Bank of America Corporation

Early Warning Services, LLC

Mark A Pender

Andrew T Keys

Xianhong Zhang

Daniel Lynn Carpenter

Kapil Pruthi

Apeksh M Dave

Elizabeth Votaw

Eric Woodward

Aaron Bartrim

Betty Chan-Bauza

James R Mortensen

Hal Granoff

Ryan Riveland

David Karpey

Spencer Yezo

Jennifer Pacholski

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 method including receiving a request from a provider to perform a provisioning of an account to a mobile wallet operating on a mobile device. The method also can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet based at least in part on the response received from the risk determination system. The method additionally can include providing a token to the provider in response to the request to perform the provisioning of the account to the mobile wallet when the fraud risk level is below a predetermined threshold. Other embodiments are provided.

Authentication and fraud prevention in provisioning a mobile wallet

A method including receiving an inquiry from a provider to authenticate a provisioning of an account to a mobile wallet. The method also can include determining device ownership information for a mobile device that operates the mobile wallet, account ownership information for the account, device risk information associated with the mobile device, and account risk information associated with the account. The method additionally can include determining an ownership correlation between the device ownership information and the account ownership information. The method further can include generating a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include providing a response to the provider based on the fraud risk level. Other embodiments are provided.

A method including receiving a request from a mobile wallet operating on a mobile device to perform a provisioning of an account to the mobile wallet. The method also can include generating account information about the account. The method additionally can include generating device information about the mobile device. The method further can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a first response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet or to perform an additional verification based at least in part on the first response received from the risk determination system. The method additionally can include sending a second response to the mobile wallet in response to the request to perform the provisioning of the account to the mobile wallet. Other embodiments are provided.

A computer system receives an authentication request from a user device and determines a determined device identification from a set of received device attributes. When the device is properly authenticated, the computer system generates an authentication token that is signed by the determined device identification and returns the authentication token to the user device. When the computer system subsequently receives a service request with an authentication token and a plurality of device attributes for a protected resource from a user device, the computer system determines a derived device identification from some or all of the received device attributes. When a signed device identification of the authentication token and the derived device identification are equal, the apparatus continues processing the service request. Otherwise, the service request is rejected.

Service channel authentication token

Aspects of the disclosure relate to recognizing and authenticating mobile devices based on unique cross-channel bindings. In some embodiments, a computing platform may receive, from a telephone agent support computer system, call information associated with a telephone call. Subsequently, the computing platform may identify a source device that placed the telephone call, based on binding information maintained by the computing platform for the source device. Based on identifying the source device that placed the telephone call, the computing platform may load user information associated with a user account linked to the source device. Next, the computing platform may set one or more authentication flags for the user account based on the binding information. Then, the computing platform may send, to the telephone agent support computer system, the user information and authentication information based on the one or more authentication flags set for the user account linked to the source device.

Recognizing and authenticating mobile devices based on unique cross-channel bindings

Methods, systems, and computer-readable media for authenticating customers using biometrics are presented. In some embodiments, a computing platform may receive, from an interactive voice response server, an inbound call notification associated with a telephone call received from a mobile device. Subsequently, the computing platform may determine a device identifier of the mobile device and a customer identifier corresponding to a user of the mobile device. The computing platform then may load a customer authentication profile. Subsequently, the computing platform may generate a biometric authentication prompt for authenticating the user of the mobile device and may cause the biometric authentication prompt to be sent to the mobile device. Thereafter, the computing platform may receive, from the mobile device, a validation message. In response to receiving the validation message, the computing platform may generate an authentication message. Subsequently, the computing platform may send the authentication message to the interactive voice response server.

Authenticating customers using biometrics

Systems and methods for determining an identity of an individual are provided. Audio may be received that includes a key phrase spoken by the individual, and the key phrase may include an identifier spoken by the individual. A key phrase voice print and key phrase text corresponding to the audio may be obtained. The key phrase text may include text corresponding to the identifier spoken by the individual. Voice prints may be retrieved based on the text corresponding to the identifier, and the voice prints may be provided to a voice biometric engine for comparison to the key phrase voice print. The individual may be authenticated based on a comparison of the key phrase voice print to the voice prints. The identifier may include a first name and a last name of the individual.

Customer identification through voice biometrics

A computer system receives a service request over a service channel from a user device, initiates a challenge to the user device to provide authentication information based on a set of authenticators, and determines an initial level of authentication. When the initial level of authentication is not sufficient for the service channel or protected resource, the apparatus generates a challenge to the user device with at least one additional authenticator and determines an achieved level of authentication based on the further authentication information. When the achieved level of authentication reaches a target authentication level for the service channel, the apparatus continues processing the service request by the service channel. The computer may transfer the service request to another service channel with the authentication token obtained on the original service channel and further challenges the user device with additional authenticators when a higher level of authentication is necessary.

Service channel authentication processing hub

Methods, systems, and computer-readable media for authenticating customers of an organization and managing authenticated sessions of various customers are presented. Some aspects of the disclosure provide ways for a customer of an organization to authenticate using a mobile computing device, such as the customer's personal mobile device, when interacting with the organization in various contexts, such as when accessing an automated transaction device or when interacting with an agent of the organization during an in-person session or during a teleconference session. In some arrangements, the customer's authentication status, which may be established on the mobile computing device and which, in some instances, may be verified based on the location of the mobile computing device, may be carried over from the mobile computing device to another computing device or system, such as an automated transaction device or a teller terminal device, which may be used by an agent of the organization.

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Rockville Center, NY, United States of America

Mark A Pender