Bank of America Corporation

Wells Fargo Bank, N.a.

Elizabeth Votaw

Carrie Anne Hanson

Matthew Alexander Calman

David M Grigg

Katherine Dintenfass

Joseph Neil Johansen

Alicia C Jones

Charles Jason Burrell

Andrew T Keys

Laura Corinne Bondesen

Candice Michelle Jones

Charles Karim Aweida

Parker Holt Bossier

Rebecca A Chen

Nandhita Kumar

Min Zhao

Michael E Toth

Hood Qaim-Maqami

Xianhong Zhang

Peter John Bertanzetti

Daniel Lynn Carpenter

Rajat Agrawal

Wanwen Han

Su Liu

Cameron Jungeun Park-Hur

Nir Rachmel

Alicia C Jones-McFadden

Stephen Thomas Shannon

James Alexander

David J Smiddy

Apeksh M Dave

Michael Patrick Lynch

Lynn Streja

Cameron Darnell Wadley

James Robert Grimsley

Mark A Pender

Fnu Sidharth

Manu Jacob Kurian

Victoria Lynn Dravneek

Kapil Pruthi

Debashis Ghosh

Michael Ogrinz

Jisoo Lee

William Blakely Belchee

Ashish Arora

Graham Marshall Wyllie

Wenhui Meng

James Heddleson

Michelle Davis Nichols

Todd Atwood

Jonathan Austin Hartsell

Daniel Sanford

James P Scopis

Ray G Redwood

Kalyan V Pasumarthi

Hendrick Helton Ellis

Nanie Lee

Karen Garnett

F N U Sidharth

Craig Douglas Widmann

William August Stahlhut

Scott Anderson Sims

Morgan Stewart Allen

James J Siekman

Glenn M Grossman

Daralyn Marie Nicholson

Felix A Mon

Peter K Buchhop

Robert B Walker

Kimberly Belle Summerrow

Krsto Sitar

Anne Bradford Fyk

Marc B Keller

Jeffery B Schroeder

Patrick Brian Kelly

Don Cardinal

Clement Mazgelis

Orlando O Atienza

Jim L Jenkins

Kevin Perry

Aaron R Leinker

Steve Crowley

Lin Streja

Marcia T Jordan

Melissa L Loafman

Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Enhanced accessibility using wearable computing devices

Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes, responsive to verification of an identity of an adult associated with the minor, receiving, by a provider institution computing system of a provider institution, information relating to the minor from a minor computing device associated with the minor, and scraping, by the provider institution computing system, data from one or more social media profiles associated with the adult. The method includes comparing, by the provider institution computing system, the scraped data to information from the adult regarding the minor, and in response to a match, remotely verifying, by the provider institution computing system, the identity of the minor based on the information relating to the minor, such that the account for the minor is authorized to be opened at the provider institution.

Systems and methods for digitally knowing and verifying youths

Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes receiving, by a financial institution computing system associated with the financial institution, a request from an adult computing device associated with the adult to open the account; remotely verifying, by a verification circuit, an identity of the adult based on received information regarding the adult; receiving, by the financial institution computing system, information relating to the minor from a minor computing device associated with the minor; remotely verifying, by the verification circuit, the identity of the minor based on the received information relating to the minor; and opening, by an account opening circuit associated with the financial institution computing system, an account on behalf of the minor.

Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.

Linking channel-specific systems with a user authentication hub to provide omni-channel user authentication

Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.

A system for configuring and executing a secure communication network for authorizing access to safeguarded resources is provided. In particular, the system uses person-to-person (P2P) authentication technology to securely transmit resources between users. In this way, an efficient way to for users to manage resources is provided.

Person-to-person network architecture for secure authorization and approval

Method and apparatus for allowing the changing of security values and consent data is provided. The security values allow for dynamically changing the security level and ease of access associated with performing specific transactions on specific accounts. The consent data may be pushed or pulled and when stored, may be used for future transactions, of both the same or a different type. The changing of security levels and consent data may be accomplished over the internet using mobile devices over both secure and non-secure networks.

Document orchestration system for processing digital consent information

An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. The physical identification verification engine receives biometric data for a witness and confirms the witness's identity. The display displays a gesture motion from the signor. The gesture capture engine captures a gesture motion from the witness. The gesture capture engine generates a witness digital signature based on the captured gesture motion from the witness. The gesture capture engine generates a witness transfer token, the witness transfer token comprising the witness digital signature based on the captured gesture from the witness and the witness identity confirmation token. The interface communicates the witness transfer token to a server.

Remote document execution and network transfer using augmented reality display devices

A method for enhancing customer authentication and consent for finalizing an offer to a customer of a product and/or a service is provided. The method may include using a first receiver to receive an authentication request from an initiator. The authentication request may include a customer name and a customer phone number. The method may also include using a first processor to generate a pin number and transmit the pin number to the customer phone number. The pin number may include an identifier associated with the product and/or service. The method may further include using a second receiver, included in a mobile phone, to receive the pin number, and using a second processor, included on the mobile phone, to authenticate the pin number. The authentication may include verifying a match between the customer phone number and a mobile phone number associated with the mobile phone.

Dynamic digital consent

Method and apparatus for a system to harden digital consents. The system uses an evaluation of geographic locations, transaction times, and device identities to control the upload of consent data. Evaluations occur using numerous techniques including MAC address evaluation, IP address evaluation, meta-data evaluation, and physical location of restricted equipment such as ATMs and kiosks. Reliability of consent data entered into the system may be enhanced by strictly evaluating geographic locations, transaction times, and/or device identities.

Systems and methods leverage metadata to pin a digital consent to a particular customer. Metadata may include any information known about the customer. The systems and methods correlate the metadata with metadata gathered during the consent process. Metadata gathered during the consent process may include mobile phone profiles, biometrics, social-media attributes, etc. The systems and methods may utilize metadata to authenticate contemporaneously with obtaining consent. A browser-based tool may enable customers to use their mobile device to 'sign' for their consent by clicking yes/no or other electronic selection. Such a tool may tie a customer's 'consent' to their respective Party ID. This enables and preserves an after-the-fact record the customer has received, and consented to, the proper disclosures. The customer may receive a one-time authorization code transmitted to their mobile device which they enter into the website to ensure that this is truly their device while they provide consent.

Frictionless hardening of digital consent

Growing community of inventors

Potomac, MD, United States of America

Elizabeth Votaw