Patents by Inventor Elizabeth S. Votaw

Elizabeth S. Votaw 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).

  • Patent number: 10305891
    Abstract: A computing platform may receive, from a client portal server, a request to authenticate a user to a user account. The computing platform may generate a first one-time passcode for a first computing device associated with the user account and may send, to the first computing device, the first one-time passcode. The computing platform also may generate a first registered-device authentication prompt for a second computing device associated with the user account and may send, to the second computing device, the first registered-device authentication prompt. Thereafter, the computing platform may receive first one-time passcode input and a first response to the first registered-device authentication prompt, which the computing platform may validate. Based on the validating, the computing platform may generate a validation message directing the client portal server to provide the user with access to the user account, which the computing platform may send to the client portal server.
    Type: Grant
    Filed: May 12, 2016
    Date of Patent: May 28, 2019
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, Andrew T. Keys
  • Patent number: 10298682
    Abstract: Aspects of the disclosure relate to controlling device data collectors using omni-collection techniques. A computing platform may receive configuration settings associated with a first collector and a second collector. Subsequently, the computing platform may generate one or more configuration commands for a native collector based on the configuration settings. The computing platform may send, to a client interface computing platform associated with the native collector, the one or more configuration commands generated for the native collector. Thereafter, the computing platform may receive state information collected by the native collector based on the one or more configuration commands generated for the native collector.
    Type: Grant
    Filed: August 5, 2016
    Date of Patent: May 21, 2019
    Assignee: Bank of America Corporation
    Inventors: Scott A. Sims, Craig Widmann, Don Cardinal, Elizabeth S. Votaw
  • Publication number: 20190147152
    Abstract: According to certain embodiments, an authentication system comprises memory operable to store instructions and processing circuitry operable to execute the instructions, whereby the authentication system is operable to receive first user data depicting a facial expression of a first user, authenticate the first user based on the first user data, and restrict the first user from performing an operation in response to determining that the operation requires authenticating at least one other user in addition to authenticating the first user.
    Type: Application
    Filed: November 16, 2017
    Publication date: May 16, 2019
    Inventors: Manu Kurian, Elizabeth S. Votaw
  • Publication number: 20190149542
    Abstract: According to certain embodiments, an authentication system comprises memory operable to store instructions and processing circuitry operable to execute the instructions, whereby the authentication system is operable to provide a stimulus that causes an involuntary facial movement of a user. The authentication system is further operable to receive user data in response to the stimulus. The user data depicts the involuntary facial movement of the user. The authentication system is further operable to perform authentication based on comparing the user data to validation data associated with the user. The validation data comprises a previously validated depiction of the involuntary facial movement caused by exposing the user to the stimulus.
    Type: Application
    Filed: November 16, 2017
    Publication date: May 16, 2019
    Inventors: James P. Scopis, Manu Kurian, Elizabeth S. Votaw
  • Publication number: 20190147151
    Abstract: According to certain embodiments, an authentication system comprises memory operable to store instructions and processing circuitry operable to execute the instructions, whereby the authentication system is operable to provide a prompt for a user to make a set of facial expressions according to an authentication pattern. The authentication system is further operable to receive user data depicting the set of facial expressions and determine a confidence level based on comparing the user data to validation data. The validation data depicts previously validated facial expressions associated with the user and arranged according to the authentication pattern. The authentication system is further operable to authenticate the user in response to a determination that the first confidence level exceeds a first pre-defined threshold.
    Type: Application
    Filed: November 16, 2017
    Publication date: May 16, 2019
    Inventors: James P. Scopis, Manu Kurian, Elizabeth S. Votaw
  • Publication number: 20190130094
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for authentication protocol elevation triggering based on situational instance. In this regard, the invention provides a dynamic platform for structuring a robotic process automation (RPA) application for determining authentication requirements in real-time by converting a user device into a virtual workstation. The invention configures a robotic process automation application for interacting with a first user interface of the first device application to identify situational events in real time. Another aspect of the invention is directed to escalating, in real-time, a level of authentication required for the user to execute the user activity based on at least the situational event identified by the robotic process automation application.
    Type: Application
    Filed: October 26, 2017
    Publication date: May 2, 2019
    Inventors: Elizabeth S. Votaw, Manu Jacob Kurian, Morgan Stewart Allen
  • Publication number: 20190068590
    Abstract: An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. The physical identification verification engine receives biometric data for a witness and confirms the witness's identity. The display displays a gesture motion from the signor. The gesture capture engine captures a gesture motion from the witness. The gesture capture engine generates a witness digital signature based on the captured gesture motion from the witness. The gesture capture engine generates a witness transfer token, the witness transfer token comprising the witness digital signature based on the captured gesture from the witness and the witness identity confirmation token. The interface communicates the witness transfer token to a server.
    Type: Application
    Filed: October 31, 2018
    Publication date: February 28, 2019
    Inventors: Elizabeth S. Votaw, Michael Ogrinz, Cameron D. Wadley, Jisoo Lee, Katherine Dintenfass, Graham M. Wyllie, Victoria L. Dravneek
  • Publication number: 20190034602
    Abstract: Method and apparatus for a system to harden digital consents. The system uses an evaluation of geographic locations, transaction times, and device identities to control the upload of consent data. Evaluations occur using numerous techniques including MAC address evaluation, IP address evaluation, meta-data evaluation, and physical location of restricted equipment such as ATMs and kiosks. Reliability of consent data entered into the system may be enhanced by strictly evaluating geographic locations, transaction times, and/or device identities.
    Type: Application
    Filed: July 30, 2017
    Publication date: January 31, 2019
    Inventors: Elizabeth S. Votaw, David J. Smiddy, FNU Sidharth, Stephen T. Shannon, James Alexander
  • Publication number: 20190014468
    Abstract: Systems and methods leverage metadata to pin a digital consent to a particular customer. Metadata may include any information known about the customer. The systems and methods correlate the metadata with metadata gathered during the consent process. Metadata gathered during the consent process may include mobile phone profiles, biometrics, social-media attributes, etc. The systems and methods may utilize metadata to authenticate contemporaneously with obtaining consent. A browser-based tool may enable customers to use their mobile device to “sign” for their consent by clicking yes/no or other electronic selection. Such a tool may tie a customer's “consent” to their respective Party ID. This enables and preserves an after-the-fact record the customer has received, and consented to, the proper disclosures. The customer may receive a one-time authorization code transmitted to their mobile device which they enter into the website to ensure that this is truly their device while they provide consent.
    Type: Application
    Filed: July 6, 2017
    Publication date: January 10, 2019
    Inventors: Elizabeth S. Votaw, David J. Smiddy, FNU Sidharth, Stephen T. Shannon, James Alexander
  • Publication number: 20190012532
    Abstract: A mobile device for securely authenticating user consent may be provided. The mobile device may include a settings management state. The mobile device may include a processor configured to: access the settings management state, create a personal profile for the user and process a plurality of settings created by the user. The settings may include description-type settings and live motion and/or behavior settings of the user. The mobile device may include a database for storing the plurality of settings and the user's personal profile. The storing may enable future authentication of the user. In response to the user attempting to consent to an initiator via the mobile device, the processor may be configured to perform a real-time profile validation check. The validation check may include capturing live motion and/or behavior of the user, verifying the live motion and/or behavior and instructing the initiator to accept the consent.
    Type: Application
    Filed: July 7, 2017
    Publication date: January 10, 2019
    Inventors: Elizabeth S. Votaw, Stephen T. Shannon
  • Publication number: 20190014111
    Abstract: Method and apparatus for allowing the changing of security values and consent data is provided. The security values allow for dynamically changing the security level and ease of access associated with performing specific transactions on specific accounts. The consent data may be pushed or pulled and when stored, may be used for future transactions, of both the same or a different type. The changing of security levels and consent data may be accomplished over the internet using mobile devices over both secure and non-secure networks.
    Type: Application
    Filed: July 8, 2017
    Publication date: January 10, 2019
    Inventors: Elizabeth S. Votaw, David J. Smiddy, FNU Sidharth, Stephen T. Shannon, James Alexander
  • Publication number: 20190012653
    Abstract: A method for enhancing customer authentication and consent for finalizing an offer to a customer of a product and/or a service is provided. The method may include using a first receiver to receive an authentication request from an initiator. The authentication request may include a customer name and a customer phone number. The method may also include using a first processor to generate a pin number and transmit the pin number to the customer phone number. The pin number may include an identifier associated with the product and/or service. The method may further include using a second receiver, included in a mobile phone, to receive the pin number, and using a second processor, included on the mobile phone, to authenticate the pin number. The authentication may include verifying a match between the customer phone number and a mobile phone number associated with the mobile phone.
    Type: Application
    Filed: July 7, 2017
    Publication date: January 10, 2019
    Inventors: Elizabeth S. Votaw, David J. Smiddy, FNU Sidharth, Stephen T. Shannon, James Alexander
  • Publication number: 20190012751
    Abstract: Methods for receiving and documenting real-time, electronically-executed consent is provided. Methods may include initiating a human contact session between a first human entity and a second human entity. Methods may include transmitting a first request from a mobile device associated with the first human entity to a communications hub. The communications hub may transmit electronic documents and one or more electronic consent mechanisms to a mobile device associated with the second entity. The second entity may review the electronic documents and consent and/or agree to the information and/or requirements included in the electronic documents using one or more of the electronic consent mechanisms. Upon receipt of the consent and/or agreement at the communications hub, the communications hub may transmit an electronic notification of the received consent and/or agreement to the first human entity. The first human entity may continue the human contact session upon receipt of the agreement.
    Type: Application
    Filed: July 6, 2017
    Publication date: January 10, 2019
    Inventors: Elizabeth S. Votaw, David J. Smiddy, Fnu Sidharth, James Alexander
  • Patent number: 10158634
    Abstract: An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. The physical identification verification engine receives biometric data for a witness and confirms the witness's identity. The display displays a gesture motion from the signor. The gesture capture engine captures a gesture motion from the witness. The gesture capture engine generates a witness digital signature based on the captured gesture motion from the witness. The gesture capture engine generates a witness transfer token, the witness transfer token comprising the witness digital signature based on the captured gesture from the witness and the witness identity confirmation token. The interface communicates the witness transfer token to a server.
    Type: Grant
    Filed: November 16, 2016
    Date of Patent: December 18, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, Michael Ogrinz, Cameron D. Wadley, Jisoo Lee, Katherine Dintenfass, Graham M. Wyllie, Victoria L. Dravneek
  • Patent number: 10158629
    Abstract: A computing platform may receive, from a client portal server, a request to authenticate a user to a user account associated with a client portal provided by the client portal server, as well as device selection input selecting a first registered device and a second registered device to receive one-time passcodes. The computing platform may generate a first one-time passcode for the first registered device and a second one-time passcode for the second registered device, and may send the first one-time passcode to the first registered device and the second one-time passcode to the second registered device. The computing platform may receive and validate one-time passcode input. Based on validating the one-time passcode input, the computing platform may generate a validation message directing the client portal server to provide the user with access to the user account, and may send the validation message to the client portal server.
    Type: Grant
    Filed: June 20, 2016
    Date of Patent: December 18, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, Andrew T. Keys, Ashish Arora
  • Patent number: 10158628
    Abstract: A computing platform may receive, from a client server, a request to authenticate a user to a user account, as well as device selection input selecting a registered device to receive a one-time passcode. The computing platform may evaluate the device selection input based on contextual login information associated with the user account, determine that the registered device selected to receive the one-time passcode is out of context, and execute a security procedure. Based on validating a response to the security procedure, the computing platform may generate a one-time passcode and may send the one-time passcode to the registered device selected to receive the one-time passcode. Thereafter, the computing platform may receive one-time passcode input, validate the one-time passcode input, generate a validation message directing the client server to provide the user with access to the user account, and send the validation message to the client server.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: December 18, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, Andrew T. Keys
  • Patent number: 10149160
    Abstract: Aspects of the disclosure relate to recognizing and authenticating mobile devices based on unique cross-channel bindings. In some embodiments, a computing platform may receive, from a telephone agent support computer system, call information associated with a telephone call. Subsequently, the computing platform may identify a source device that placed the telephone call, based on binding information maintained by the computing platform for the source device. Based on identifying the source device that placed the telephone call, the computing platform may load user information associated with a user account linked to the source device. Next, the computing platform may set one or more authentication flags for the user account based on the binding information. Then, the computing platform may send, to the telephone agent support computer system, the user information and authentication information based on the one or more authentication flags set for the user account linked to the source device.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: December 4, 2018
    Assignee: Bank of America Corporation
    Inventors: Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys, Mark A. Pender
  • Patent number: 10148646
    Abstract: A computing platform may receive, from a social messaging server, a request to authenticate a user to a user account associated with a client portal. In response to receiving the request, the computing platform may send, to the social messaging server, an authentication token request message. Thereafter, the computing platform may receive, from the social messaging server, an authentication token. The computing platform may validate the authentication token received from the social messaging server. Based on validating the authentication token received from the social messaging server, the computing platform may generate a validation message directing a client support server to provide the user with access to the user account. Subsequently, the computing platform may send the validation message to the client support server, which may cause the client support server to initiate a client support session with the user via the social messaging service provided by the social messaging server.
    Type: Grant
    Filed: July 20, 2016
    Date of Patent: December 4, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, Andrew T. Keys, Ashish Arora
  • Publication number: 20180322475
    Abstract: A system for linking and managing resources across multiple platforms for distribution to address future actions is provided. The system allows users to establish a collaboration to address a future action and facilitates linking of user accounts to allow for efficient transfer of resources. In this way, the system allows users to effectively address a future action through management of resources.
    Type: Application
    Filed: May 5, 2017
    Publication date: November 8, 2018
    Inventors: Katherine Dintenfass, Victoria L. Dravneek, Elizabeth S. Votaw
  • Publication number: 20180324186
    Abstract: A system for configuring and executing a secure communication network for authorizing access to safeguarded resources is provided. In particular, the system uses person-to-person (P2P) authentication technology to securely transmit resources between users. In this way, an efficient way to for users to manage resources is provided.
    Type: Application
    Filed: May 5, 2017
    Publication date: November 8, 2018
    Inventors: Katherine Dintenfass, Elizabeth S. Votaw, Cameron Darnell Wadley