The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jun. 22, 2021

Filed:

Jan. 03, 2020
Applicant:

Bank of America Corporation, Charlotte, NC (US);

Inventors:

Elizabeth S. Votaw, Potomac, MD (US);

David J. Smiddy, Chadds Ford, PA (US);

FNU Sidharth, Charlotte, NC (US);

Stephen T. Shannon, Charlotte, NC (US);

James Alexander, Dripping Springs, TX (US);

Assignee:

Bank of America Corporation, Charlotte, NC (US);

Attorneys:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06F 21/62 (2013.01); G06F 21/31 (2013.01); G06Q 50/18 (2012.01); H04L 29/06 (2006.01); G06Q 20/12 (2012.01); G06Q 40/02 (2012.01);
U.S. Cl.
CPC ...
H04L 63/0876 (2013.01); G06F 21/31 (2013.01); G06F 21/6218 (2013.01); G06F 21/6245 (2013.01); G06Q 20/12 (2013.01); G06Q 20/382 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/38215 (2013.01); H04L 63/0428 (2013.01); G06Q 40/025 (2013.01); G06Q 50/18 (2013.01); G06Q 50/188 (2013.01); H04L 63/102 (2013.01);
Abstract

Method and apparatus for allowing the changing of security values and consent data is provided. The security values allow for dynamically changing the security level and ease of access associated with performing specific transactions on specific accounts. The consent data may be pushed or pulled and when stored, may be used for future transactions, of both the same or a different type. The changing of security levels and consent data may be accomplished over the internet using mobile devices over both secure and non-secure networks.


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