Patents by Inventor Michael A. Toth

Michael A. Toth 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: 11314850
    Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.
    Type: Grant
    Filed: May 15, 2020
    Date of Patent: April 26, 2022
    Assignee: Bank of America Corporation
    Inventors: Hitesh Shah, Michael Toth
  • Patent number: 11050769
    Abstract: Systems for detecting unauthorized user and controlling dynamic user interface functionality are provided. The system may receive a request to access functionality that may include login credentials of a user. The request may also include additional information associated with a computing device from which the request is received. The request and additional data may be analyzing using one or more machine learning datasets to determine whether a user requesting access is an authorized user or an unauthorized user. If the user is an authorized user, the user may be authenticated to the system an authentic user interface having enabled functionality may be generated. If the user is an unauthorized user, a decoy user interface having functionality disabled may be generated.
    Type: Grant
    Filed: February 5, 2018
    Date of Patent: June 29, 2021
    Assignee: Bank of America Corporation
    Inventors: Michael Toth, Xianhong Zhang
  • Publication number: 20210176238
    Abstract: A system provides for automated image authentication and external database verification. In particular, the system may perform automatic authentication of an image by extracting data and/or metadata from the image for subsequent analysis. For instance, the extracted data and/or metadata may be compared with historical data to drive authorization processes (e.g., past instances of unauthorized activity). In some embodiments, the system may further use external databases which may be hosted by a trusted third party to perform additional authentication steps and/or verification. In this way, the system may provide a reliable and efficient way to perform authentications.
    Type: Application
    Filed: December 6, 2019
    Publication date: June 10, 2021
    Applicant: Bank of America Corporation
    Inventors: Preston Wesley Ports, III, Sangeeta Varma Martinez, Dipika Jain, Michael Toth, Melissa K. Van Leuven, Holly Martinez, Dawn M. Friscia, Erin Marie McCullen, Deborah D. Jackson
  • Patent number: 10958639
    Abstract: Systems for providing secure access to systems are provided. A computing device may receive a request to access functionality which may include login credentials of a user. Upon receiving the request to access functionality, the computing device may execute a scan of an area surrounding the computing device to detect any wearable devices within proximity of the computing device that are linked to the computing device. The authenticating information and, in some examples, detected, linked wearable device, may be validated. Based on the validation, authentication response data may be generated and transmitted to an authentication computing platform which may cause the authentication computing platform to validate the authentication response data and cause the computing device to connect to a client interface computing platform.
    Type: Grant
    Filed: February 27, 2018
    Date of Patent: March 23, 2021
    Assignee: Bank of America Corporation
    Inventors: Michael Toth, Hitesh Shah
  • Patent number: 10831878
    Abstract: Systems for dynamically authenticating users are provided. A system may receive a request to access functionality. In response to the received request, an authentication grid may be dynamically generated. The authentication grid may include a plurality of fields, each identifiable by a field identifier, and including one or more characters that may be used to authenticate a user. The authentication grid may be transmitted to a computing device of a user. A character for authentication may be identified by the system. In some arrangements, the system may generate a request for user input including a character appearing in the authentication grid. The user may identify the field and input the character appearing in the field. The system may receive the requested character and may compare it to the identified character for authentication. If the received character and the identified character match, functionality may be enabled. If a match does not exist, functionality may be disabled.
    Type: Grant
    Filed: January 26, 2018
    Date of Patent: November 10, 2020
    Assignee: Bank of America Corporation
    Inventors: Rakesh Juyal, Michael Toth, Muniraju Jayaramaiah, Ashish Arora
  • Patent number: 10803154
    Abstract: Aspects of the disclosure relate to multicomputer processing and authentication of user data associated with telephone calls. A call security assessment computing platform may receive data associated with a telephone call made from a user computing device. Subsequently, the call security assessment computing platform may parse the received data to identify header information in a Session Initial Protocol (SIP) header. The platform then may analyze the header information to generate a call fingerprint for the telephone call. This call fingerprint may then be transmitted to one or more call authentication computing platforms, which return one or more call security responses that may further characterize security features of the telephone call. The call fingerprint and the call security responses may then be used to determine a call security score, which may be transmitted in a notification to a call handling system in order to adjust how the call is handled.
    Type: Grant
    Filed: September 27, 2019
    Date of Patent: October 13, 2020
    Assignee: Bank of America Corporation
    Inventors: Dennis M. Osborne, Daniel L. Carpenter, Xianhong Zhang, Michael Toth
  • Publication number: 20200279033
    Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.
    Type: Application
    Filed: May 15, 2020
    Publication date: September 3, 2020
    Inventors: Hitesh Shah, Michael Toth
  • Patent number: 10698992
    Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.
    Type: Grant
    Filed: February 19, 2018
    Date of Patent: June 30, 2020
    Assignee: Bank of America Corporation
    Inventors: Hitesh Shah, Michael Toth
  • Publication number: 20200026828
    Abstract: Aspects of the disclosure relate to multicomputer processing and authentication of user data associated with telephone calls. A call security assessment computing platform may receive data associated with a telephone call made from a user computing device. Subsequently, the call security assessment computing platform may parse the received data to identify header information in a Session Initial Protocol (SIP) header. The platform then may analyze the header information to generate a call fingerprint for the telephone call. This call fingerprint may then be transmitted to one or more call authentication computing platforms, which return one or more call security responses that may further characterize security features of the telephone call. The call fingerprint and the call security responses may then be used to determine a call security score, which may be transmitted in a notification to a call handling system in order to adjust how the call is handled.
    Type: Application
    Filed: September 27, 2019
    Publication date: January 23, 2020
    Inventors: Dennis M. Osborne, Daniel L. Carpenter, Xianhong Zhang, Michael Toth
  • Publication number: 20200005262
    Abstract: A frictionless automated teller machine (ATM) computing system may include an ATM, an authentication server, and a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the user may log into the mobile device, which triggers the mobile device to send a geographic location to the authentication server. The authentication server then notifies the mobile device of a close ATM. In response, the mobile device may display a user interface screen to initiate a transaction. The ATM may be woken by the authorization server or a user input to complete the transaction causing the ATM to dispense the requested amount of currency.
    Type: Application
    Filed: June 27, 2018
    Publication date: January 2, 2020
    Inventors: Ashish Arora, Nathan Dent, Michael Toth, Harold Joseph Kennedy, Elizabeth Anne Price, Pavan Singaraju, Magdy Ismail, Varsha Devadas
  • Publication number: 20200005263
    Abstract: A frictionless automated teller machine (ATM) computing system may include an ATM and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM. After receipt of the confirmation, the ATM may prompt the user to enter an additional identifier. Upon confirmation of the additional identifier, the ATM may dispense a specified amount of currency.
    Type: Application
    Filed: June 27, 2018
    Publication date: January 2, 2020
    Inventors: Ashish Arora, Nathan Dent, Michael Toth, Harold Joseph Kennedy, Elizabeth Anne Price, Pavan Singaraju, Magdy Ismail, Varsha Devadas
  • Publication number: 20200005261
    Abstract: A transaction access point computing system may include an automated teller machine (ATM) or other transaction access point and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM along with a unified user identifier. After confirmation of the additional identifier, the ATM may dispense a specified amount of currency.
    Type: Application
    Filed: June 27, 2018
    Publication date: January 2, 2020
    Inventors: Ashish Arora, Nathan Dent, Michael Toth, Harold Joseph Kennedy, Elizabeth Anne Price, Pavan Singaraju, Magdy Ismail, Varsha Devadas
  • Patent number: 10430569
    Abstract: Aspects of the disclosure relate to multicomputer processing and authentication of user data associated with telephone calls. A call security assessment computing platform may receive data associated with a telephone call made from a user computing device. Subsequently, the call security assessment computing platform may parse the received data to identify header information in a Session Initial Protocol (SIP) header. The platform then may analyze the header information to generate a call fingerprint for the telephone call. This call fingerprint may then be transmitted to one or more call authentication computing platforms, which return one or more call security responses that may further characterize security features of the telephone call. The call fingerprint and the call security responses may then be used to determine a call security score, which may be transmitted in a notification to a call handling system in order to adjust how the call is handled.
    Type: Grant
    Filed: November 8, 2018
    Date of Patent: October 1, 2019
    Assignee: Bank of America Corporation
    Inventors: Dennis M. Osborne, Daniel L. Carpenter, Xianhong Zhang, Michael Toth
  • Publication number: 20190268329
    Abstract: Systems for providing secure access to systems are provided. A computing device may receive a request to access functionality which may include login credentials of a user. Upon receiving the request to access functionality, the computing device may execute a scan of an area surrounding the computing device to detect any wearable devices within proximity of the computing device that are linked to the computing device. The authenticating information and, in some examples, detected, linked wearable device, may be validated. Based on the validation, authentication response data may be generated and transmitted to an authentication computing platform which may cause the authentication computing platform to validate the authentication response data and cause the computing device to connect to a client interface computing platform.
    Type: Application
    Filed: February 27, 2018
    Publication date: August 29, 2019
    Inventors: Michael Toth, Hitesh Shah
  • Publication number: 20190268331
    Abstract: Systems for providing secure access to systems are provided. A computing device may receive a request to access functionality which may include login credentials of a user. Upon receiving the request to access functionality, advanced biometric data collected via a wearable device linked to the computing device at which the request was received may be received from the wearable device. The received login credentials and biometric data may be validated and authentication response data may be generated. The authentication response data may be transmitted from the computing device to an authentication computing platform which may cause the authentication computing platform to validate the authentication response data and cause the computing device to connect to a client interface computing platform.
    Type: Application
    Filed: February 27, 2018
    Publication date: August 29, 2019
    Inventors: Michael Toth, Hitesh Shah
  • Publication number: 20190258786
    Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.
    Type: Application
    Filed: February 19, 2018
    Publication date: August 22, 2019
    Inventors: Hitesh Shah, Michael Toth
  • Publication number: 20190245877
    Abstract: Systems for detecting unauthorized user and controlling dynamic user interface functionality are provided. The system may receive a request to access functionality that may include login credentials of a user. The request may also include additional information associated with a computing device from which the request is received. The request and additional data may be analyzing using one or more machine learning datasets to determine whether a user requesting access is an authorized user or an unauthorized user. If the user is an authorized user, the user may be authenticated to the system an authentic user interface having enabled functionality may be generated. If the user is an unauthorized user, a decoy user interface having functionality disabled may be generated.
    Type: Application
    Filed: February 5, 2018
    Publication date: August 8, 2019
    Inventors: Michael Toth, Xianhong Zhang
  • Publication number: 20190236248
    Abstract: Aspects of the disclosure relate to multicomputer processing and authentication of user data associated with telephone calls. A call security assessment computing platform may receive data associated with a telephone call made from a user computing device. Subsequently, the call security assessment computing platform may parse the received data to identify header information in a Session Initial Protocol (SIP) header. The platform then may analyze the header information to generate a call fingerprint for the telephone call. This call fingerprint may then be transmitted to one or more call authentication computing platforms, which return one or more call security responses that may further characterize security features of the telephone call. The call fingerprint and the call security responses may then be used to determine a call security score, which may be transmitted in a notification to a call handling system in order to adjust how the call is handled.
    Type: Application
    Filed: November 8, 2018
    Publication date: August 1, 2019
    Inventors: Dennis M. Osborne, Daniel L. Carpenter, Xianhong Zhang, Michael Toth
  • Publication number: 20190236265
    Abstract: Systems for dynamically authenticating users are provided. A system may receive a request to access functionality. In response to the received request, an authentication grid may be dynamically generated. The authentication grid may include a plurality of fields, each identifiable by a field identifier, and including one or more characters that may be used to authenticate a user. The authentication grid may be transmitted to a computing device of a user. A character for authentication may be identified by the system. In some arrangements, the system may generate a request for user input including a character appearing in the authentication grid. The user may identify the field and input the character appearing in the field. The system may receive the requested character and may compare it to the identified character for authentication. If the received character and the identified character match, functionality may be enabled. If a match does not exist, functionality may be disabled.
    Type: Application
    Filed: January 26, 2018
    Publication date: August 1, 2019
    Inventors: Rakesh Juyal, Michael Toth, Muniraju Jayaramaiah, Ashish Arora
  • Patent number: 10179517
    Abstract: A module system is configured for establishing a plurality of variants of a charging device of a vehicle and includes a first module type with a first interface and a second interface; multiple variants of a second module type, each having a first interface and a second interface, wherein the variants have different second interfaces; multiple variants of a third module type, each having a first interface and a second interface, wherein the variants have different second interfaces; wherein the first interface of the second module type is configured for coupling with the first interface of the first module type, wherein the first interface of the third module type is configured for coupling with the second interface of the first module type, and wherein the charging socket can be constructed from a coupling of a variant of the second module type, the first module type, and a variant of the third module type.
    Type: Grant
    Filed: September 21, 2013
    Date of Patent: January 15, 2019
    Assignee: Audi AG
    Inventor: Michael Toth