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:
Apr. 19, 2016
Filed:
Jan. 27, 2014
Bank of America Corporation, Charlotte, NC (US);
Davindar S. Gill, Long Grove, IL (US);
Therese H. Willis, Apopka, FL (US);
Lekha Ananthakrishnan, Charlotte, NC (US);
Eileen D. Bridges, Fort Mill, SC (US);
Francis G. Farro, II, Orlando, FL (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
A system may include a memory and processor. The memory may store a user account identifier associated with a user account. The processor may be able to receive at least one user credential and authenticate the user account based at least in part on the at least one user credential. The processor may also receive a first request, from a device associated with the user account, to generate a one-time password and generate the one-time password in response to receiving the first request. The processor may associate the one-time password to the user account and communicate the one-time password to the device associated with the user account. The processor is further able to receive a second request, from a transaction device, the second request comprising an attempted one-time password, determine whether the attempted one-time password is valid and communicate, to the transaction device, an indication that the attempted one-time password is valid in response to determining that the attempted one-time password is valid.