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:
Oct. 27, 2015
Filed:
Mar. 29, 2010
Xu He, Charlotte, NC (US);
Robert Timothy Leedy, Jr., Belmont, NC (US);
Todd Inskeep, Charlotte, NC (US);
David Shroyer, Charlotte, NC (US);
George C. Schroth, Scranton, PA (US);
Xu He, Charlotte, NC (US);
Robert Timothy Leedy, Jr., Belmont, NC (US);
Todd Inskeep, Charlotte, NC (US);
David Shroyer, Charlotte, NC (US);
George C. Schroth, Scranton, PA (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Apparatus and methods for authorizing an exchange between a customer and a services provider. The apparatus may include an electronic processor that is configured to: (1) calculate a reference event profile; and (2) determine a difference between a prospective transaction profile and the reference event profile. The prospective transaction profile may be based on the initiation of a prospective transaction by an individual whose identity has not been verified. The reference event profile may be based on a plurality of customer events that correspond to one or many different customers. The apparatus may include an output device that is configured to output authentication test information that corresponds to the difference. The authentication test information may support a revised prospective transaction profile that is more similar to the reference event profile than is the initial prospective event profile.