Patents by Inventor Mark A. Pender
Mark A. Pender 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: 11290454Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.Type: GrantFiled: April 17, 2020Date of Patent: March 29, 2022Assignee: Bank of America CorporationInventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth Votaw, Andrew T. Keys
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Patent number: 11257084Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.Type: GrantFiled: March 27, 2020Date of Patent: February 22, 2022Assignee: Bank of America CorporationInventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth Votaw, Andrew T. Keys
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Patent number: 11151567Abstract: A method including receiving a request from a provider to perform a provisioning of an account to a mobile wallet operating on a mobile device. The method also can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet based at least in part on the response received from the risk determination system. The method additionally can include providing a token to the provider in response to the request to perform the provisioning of the account to the mobile wallet when the fraud risk level is below a predetermined threshold. Other embodiments are provided.Type: GrantFiled: September 19, 2017Date of Patent: October 19, 2021Assignee: EARLY WARNING SERVICES, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Mark Pender, Ryan Riveland
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Patent number: 11151566Abstract: A method including receiving an inquiry from a provider to authenticate a provisioning of an account to a mobile wallet. The method also can include determining device ownership information for a mobile device that operates the mobile wallet, account ownership information for the account, device risk information associated with the mobile device, and account risk information associated with the account. The method additionally can include determining an ownership correlation between the device ownership information and the account ownership information. The method further can include generating a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include providing a response to the provider based on the fraud risk level. Other embodiments are provided.Type: GrantFiled: September 19, 2017Date of Patent: October 19, 2021Assignee: EARLY WARNING SERVICES, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Mark Pender, Ryan Riveland
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Patent number: 11144928Abstract: A method including receiving a request from a mobile wallet operating on a mobile device to perform a provisioning of an account to the mobile wallet. The method also can include generating account information about the account. The method additionally can include generating device information about the mobile device. The method further can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a first response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet or to perform an additional verification based at least in part on the first response received from the risk determination system.Type: GrantFiled: September 19, 2017Date of Patent: October 12, 2021Assignee: EARLY WARNING SERVICES, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Mark Pender, Ryan Riveland
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Publication number: 20200244661Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.Type: ApplicationFiled: April 17, 2020Publication date: July 30, 2020Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth Votaw, Andrew T. Keys
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Publication number: 20200226603Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.Type: ApplicationFiled: March 27, 2020Publication date: July 16, 2020Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth Votaw, Andrew T. Keys
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Patent number: 10666654Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.Type: GrantFiled: May 15, 2016Date of Patent: May 26, 2020Assignee: Bank of America CorporationInventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
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Patent number: 10643212Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.Type: GrantFiled: May 15, 2016Date of Patent: May 5, 2020Assignee: Bank of America CorporationInventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
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Patent number: 10430578Abstract: A computer system receives an authentication request from a user device and determines a determined device identification from a set of received device attributes. When the device is properly authenticated, the computer system generates an authentication token that is signed by the determined device identification and returns the authentication token to the user device. When the computer system subsequently receives a service request with an authentication token and a plurality of device attributes for a protected resource from a user device, the computer system determines a derived device identification from some or all of the received device attributes. When a signed device identification of the authentication token and the derived device identification are equal, the apparatus continues processing the service request. Otherwise, the service request is rejected.Type: GrantFiled: November 2, 2017Date of Patent: October 1, 2019Assignee: Bank of America CorporationInventors: Xianhong Zhang, Andrew T. Keys, Kapil Pruthi, Daniel Lynn Carpenter, Mark A. Pender, Spencer Yezo, Apeksh M. Dave
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Patent number: 10149160Abstract: 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: GrantFiled: May 11, 2016Date of Patent: December 4, 2018Assignee: Bank of America CorporationInventors: Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys, Mark A. Pender
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Publication number: 20180144118Abstract: A computer system receives an authentication request from a user device and determines a determined device identification from a set of received device attributes. When the device is properly authenticated, the computer system generates an authentication token that is signed by the determined device identification and returns the authentication token to the user device. When the computer system subsequently receives a service request with an authentication token and a plurality of device attributes for a protected resource from a user device, the computer system determines a derived device identification from some or all of the received device attributes. When a signed device identification of the authentication token and the derived device identification are equal, the apparatus continues processing the service request. Otherwise, the service request is rejected.Type: ApplicationFiled: November 2, 2017Publication date: May 24, 2018Inventors: Xianhong Zhang, Andrew T. Keys, Kapil Pruthi, Daniel Lynn Carpenter, Mark A. Pender, Spencer Yezo, Apeksh M. Dave
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Publication number: 20180082301Abstract: A method including receiving an inquiry from a provider to authenticate a provisioning of an account to a mobile wallet. The method also can include determining device ownership information for a mobile device that operates the mobile wallet, account ownership information for the account, device risk information associated with the mobile device, and account risk information associated with the account. The method additionally can include determining an ownership correlation between the device ownership information and the account ownership information. The method further can include generating a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include providing a response to the provider based on the fraud risk level. Other embodiments are provided.Type: ApplicationFiled: September 19, 2017Publication date: March 22, 2018Applicant: Early Warning Services, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland
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Publication number: 20180082302Abstract: A method including receiving a request from a mobile wallet operating on a mobile device to perform a provisioning of an account to the mobile wallet. The method also can include generating account information about the account. The method additionally can include generating device information about the mobile device. The method further can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a first response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet or to perform an additional verification based at least in part on the first response received from the risk determination system.Type: ApplicationFiled: September 19, 2017Publication date: March 22, 2018Applicant: Early Warning Services, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland
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Publication number: 20180082303Abstract: A method including receiving a request from a provider to perform a provisioning of an account to a mobile wallet operating on a mobile device. The method also can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet based at least in part on the response received from the risk determination system. The method additionally can include providing a token to the provider in response to the request to perform the provisioning of the account to the mobile wallet when the fraud risk level is below a predetermined threshold. Other embodiments are provided.Type: ApplicationFiled: September 19, 2017Publication date: March 22, 2018Applicant: Early Warning Services, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland
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Patent number: 9836594Abstract: A computer system receives an authentication request from a user device and determines a determined device identification from a set of received device attributes. When the device is properly authenticated, the computer system generates an authentication token that is signed by the determined device identification and returns the authentication token to the user device. When the computer system subsequently receives a service request with an authentication token and a plurality of device attributes for a protected resource from a user device, the computer system determines a derived device identification from some or all of the received device attributes. When a signed device identification of the authentication token and the derived device identification are equal, the apparatus continues processing the service request. Otherwise, the service request is rejected.Type: GrantFiled: May 19, 2014Date of Patent: December 5, 2017Assignee: Bank of America CorporationInventors: Xianhong Zhang, Andrew T. Keys, Kapil Pruthi, Daniel Lynn Carpenter, Mark A. Pender, Spencer Yezo, Apeksh M. Dave
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Publication number: 20170332233Abstract: 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: ApplicationFiled: May 11, 2016Publication date: November 16, 2017Inventors: Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys, Mark A. Pender
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Publication number: 20170331824Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.Type: ApplicationFiled: May 15, 2016Publication date: November 16, 2017Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
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Publication number: 20170330191Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.Type: ApplicationFiled: May 15, 2016Publication date: November 16, 2017Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
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Patent number: 9635554Abstract: Methods, systems, and computer-readable media for authenticating customers using biometrics are presented. In some embodiments, a computing platform may receive, from an interactive voice response server, an inbound call notification associated with a telephone call received from a mobile device. Subsequently, the computing platform may determine a device identifier of the mobile device and a customer identifier corresponding to a user of the mobile device. The computing platform then may load a customer authentication profile. Subsequently, the computing platform may generate a biometric authentication prompt for authenticating the user of the mobile device and may cause the biometric authentication prompt to be sent to the mobile device. Thereafter, the computing platform may receive, from the mobile device, a validation message. In response to receiving the validation message, the computing platform may generate an authentication message.Type: GrantFiled: July 13, 2016Date of Patent: April 25, 2017Assignee: Bank of America CorporationInventor: Mark A. Pender