Bank of America Corporation

Graham Marshall Wyllie

Katherine Dintenfass

Victoria Lynn Dravneek

Heather Roseann Dolan

Willard H Waldron, Iii

Kenneth A Kaye

Elizabeth Votaw

Michael Ogrinz

Cameron Darnell Wadley

Jisoo Lee

Christopher Lamont Rice

Manu Jacob Kurian

Timothy Mark

Benjamin Porter

Gregory Hugh Gunn

A processor receives global positioning system data from a mobile device of a user of an account. The processor further receives information from a vendor, indicating that a transaction using the account was attempted. The processor determines, based on historical transaction and location information, and current transaction information, a probability that the transaction is fraudulent. In response, the processor rejects the transaction, and deactivates a card and mobile wallet of the user. The processor also sends a notification to the mobile device requesting a voice confirmation. The processor receives the voice confirmation, splits it into a set of voice characteristic data and determines, based on voice characteristic data stored in memory, that the voice confirmation was generated by the user. In response, the processor reactivates the card and the mobile wallet and stores a set of information describing the transaction in memory.

Security tool

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

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives available offers for the user from the server, and presents the available offers as virtual objects overlaid with the products in the cart.

Virtual assessments using augmented reality user devices

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene and a camera. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.

Object recognition and analysis using augmented reality user devices

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies a business from an image. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image, performs object recognition on the image to identify the business, and generates a location identifier identifying the business. The virtual assessment engine sends a token with the user identifier and the location identifier to a remote server, receives geolocation notifications for the user from the server, and presents the geolocation notifications as virtual objects overlaid with a real scene.

Geolocation notifications using augmented reality user devices

A memory stores a list of identifiers. A processor receives a notification from a card user indicating that the card user is missing a card. The card includes a transmitter configured to broadcast a transmission including a card identifier. The processor adds the card identifier to the list of identifiers. The processor receives messages from mobile devices that received the transmission, including the card identifier from the transmission and locations of the mobile devices. In response to receiving the messages, the processor determines that the list of identifiers contains the card identifier. The processor further determines, based on the locations of the mobile devices, a location of the card and sends the location of the card to a mobile device of the card user.

Card locating tool

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.

An augmented reality system that includes an augmented reality user device for a first person including a head-mounted display configured to overlay virtual objects onto tangible objects in real-time, a memory, a camera, and one or more processors. The augmented reality user device is configured to perform facial recognition on the captured image to identify a face of the second person, to identify an entry for the second person, and to initiate a peer-to-peer transfer when the entry for the second person has been identified. The augmented reality user device is further configured to authenticate the identify of the second person, to generate a transfer token for facilitating the peer-to-peer transfer, and to send the transfer token to a first institution associated with the first person to initiate the peer-to-peer transfer. A network device of the first institution is configured to receive the transfer token and facilitate the peer-to-peer transfer.

Facilitating digital data transfers using augmented reality display devices

Some aspects as disclosed herein are directed to, for example, a system, non-transitory computer readable medium, and method comprising receiving, at a computing device, a selection of an activity for a user to perform. The computing device may determine an estimated amount of time to complete the activity. A token for the activity may be generated, and generating the token may comprise initiating a timer for the activity. The computing device may determine a position of the user within a building location. Based on the timer and the position of the user, the computing device may determine that an amount of time to complete the activity is predicted to exceed the estimated amount of time to complete the activity by a threshold amount of time. In response to determining that the amount of time to complete the activity is predicted to exceed the estimated amount of time to complete the activity by the threshold amount of time, a notification may be generated, the notification indicating that the amount of time to complete the activity is predicted to exceed the estimated amount of time to complete the activity by the threshold amount of time. The notification may be sent to at least one of a mobile device associated with the user or an assistant's computing device at the building location.

Growing community of inventors

Charlotte, NC, United States of America

Graham Marshall Wyllie