Bank of America Corporation

Shaun J Abraham

Laura Corinne Bondesen

Alicia C Jones

David C McCoy

Douglas Gerard Brown

Systems, methods, and computer program products are provided for authenticating and efficiently re-authenticating a user with a financial institution in order to gain access to account information using a web-enabled device. The web-enabled device stores user profiles associated with the user including authentication information provided by the user during primary authentication. The device retrieves the authentication information upon secondary authentication, that is, validation of the user's identity, which in some embodiments, includes local validation of a personal identification number ('PIN') and/or a remote control passcode ('RCP'). As such, the web-enabled device re-authenticates the user without requiring authentication communication with a financial institution server, and thereafter, the user interacts with an application running on the web-enabled device to retrieve desired account information from the financial institution server.

Systems and methods for authenticating a user for accessing account information using a web-enabled device

Various examples are disclosed of how to leverage technology in a vehicle to provide various services in a convenient manner. For example, the pairing of the portable device with the on-board computer of the vehicle may be utilized as a level of authorization to provide certain services in a more automated and/or convenient way to the vehicle driver or other occupant of the vehicle, such as by authenticating wireless transactions with entities external to the vehicle using device pairing technology, and by modifying vehicle navigation routes to include suggested nearby points of interest that may be determined to be of particular value to a vehicle occupant.

Growing community of inventors

Wesley Chapel, FL, United States of America

Shaun J Abraham