Bank of America Corporation

Eric William Miller

Clay D Newton

Pavan K Chayanam

David Charles Shroyer

Todd Inskeep

James M Ashfield

Jason P Blackhurst

Matthew Laine Donlan

Michael W Upton

Karen Choy

Jessica Lynn Brandt

Aaron Daniel Lewis

Sabrena Boyd

Ioanis Nikolaou

Carrie Sumlin

Tanja Castor

Brian R Jones

Consistent one-time password (OTP) functionality is provided from a presentation server to secure various on-line resources. A seed file can be provided to or created by a service provider for execution as part of a hosted page displayed at a client to a user. A presentation server receives a call from the seed file. A user interface widget can be initialized at the presentation server in response to the call from the seed file. The widget can be displayed as part of the remotely hosted Web page so that the user perceives the UI widget to be embedded in the page as viewed on the client computer system. Security for the interaction between the servers can be provided through use of security assertion markup language (SAML).

Remote provision of consistent one-time password functionality for disparate on-line resources

A reusable authentication component may be integrated into a web page to communicate with an authentication server and authenticate a user to the web page. The reusable authentication component may implement a complex authentication process, including multiple user interfaces to receive multiple assurances of user identity and user confirmation of previously stored mutual authentication data. The authentication process may be performed by the authentication component without refreshing or redirecting the parent web page until completion of a successful user authentication, after which the parent web page may receive authentication data and refresh to provide user specific and/or secure user data on the web page.

Reusable authentication experience tool

Embodiments of the invention provide for methods, apparatuses, and computer program products for providing a financial institution check-out system for processing online transactions using a customer's pre-existing online financial institution profile. A customer desiring to checkout from an online vendor's electronic marketplace is given a choice to checkout using a financial institution's secure checkout widget, which is rendered alongside the customer computer system's web browser application by a financial institution server. The widget authenticates the customer as a financial institution account owner, and the financial institution server displays to the customer his or her available payment accounts and receives customer input regarding the desired payment account. The server runs a payment service engine that controls payment for the transaction, and then the widget communicates proof of successful payment to the vendor server. The vendor server receives payment confirmation from the financial institution server and thereafter communicates successful payment confirmation to the customer via the vendor's checkout interface.

Online financial institution profile electronic checkout

Embodiments of the invention provide systems, methods, and computer program products for an online safety deposit box inventory management system. A customer may securely log into the customer's bank accounts and add or delete safety deposit boxes to a list of safety deposit boxes that the customer owns. The customer may select a box to view and add or delete items that the customer has in the selected box. The customer may also edit the description, type, date, etc. of items that the customer already has listed in the box. In keeping a list of the items that the customer has in each safety deposit box the customer may keep an up-to-date record of the contents of each box for the customer's estate in case the customer passes away or simply in order to have a back up copy in case something happens to a paper copy.

Online safety deposit box inventory system

A method and system employed to enroll a customer into an online banking system. In one example, a customer may submit enrollment information and may request a customer identification name and passcode. In response, an online banking profile may be created and logged into for the customer, and a demonstration on how to use the features of the online banking service may be launched. After completing the demonstration, the customer's online banking session may be logged off.

Enrollment into an online banking system

Techniques for notifying customers when an outage of an eCommerce system has been resolved are disclosed. An e-commerce on-line platform detects the functional outage of a transaction entity when customers are trying to access an associated service from the transaction entity. Consequently, customers are routed to an outage web page, where customers are requested to provide contact information. When the functional outage is resolved, customers are notified using the contact information. Contact information may be the e-mail address or the phone number of the customer. A contact list is formed and a batch of notification requests is sent by an eCommerce on-line platform through an alerting vendor for notifying customers when a functional outage has been resolved. Notification requests may be partitioned into a plurality of batches so that customers are alerted in waves for controlling traffic on the associated transaction entity.

eCommerce outage customer notification

Growing community of inventors

Issaquah, WA, United States of America

Eric William Miller