Bank of America Corporation

William Earnest Kelley

Matthew Alexander Calman

Michael E Toth

Dipika Jain

Chris Purvis

Richard Lougheed Lawson

Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device.

Remote control for online banking

Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device.

Restricted access to online banking

Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution.

Offline mobile banking system

Providing security-related services for enterprise service requests includes receiving a service request from an endpoint, determining the transaction parameter from the received service request, determining a subroutine for execution based on the transaction parameter, communicating with a data server to execute the subroutine, receiving subroutine results from the data server based on the executed subroutine, applying context-specific rules to the request based on instructive data specified in the subroutine results, determining a response based on the subroutine results and the applied context-specific rules, and communicating the response to the endpoint. Some embodiments may also include accessing transaction rules associated with the transaction parameter, determining an additional subroutine for execution based on the transaction rules, communicating with a data server to execute the additional subroutine, receiving additional subroutine results from the data server based on the executed additional subroutine, and communicating the results to the endpoint.

Safe services framework

Embodiments of the invention are directed to systems, methods and computer program products for enrolling a user in a device identification program. In some embodiments, a system is configured to: receive device identification information from a mobile device, receive user information associated with a user, the user information enabling identification of the user, associate the device identification information with the user information, and create a record based on the device identification information and the user information.

Mobile device enrollment for online banking transactions

A system and method for challenge question authentication comprises determining whether a log-in attempt requires additional authentication. A user attempts to log-in using a first application and a first delivery channel. When additional authentication is required, a challenge question is communicated to the user using a second application and a second delivery channel. The challenge question is specific to the user. An answer to the challenge question is received, and the user provides the answer using the first application and the first delivery channel. The log-in attempt is completed when the answer to the challenge question is correct.

Out-of-band challenge question authentication

Enrollment of user in device identification program

Embodiments of the invention are directed to systems, methods and computer program products for using a device identification program. In some embodiments, a system is configured to: receive device identification information from a mobile device, search a database of records based on the identification information, and in response to determining a match between information associated with a record in the database and the identification information, enable first access to an application initiated on the mobile device.

Application usage in device identification program

According to one embodiment, a system including a memory and a processor is provided. The memory may be operable to store a plurality of accounts. Each account may be associated with a user and with a mobile device. The processor may be coupled to the memory and operable to receive user credentials, sent by a requesting user and originating from a requesting device, in conjunction with a request for authentication. The user credentials may include an account identifier. The processor may be further operable to retrieve, from the plurality of accounts, the account associated with the account identifier that matches the account identifier included in the user credentials. The processor may compare information included within the user credentials with information associated the account. If the information included within the user credentials matches the information associated with the account, the processor may send an authentication-confirmation message to a second device.

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Charlotte, NC, United States of America

William Earnest Kelley