System for authenticating a user and enabling real-time approval notifications
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Apr 23, 2019
Grant Date -
Jan 18, 2018
app pub date -
Jul 13, 2016
filing date -
Jul 13, 2016
priority date (Note) -
In Force
status (Latency Note)
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Importance

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Abstract
Embodiments authenticate a user and an associate of an entity and enable real-time approval notifications by requesting one or more authentication credentials from the associate; authenticating the associate based on successful validation of the one or more authentication credentials received from the associate; populating an application for the user at least in part by receiving input from the associate; establishing a secure wireless communication channel with a user device; and wirelessly transmitting, from the system to the user device and over the secure wireless communication channel the populated application; instructions to cause the user device to authenticate the user based on successful validation of one or more user authentication credentials; and instructions to cause the user device, in response to authenticating the user, present the populated application to the user for verification of its accuracy.
First Claim
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Family

- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
Patent Owner | Address | |
---|---|---|
BANK OF AMERICA CORPORATION | MAIL CODE NC 1-027-20-05 214 N TRYON ST CHARLOTTE NC 28255 |
International Classification(s)

- 2016 Application Filing Year
- H04L Class
- 37326 Applications Filed
- 27972 Patents Issued To-Date
- 74.94 % Issued To-Date
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Campbell, Thomas E | Acton, US | 1 | 6 |
# of filed Patents : 1 Total Citations : 6 | |||
Peterson, Kristen Marie | Doylestown, US | 1 | 6 |
# of filed Patents : 1 Total Citations : 6 | |||
Sahu, Smita | Kendall Park, US | 2 | 34 |
# of filed Patents : 2 Total Citations : 34 |
Cited Art Landscape
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Patent Citation Ranking
- 0 Citation Count
- H04L Class
- 0 % this patent is cited more than
- 6 Age
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Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
---|---|---|---|---|
7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Oct 23, 2026 |
11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Oct 23, 2030 |
Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
Surcharge - 7.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
Surcharge - 11.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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