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.
Patent No.:
Date of Patent:
Jun. 05, 2012
Filed:
Jan. 31, 2011
David M. Grigg, Rock Hill, SC (US);
Patrick B. Kelly, Charlotte, NC (US);
Alicia C. Jones, Fort Mill, SC (US);
Marc B. Keller, Charlotte, NC (US);
David M. Grigg, Rock Hill, SC (US);
Patrick B. Kelly, Charlotte, NC (US);
Alicia C. Jones, Fort Mill, SC (US);
Marc B. Keller, Charlotte, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique financial transaction security system. In one embodiment, the financial transaction security system receives a security protocol from a user. The security protocol includes instructions for allowing transactions without authentication and security features for the user if authentication is necessary. The system then determines that the user is conducting a transaction, compares the transaction to the instructions, and determines whether the transaction can occur without authentication. If the user is required to authenticate his identity, the system requests input from the user, compares the input to the security feature, and determines if the user is authenticated. The user is able to customize both the instructions and the security features to provide greater control over financial transaction security.