US 9,177,317 B2Granted

System and method for consumer protection

AssigneeBank of America Corporation

InventorClay D. Newton

Life of this patent

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Abstract

A method for combating website spoofing can be used in connection with a website for a financial institution accessible by a plurality of users. Registration information is stored for a user having a financial account with the financial institution, including user login information and customization information for a website associated with the financial institution. A marker is issued, to be stored on a computer used by the user to access the website. At some point, a request is received from the user to display a webpage of the website on the computer, and the user is recognized based on the marker. A webpage is then provided to the computer, having an interface with an attribute customized according to the customization information. The user login information is entered via the website. Upon receiving the user login information, the user is provided access to the financial account.

Claims18

Dependent claims

A computer-assisted method comprising:

storing, in memory, registration information for a user having a financial account with a financial institution, the registration information comprising user login information for a website associated with the financial institution, wherein the website has a webpage with an interface having a visual icon attribute configured to be customized by the user;
receiving a first entry of the user login information for the user, at a processor in communication with the memory, via the website;
issuing a marker, from the processor, to be stored on a computer used by the user to access the website;
providing a prompt, from the processor to the computer, for the user to customize the visual icon attribute, wherein the prompt is mandatory and is provided after receiving the first entry of the user login information;
receiving, at the processor, instructions from the user to customize the visual icon attribute, in response to the prompt, wherein the prompt is delivered as at least one of:
(i) a link on the webpage, (ii) an e-mail, (iii) an instant message, and (iv) text message;
receiving, at the processor, a request from the user to access the financial account via the website on the computer, subsequent to receiving the instructions, wherein a second entry of the user login information is required to access the financial account;
recognizing the user, by the processor, based on the marker;
providing the webpage, from the processor to the computer, in response to the request, wherein the interface of the webpage has the visual icon attribute customized according to the instructions;
receiving the second entry of the user login information for the user, at the processor, via the website, subsequent to providing the webpage with the visual icon attribute customized;
and
providing the user access to the financial account upon receiving the second entry of the user login information.

9 more elements

A computer system comprising:

a memory for storing information, including registration information for a user having a financial account with a financial institution, the registration information comprising user login information for a website associated with the financial institution, wherein the website has a webpage with an interface having a visual icon attribute configured to be customized by the user, the information further including computer-executable instructions;
and
a processor in communication with the memory, the processor configured for executing the computer-executable instructions to perform the steps of:
receiving a first entry of the user login information for the user via the website;
issuing a marker to be stored on a computer used by the user to access the website;
providing a prompt, from the processor to the computer, for the user to customize the visual icon attribute, wherein the prompt is mandatory and is provided after receiving the first entry of the user login information;
receiving instructions from the user to customize the visual icon attribute, in response to the prompt, wherein the prompt is delivered as at least one of:
(i) a link on the webpage, (ii) an e-mail, (iii) an instant message, and (iv) text message;
receiving a request from the user to access the financial account via the website on the computer, subsequent to receiving the instructions, wherein a second entry of the user login information is required to access the financial account;
recognizing the user based on the marker;
providing the webpage to the computer in response to the request, wherein the interface of the webpage has the visual icon attribute customized according to the instructions;
receiving the second entry of the user login information for the user via the website, subsequent to providing the webpage with the visual icon attribute customized;
and
providing the user access to the financial account upon receiving the second entry of the user login information.

11 more elements

Dependencies are inferred from the claim text.

Facts

Application: 11/864,199Filed 28 Sep 2007
Published: US 2009/0089215 A12 Apr 2009
Granted: 3 Nov 2015
Term ends: Not estimatedThe source records don’t support an estimate.

Classification5 codes

G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…
G06F 21/445
Program or device authentication: by mutual authentication, e.g. between devices or programs
G06Q 20/3821
Insuring higher security of transaction: electronic credentials
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial