Bank of America Corporation

Wells Fargo Bank, N.a.

Joseph Neil Johansen

David M Grigg

Carrie Anne Hanson

Charles Jason Burrell

Elizabeth Votaw

Michael E Toth

Peter John Bertanzetti

Hood Qaim-Maqami

Manu Jacob Kurian

Michael Ogrinz

Heather Roseann Dolan

Amanda Jane Adams

William P Jacobson

Daniel Lynn Carpenter

Farhan Ahmed Siddiqi

David Reed Godsman

Alicia C Jones-McFadden

Alicia C Jones

Michael Patrick Lynch

Christian P Krobisch

Leonardo E Gonzalez

Patrick L Wilde

Katherine Dintenfass

Victoria Lynn Dravneek

Willard H Waldron, Iii

Anthony David Guido

Darryl C Goebel

Various examples described herein are directed to systems and methods for generating a financial account statement. First financial data associated with a first financial account statement for a customer is received, Second financial data associated with a second financial account statement for the customer is received. The first financial data may be from an earlier financial account statement. Changes between the first financial data and the second financial data are determined. Highlighted changes to augment based on preferences of the customer and the determined changes are determined. Content associated with the highlighted changes is determined. The second financial account statement is created based on the second financial data. The content associated with the highlighted changes is linked in the second financial account statement.

Personalized financial account statement

A system for performing authorization of a user in an augmented reality environment comprises an augmented reality user device, an automatic teller machine, and an authentication server. The automatic teller machine has a keypad with unmarked buttons. The augmented reality user device includes a display configured to overlay virtual objects onto a field of view of a user. The augmented reality user device receives a virtual keypad overlay, which assigns values to the unmarked buttons of the keypad. Using the overlay, the augmented reality user device displays the assigned values on the buttons of the keypad. The automatic teller machine detects an input sequence entered on the keypad and sends the input sequence to the authentication server. The authentication server determines an authentication code by combining the input sequence with the virtual keypad overlay, and compares the determined authentication code with an authentication code stored in a database.

Augmented reality dynamic authentication

A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.

Augmented reality dynamic authentication for electronic transactions

Various examples described herein are directed to systems and methods for generating a financial account statement. First financial data associated with a first financial account statement for a customer is received. Second financial data associated with a second financial account statement for the customer is received. The first financial data may be from an earlier financial account statement. Changes between the first financial data and the second financial data are determined. Highlighted changes to augment based on preferences of the customer and the determined changes are determined. Content associated with the highlighted changes is determined. The second financial account statement is created based on the second financial data. The content associated with the highlighted changes is linked in the second financial account statement.

A system for performing authorization of a user in a virtual reality environment includes a virtual reality user device. The virtual reality user device includes a display configured to display a virtual environment. The user device receives a virtual authentication object comprising a virtual representation of an object that the user can manipulate to enter an authentication code. The user device detects gestures performed by the user on the displayed virtual authentication object and forms an authentication request, which includes the virtual authentication object, the detected gestures; and an identifier of the user. The user device sends the authentication request to an authentication server. The authentication server determines an authentication code using the virtual authentication object and the detected gestures. The authentication server authenticates the user by comparing the determined authentication code with an authentication code stored in a database and sends an authentication response to the user device.

Virtual reality dynamic authentication

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene and a memory storing scenarios for a user. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine identifies a user identifier for the user and executes a scenario for the user. The virtual assessment engine identifies actions performed by the user related to the scenario. The virtual assessment engine sends a token with the user identifier and user action information to a remote server and receives information for the user from the server. The virtual overlay engine presents the information as virtual objects overlaid with the real scene.

Virtual behavior training using augmented reality user devices

An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine identifies a user identifier for the user and generates a target profile based on information from a user. The virtual assessment engine generates a token that includes the user identifier and the target profile and sends the token to a remote server and receives information for the user from the server. The virtual overlay engine presents the information as virtual objects overlaid with the real scene.

Real world gamification using augmented reality user devices

An augmented reality system includes a central server, a local server an augmented reality user device. The central server includes account information for a customer and institution information. The institution information includes employee specialty data and employee office data. The local server includes location information for the customer and a plurality of employees. The augmented reality user device displays account information and displays a location of one of the employees.

Facilitating dynamic across-network location determination using augmented reality display devices

Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; receive social network financial information, the social network financial information comprising financial information associated with other customers; compare the customer's financial information to the social network financial information; present a comparison of the customer's financial information to the social network financial information.

Streamlining application using a social network platform

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 a system, method, or computer program product for assessing network authentication requirements based on situational instance. In this regard, the invention dynamically determines specific user authentication requirements for accessing a service or executing an activity based on the determining the user's network connections, geographic location, and applications, in real-time. The invention provides a novel method for employing activity data provided by a plurality of users associated with historical activity information to vary the authentication requirements dynamically. Another aspect of the invention is directed to constructing geographic maps with predefined physical areas and overlaying graphical representations of activity data on the maps, in real-time.

Growing community of inventors

Rock Hill, SC, United States of America

Joseph Neil Johansen