Patents by Inventor Joseph Neil Johansen
Joseph Neil Johansen has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 9530124Abstract: Embodiments are directed to systems, methods and computer program products for sorting mobile banking functions into authentication buckets. Embodiments determine, for each of a plurality of mobile banking functions, a corresponding authentication buckets, where each authentication bucket corresponds with a level of authentication.Type: GrantFiled: February 4, 2016Date of Patent: December 27, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Joseph Neil Johansen, Michael E. Toth, Daniel Lynn Carpenter, Hood Qaim-Maqami, Carrie Anne Hanson, Elizabeth S. Votaw
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Patent number: 9525685Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.Type: GrantFiled: December 28, 2015Date of Patent: December 20, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Peter John Bertanzetti, Charles Jason Burrell, Carrie Anne Hanson, Joseph Neil Johansen, Michael E. Toth, Elizabeth S. Votaw
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Patent number: 9509685Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.Type: GrantFiled: February 19, 2016Date of Patent: November 29, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Peter John Bertanzetti, Charles Jason Burrell, Carrie Anne Hanson, Joseph Neil Johansen, Michael E. Toth, Elizabeth S. Votaw
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Patent number: 9509702Abstract: Embodiments of the invention are directed to a system, method, and a computer program product self-selected user access based on specific authentication types. The system typically including a memory, a processor, and a module configured to receive from a user, a user-selected preference, wherein the user-selected preference comprises one or more authentication types desired by the user; determine a level of authentication from a plurality of levels of authentication are associated with the one or more authentication types associated with the user-selected preference; initiate the presentation of a user interface that enables the user to select one or more application functions, wherein the one or more application functions are associated with the determined level of authentication; receive from a user, a selection of one or more application functions.Type: GrantFiled: February 17, 2016Date of Patent: November 29, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Joseph Neil Johansen, Carrie Anne Hanson, Charles Jason Burrell, Elizabeth S. Votaw
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Publication number: 20160267597Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; receive social network financial information, the social network financial information comprising financial information associated with other customers; compare the customer's financial information to the social network financial information; present a comparison of the customer's financial information to the social network financial information.Type: ApplicationFiled: March 13, 2015Publication date: September 15, 2016Inventors: Joseph Neil Johansen, Anthony David Guido
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Publication number: 20160267599Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; determine a financial institution product based on the customer's finances and the customer's financial goals; and provide indication of how the financial institution product impacts the customer's finances.Type: ApplicationFiled: March 13, 2015Publication date: September 15, 2016Inventors: Joseph Neil Johansen, Anthony David Guido
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Publication number: 20160267598Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; determine at least one goal associated with the customer; track progression towards the at least one goal; provide at least one incentive to the customer based on achievement of the at least one goal.Type: ApplicationFiled: March 13, 2015Publication date: September 15, 2016Inventors: Joseph Neil Johansen, Anthony David Guido
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Publication number: 20160267582Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing financial decision simulations. An exemplary apparatus may be configured to provide access to a financial management dashboard that interfaces with an online banking platform to access a customer's financial information to present a holistic financial view of the customer that comprises one or more financial parameters associated with the customers current finances. The financial management application dashboard may comprise at least one adjustment device for altering the one or more financial parameters associated with the customers finances such that a simulation algorithm is executed in response to the customer adjusting the at least one financial parameter. The system may then present an updated holistic financial view of the customer's future finances.Type: ApplicationFiled: March 13, 2015Publication date: September 15, 2016Inventors: Joseph Neil Johansen, Anthony David Guido
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Publication number: 20160267596Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide a financial management application that interfaces with an online banking platform to access a customer's financial information to receive a request to process a simulated investment, where the request specifies a virtual investment amount and one or more financial products. In response to receiving the request to process a simulated investment, the system may execute a simulation algorithm that calculates the effect of virtual investment amount on the one or more financial products and display the calculated effect of depositing the virtual investment amount into the one or more financial products.Type: ApplicationFiled: March 13, 2015Publication date: September 15, 2016Inventors: Joseph Neil Johansen, Anthony David Guido
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Publication number: 20160248781Abstract: Embodiments of the invention are directed to a system, method, and a computer program product self-selected user access based on specific authentication types. The system typically including a memory, a processor, and a module configured to receive from a user, a user-selected preference, wherein the user-selected preference comprises one or more authentication types desired by the user; determine a level of authentication from a plurality of levels of authentication are associated with the one or more authentication types associated with the user-selected preference; initiate the presentation of a user interface that enables the user to select one or more application functions, wherein the one or more application functions are associated with the determined level of authentication; receive from a user, a selection of one or more application functions.Type: ApplicationFiled: February 17, 2016Publication date: August 25, 2016Inventors: David M. Grigg, Joseph Neil Johansen, Carrie Anne Hanson, Charles Jason Burrell, Elizabeth S. Votaw
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Patent number: 9413747Abstract: Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).Type: GrantFiled: February 18, 2016Date of Patent: August 9, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Hood Qaim-Maqami, Alicia C. Jones, Elizabeth S. Votaw, Joseph Neil Johansen, Charles Jason Burrell, Carrie Anne Hanson, Michael Patrick Lynch
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Patent number: 9406055Abstract: Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).Type: GrantFiled: February 18, 2016Date of Patent: August 2, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Hood Qaim-Maqami, Alicia C. Jones, Elizabeth S. Votaw, Joseph Neil Johansen, Charles Jason Burrell, Carrie Anne Hanson, Michael Patrick Lynch
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Patent number: 9390242Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to predetermined boundaries of location that have altered authentication requirements, in the form of, increased or decreased authentication requirements/credentials that differ from the standard authentication requirements.Type: GrantFiled: February 7, 2014Date of Patent: July 12, 2016Assignee: Bank of America CorporationInventors: David M. Grigg, Peter John Bertanzetti, Charles Jason Burrell, Carrie Anne Hanson, Joseph Neil Johansen, Michael E. Toth
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Patent number: 9391990Abstract: Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences. The system typically including a memory, a processor, and a module configured to receive a request to execute a user action from a user associated with an application, wherein the user action requires one or more authentication credentials; receive one or more authentication credentials from the user based on a user-selected preference; validate the one or more authentication credentials based on the user-selected preference; and execute the user action based on a successful validation of the one or more authentication credentials.Type: GrantFiled: February 18, 2016Date of Patent: July 12, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Joseph Neil Johansen, Carrie Anne Hanson, Charles Jason Burrell, Elizabeth S. Votaw
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Patent number: 9391976Abstract: Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences.Type: GrantFiled: December 14, 2015Date of Patent: July 12, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Joseph Neil Johansen, Carrie Anne Hanson, Charles Jason Burrell, Elizabeth S. Votaw
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Publication number: 20160173484Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.Type: ApplicationFiled: February 19, 2016Publication date: June 16, 2016Inventors: David M. Grigg, Peter John Bertanzetti, Charles Jason Burrell, Carrie Anne Hanson, Joseph Neil Johansen, Michael E. Toth, Elizabeth S. Votaw
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Publication number: 20160173497Abstract: Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences.Type: ApplicationFiled: February 18, 2016Publication date: June 16, 2016Inventors: David M. Grigg, Joseph Neil Johansen, Carrie Anne Hanson, Charles Jason Burrell, Elizabeth S. Votaw
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Publication number: 20160171460Abstract: Embodiments are directed to systems, methods and computer program products for sorting mobile banking functions into authentication buckets. Embodiments determine, for each of a plurality of mobile banking functions, a corresponding authentication buckets, where each authentication bucket corresponds with a level of authentication.Type: ApplicationFiled: February 4, 2016Publication date: June 16, 2016Inventors: David M. Grigg, Joseph Neil Johansen, Michael E. Toth, Daniel Lynn Carpenter, Hood Qaim-Maqami, Carrie Anne Hanson, Elizabeth S. Votaw
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Publication number: 20160162854Abstract: Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).Type: ApplicationFiled: February 18, 2016Publication date: June 9, 2016Inventors: David M. Grigg, Hood Qaim-Maqami, Alicia C. Jones, Elizabeth S. Votaw, Joseph Neil Johansen, Charles Jason Burrell, Carrie Anne Hanson, Michael Patrick Lynch
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Publication number: 20160162997Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.Type: ApplicationFiled: February 11, 2016Publication date: June 9, 2016Inventors: Joseph Neil Johansen, Farhan Ahmed Siddiqi, David Reed Godsman, David M. Grigg