-time password is valid in response to determining that the attempted one-time password is valid.

System and method for cross-channel authentication

A system may include a memory and processor. The memory may store a user account identifier associated with a user account. The processor may be able to receive at least one user credential and authenticate the user account based at least in part on the at least one user credential. The processor may also receive a first request, from a device associated with the user account, to generate a one-time password and generate the one-time password in response to receiving the first request. The processor may associate the one-time password to the user account and communicate the one-time password to the device associated with the user account. The processor is further able to receive a second request, from a transaction device, the second request comprising an attempted one-time password, determine whether the attempted one-time password is valid and communicate, to the transaction device, an indication that the attempted one-time password is valid in response to determining that the attempted one-time password is valid.

A mobile implementation channel enables secure mobile customer alerts, content delivery, event and location awareness and context integration that can be leveraged across multiple lines of business using basic interfaces. Pushed documents may be processed by an application executing at a mobile device in a secure manner. An alert indication may be sent to the mobile device when the documents are available. The documents may then be downloaded over a secure channel if the user affirmatively responds to the alert indication and may be further encrypted and stored in an application file store. The user may subsequently select one of the documents from a document list so that the selected document may be decrypted and displayed. The stored documents in the application file store may be deleted if the operating system has been compromised, the user is not associated with a business, or the user device is lost or stolen.

Integration of different mobile device types with a business infrastructure

Electronic content is routed and stored within an enterprise, in which a distributed service-oriented architecture platform is provided to seamlessly route and store content to heterogeneous enterprise content repositories. Dynamic content may be stored, retrieved and queried in real-time through a content service bus (CSB), thus eliminating the need to have point-to-point connectivity between client applications and the destination repositories, while supporting the flexibility to consolidate multiple platforms with minimal impacts to clients. The CSB framework may incorporate underlying technologies, including Web services, intelligent routing based on content, message transformation, and federation of content. A request may be routed to the appropriate content repository based on attached content or metadata in the request and transformed by the CSB to a format required by the determined content repository. The requestor is subsequently provided a response from the content repository in a consistent manner for all of the content repositories.

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Long Grove, IL, United States of America

Davindar S Gill