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US 8,943,557 B2Granted
Enrollment of user in device identification program
AssigneeBank of America Corporation
InventorWilliam Earnest Kelley
Life of this patent
Estimating the term…
Abstract
Embodiments of the invention are directed to systems, methods and computer program products for enrolling a user in a device identification program. In some embodiments, a system is configured to: receive device identification information from a mobile device, receive user information associated with a user, the user information enabling identification of the user, associate the device identification information with the user information, and create a record based on the device identification information and the user information.
Claims19
An apparatus for enrolling a user in a device identification program, in accordance with embodiments of the present invention, the apparatus comprising:
- a memory;
- a processor;
- and
- a module stored in the memory, executable by the processor, and configured to:
- receive device identification information from a mobile device, wherein the device information comprises at least one of a serial number of a removable part of the mobile device, an international mobile station equipment identity code, mobile location information, and/or a serial number associated with a subscriber identification module;
- receive user information associated with the user, the user information enabling identification of the user;
- determine a financial institution account of the user corresponding to the received device information and the received user information;
- authenticate the user based on at least determining the financial institution account of the user based on at least the received device identification information and the received user information;
- determine a location of the mobile device;
- enable a user access to a first tier of executable transactions associated with the financial institution account of the user, wherein the first tier of executable transactions comprises at least one of access to a current balance, a bill pay alert, and an offer, wherein the first tier of executable transactions are configured to be executed on the mobile device when the mobile device is located within a predefined radius of one or more facilities associated with the financial institution;
- search a list of permitted locations associated with the financial institution account;
- determine whether the location matches a permitted location from the list of permitted locations;
- in response to determining the location matches the permitted location, enable the user access on the mobile device to a second tier of executable transactions associated with the financial institution account of the user, wherein the permitted location is a location from where the user previously accessed the first tier of executable transactions or the second tier of executable transactions on the mobile device at least a predetermined number of times.
10 more elements
A method for enrolling a user in a device identification program, the method comprising:
- receiving, using a computing device processor, device identification information from a mobile device, wherein the device information comprises at least one of a serial number of a removable part of the mobile device, an international mobile station equipment identity code, mobile location information, and/or a serial number associated with a subscriber identification module;
- receiving, using a computing device processor, user information associated with the user, the user information enabling identification of the user;
- determining, using a computing device processor, a financial institution account of the user corresponding to the received device information and the received user information;
- authenticating, using a computing device processor, the user based on at least determining the financial institution account of the user based on at least the received device identification information and the received user information;
- determining, using a computing device processor, a location of the mobile device;
- enabling, using a computing device processor, a user access to a first tier of executable transactions associated with the financial institution account of the user, wherein the first tier of executable transactions comprises at least one of access to a current balance, a bill pay alert, and an offer, wherein the first tier of executable transactions are configured to be executed on the mobile device when the mobile device is located within a predefined radius of one or more facilities associated with the financial institution;
- searching, using a computing device processor, a list of permitted locations associated with the financial institution account;
- determining, using a computing device processor, whether the location matches a permitted location from the list of permitted locations;
- in response to determining the location matches the permitted location, enabling, using a computing device processor, the user access on the mobile device to a second tier of executable transactions associated with the financial institution account of the user, wherein the permitted location is a location from where the user previously accessed the first tier of executable transactions or the second tier of executable transactions on the mobile device at least a predetermined number of times.
6 more elements
A computer program product for enrolling a user in a device identification program, the computer program product comprising:
- a non-transitory computer-readable medium comprising a set of codes for causing a computer to:
- receive device identification information from a mobile device, wherein the device information comprises at least one of a serial number of a removable part of the mobile device, an international mobile station equipment identity code, mobile location information, and/or a serial number associated with a subscriber identification module;
- receive user information associated with the user, the user information enabling identification of the user;
- determine a financial institution account of the user corresponding to the received device information and the received user information;
- authenticate the user based on at least determining the financial institution account of the user based on at least the received device identification information and the received user information;
- determine a location of the mobile device;
- enable a user access to a first tier of executable transactions associated with the financial institution account of the user, wherein the first tier of executable transactions comprises at least one of access to a current balance, a bill pay alert, and an offer, wherein the first tier of executable transactions are configured to be executed on the mobile device when the mobile device is located within a predefined radius of one or more facilities associated with the financial institution;
- search a list of permitted locations associated with the financial institution account;
- determine whether the location matches a permitted location from the list of permitted locations;
- in response to determining the location matches the permitted location, enable the user access on the mobile device to a second tier of executable transactions associated with the financial institution account of the user, wherein the permitted location is a location from where the user previously accessed the first tier of executable transactions or the second tier of executable transactions on the mobile device at least a predetermined number of times.
7 more elements
Dependencies are inferred from the claim text.