Patents by Inventor William B. Belchee

William B. Belchee 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: 10069932
    Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive one or more account access rules, the account access rules comprising restrictions on accessing an online account through one or more access methods, and receive, via a first access method, a request to access the online account. The processor is configured, when executing the instructions, to determine, based on the account access rules, whether the online account may be accessed using the first access method.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: September 4, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, William B. Belchee, Michael P. Lynch
  • Patent number: 9942238
    Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a first user associated with an online account, a first request to allow access, by a second user not associated with the online account, to the online account, send, in response to the first request, a second request to the second user for credentials, and receive, in response to the second request, credentials from the second user. The process is configured, when executing the instructions, to generate, for the online account based on the first and the credentials received from the second user, an access profile associated with the second user.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: April 10, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, William B. Belchee
  • Patent number: 9942237
    Abstract: According to one embodiment, a system comprises a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The processor is configured, when executing the instructions, to determine one or more characteristics of a user device, determine, based on the one or more characteristics of the user device, a risk level associated with the user device, and apply, to the user device, one or more access restrictions for an online account based on the determined risk level.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: April 10, 2018
    Assignee: Bank of America Corporation
    Inventors: William B. Belchee, Elizabeth S. Votaw
  • Publication number: 20170063866
    Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a first user associated with an online account, a first request to allow access, by a second user not associated with the online account, to the online account, send, in response to the first request, a second request to the second user for credentials, and receive, in response to the second request, credentials from the second user. The process is configured, when executing the instructions, to generate, for the online account based on the first and the credentials received from the second user, an access profile associated with the second user.
    Type: Application
    Filed: August 28, 2015
    Publication date: March 2, 2017
    Inventors: Elizabeth S. Votaw, William B. Belchee
  • Publication number: 20170063925
    Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive one or more account access rules, the account access rules comprising restrictions on accessing an online account through one or more access methods, and receive, via a first access method, a request to access the online account. The processor is configured, when executing the instructions, to determine, based on the account access rules, whether the online account may be accessed using the first access method.
    Type: Application
    Filed: August 28, 2015
    Publication date: March 2, 2017
    Inventors: Elizabeth S. Votaw, William B. Belchee, Michael P. Lynch
  • Publication number: 20170063820
    Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive an indication of a sign-on event for a first application installed on a user device, and the processor is configured, when executing the instructions, to perform, in response to the sign-on event, one or more first account security functions.
    Type: Application
    Filed: August 28, 2015
    Publication date: March 2, 2017
    Inventors: William B. Belchee, Elizabeth S. Votaw, Michael P. Lynch
  • Publication number: 20170063865
    Abstract: According to one embodiment, a system comprises a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The processor is configured, when executing the instructions, to determine one or more characteristics of a user device, determine, based on the one or more characteristics of the user device, a risk level associated with the user device, and apply, to the user device, one or more access restrictions for an online account based on the determined risk level.
    Type: Application
    Filed: August 28, 2015
    Publication date: March 2, 2017
    Inventors: William B. Belchee, Elizabeth S. Votaw
  • Publication number: 20170061440
    Abstract: According to one embodiment, a system includes a memory comprising instructions; an interface; and a processor communicatively coupled to the memory and the interface. The interface is configured to receive an indication of a trigger event associated with a user account. The processor is configured, when executing the instructions, to select one or more transactions of a plurality of transactions associated with the user account, determine, for each of the selected transactions using one or more rules, whether the transaction is potentially fraudulent, and generate, for each transaction identified as potentially fraudulent, a notification comprising an identification of the transaction.
    Type: Application
    Filed: August 28, 2015
    Publication date: March 2, 2017
    Inventor: William B. Belchee