Bank of America Corporation

Patrick E Burgess, Jr

John E Scully

Robert S Mumma

A secure storage apparatus on a mobile device for securing user-access to a mobile application is provided. The secure storage may include, an electronic representation of a mobile token pin selected and inputted when authenticating a user for a first time and an OTP seed, stored in the secure storage. The secure storage may be a secure portion of memory on the mobile device only accessible and visible to the mobile application upon receipt of the mobile token pin. When the mobile token pin is inputted into the mobile application on the mobile device, the mobile application may be configured to transmit the mobile token pin to an authentication server for verification. In response to the verification, the OTP seed may be released from the secure storage and activate an OTP application associated with the mobile application to generate, transparent to the user, an OTP.

Digital integration token

Aspects of the disclosure relate to computer applications for collating scattered signals in a computer system. The computer system may include a processor, memory, display, and a plurality of applications. The plurality of applications may include a central application and a plurality of peripheral applications. The peripheral applications may generate signals. The central application may access the signals generated by the peripheral applications. The central application may collate the signals and store the collated signals. The central application may present the collated signals on the display. The collated signals may be actionable in the central application. Actions performed in response to the collated signals in the central application may be conveyed to the peripheral application from where the collated signal originated.

Application for collating scattered signals in a computer system

Apparatus and methods for supporting a mobile check deposit of a check into a bank account, the check having a first value, the first value being in a first currency, the bank account holding funds having a second currency. The system architecture may include one or more of a mobile phone platform, a shadow account creator module, a mobile check deposit host and/or a shadow account module. The mobile phone platform may provide a user with a selectable display including a plurality of bank accounts in which the check may be deposited, the plurality of bank accounts including the bank account. The shadow account creator may store funds having the first value or a second value, in the second currency, until the check has been cleared by a clearinghouse and/or honored by a drawing bank.

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Chicago, IL, United States of America

Patrick E Burgess, Jr