Truist Bank

Sudhakar Swaminathan

Jason Pedone

Raghavendra P Narasimhan

Madhusudan Panda

A system can prevent access to a user account via a password-based mode of authentication The system can receive a request from a non-digital authentication channel to enable the password-based mode of authentication to access the user account. The non-digital authentication channel can include an in-network system at a physical location associated with an entity managing the user account. The request can include an authenticated credential associated with the physical location and a verification associated with a user of the user account. The system can confirm the verification and the authenticated credential received in the request. The system can, in response to confirming the verification and the authenticated credential, change a setting in a database associated with the user account to enable the password-based mode of authentication associated with the user account for providing a user device with password-based access to the user account.

Enabling a password-based mode of authentication through a non-digital authentication channel

In an example, a method involves displaying interface objects in a first area of an interface displayed on a virtual reality device. Each interface object represents one of a set of financial services available within a financial system. The method further involves, while displaying the interface, detecting, from the virtual reality device, a selection followed by a movement of an interface object of the interface objects. The method further involves moving, on the interface displayed on the virtual reality device, the interface object according to the movement. The method involves detecting, via the virtual reality device, a placement of the interface object in a second area of the interface. The method further involves, in response to detecting the placement, initiating an application for the financial service corresponding to the interface object and displaying a result of the application in the second area.

Drag and drop functions to start the process of applying for financial services

A system for providing a user physical access to a facility. The system permits access to the facility via the user's mobile device that has a first near-field communication device and one or more security measures for authenticating the user's identity. A mobile application is encoded on the mobile device and is configured to create, store, and transmit a virtual identification of the user via the first near-field communication device. A reader device, having a second near-field communication device, at the facility permits physical access to the facility. The mobile application permits near-field communication between the first near-field communication device and the second near-field communication device when the mobile device and the reader device are in proximity to one another. When the mobile device authenticates the user's identity, the mobile application transmits the virtual identification to the reader device and the system permits physical access to the facility.

Virtual identification for granting secure access using two forms of authentication

A system can receive a request from a user device to disable a password-based mode of authentication associated with a user account. The user account can have a password usable for accessing account data associated with the user account and account functions associated with the user account. The system can receive verification from the user device for the request. The system can disable the password-based mode of authentication associated with the user account. The system can enable a password-less mode of authentication associated with the user account. The password-less mode of authentication can enable the user device to access account data associated with the user account and account functions associated with the user account without requiring the user to enter the password.

Disabling a password-based mode of authentication and enabling a password-less mode of authentication

A system can include a first financial account data system that may include first account data. The first financial account data system can perform a function according to a first process using the first account data. The system can include a second financial account data system that can include second account data that is unintegrated with the first account data. The second financial account data system can perform a function according to a second process, which can be different than the first process, using the second account data. The system can include a server with an application programming interface. The server can determine a data system among the first and second financial account data systems with which to execute a requested function received via a common user interface. The server can execute the requested function. The server can provide a result of the execution via the common user interface.

Application programming interface for providing common user interface access to data from separate systems

In an example, a method involves displaying interface objects and avatar interface objects on a user interface. Each interface object represents one of a set of financial services available within a financial system. The method also involves detecting a selection of an avatar interface object from the plurality of avatar interface objects, followed by detecting a movement of the selected avatar interface object and moving, on the user interface, the selected avatar interface object according to the movement. The method further involves detecting a placement of the selected avatar interface object on the user interface and, in response to detecting the placement, initiating an application for the financial service corresponding to the selected avatar interface object and displaying, on the user interface, a result of the application.

A system is described for providing a user physical access to a facility. The system permits access to the facility via the user's mobile device, having a first radio-frequency communication device, by communicating with a reader device at the facility, the reader device having a second radio-frequency communication device. The system receives identifying information and a request to grant access to the facility from the mobile device. After an approval of the request, the system creates a plurality of readable access codes for a web-based browser or dedicated application on the mobile device. The user may then use the first radio-frequency communication device to communicate at least one of the plurality of readable access codes to the reader device. Upon successful communication, the system grants the user physical access to the facility at an access control point.

Virtual identification for granting secure access using varying forms of readable access codes

A server can include an application programming interface that can determine a data system, among a first financial account data system and a second financial account data system, with which to execute a requested function received via a common user interface. The requested function can be caused to be executed using the data system and the first process or the second process. The operations also include providing a result from execution of the requested function to be outputted for display via the common user interface. The common user interface can provide integrated labeling for receiving data to allow requested functions to be executed using different processes associated with the first financial account data system and the second financial account data system using the integrated labeling.

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Duluth, GA, United States of America

Sudhakar Swaminathan