AUTHENTICATION METHODS FOR USE IN FINANCIAL TRANSACTIONS AND INFORMATION BANKING

Patent №

US 8,028,896

Granted

2011-10-04

Filed 2008

Owner

BANK OF AMERICA CORPORATION

Lab

AI components

1

nlp

Assignment

Recorded

Dataset

AIPD

2023_r1 edition

Application

12173720

A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented.

Natural languageG06Q 20/40G06Q 10/0633G06Q 10/0637G06Q 20/02G06Q 20/20G06Q 20/202G06Q 20/204G06Q 20/322+10 more

AI classification

Natural language0.91
Vision0.14
AI hardware0.03
Knowledge representation0.00
Speech0.00
Planning0.00
Evolutionary computation0.00
Machine learning0.00

Ownership

BANK OF AMERICA CORPORATION

assignment · 223160287

Assignors

CARTER, SAMUEL JEFF, GARCIA, RAY, JOA, DAVID, JOFFE, DAVID, MERTZ, JOHN, OBRADOVIC, ZORAN, SCHUMACHER, HANS

On an employer assignment, the assignors are typically the inventors.

From the same owner

© 2026 NYSGPT2525 LLC