Inventor
TOTH MICHAEL E
US36 patents
Patents
36 patentsUS9331994B2May 3, 2016
User authentication based on historical transaction data
BANK OF AMERICA43 citations98
US9519934B2Dec 13, 2016
Restricted access to online banking
BANK OF AMERICA115 citations96
US9483766B2Nov 1, 2016
User authentication based on historical transaction data
BANK OF AMERICA19 citations92
US9477960B2Oct 25, 2016
User authentication based on historical transaction data
BANK OF AMERICA20 citations92
US9305149B2Apr 5, 2016
Sorting mobile banking functions into authentication buckets
BANK OF AMERICA18 citations92
US9208301B2Dec 8, 2015
Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location
BANK OF AMERICA22 citations92
US9647999B2May 9, 2017
Authentication level of function bucket based on circumstances
BANK OF AMERICA11 citations84
US9525685B2Dec 20, 2016
User authentication based on other applications
BANK OF AMERICA7 citations84
US9390242B2Jul 12, 2016
Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements
BANK OF AMERICA13 citations84
US9223951B2Dec 29, 2015
User authentication based on other applications
BANK OF AMERICA14 citations84
US9185101B2Nov 10, 2015
User authentication based on historical user behavior
BANK OF AMERICA20 citations84
US9185117B2Nov 10, 2015
User authentication by geo-location and proximity to user's close network
BANK OF AMERICA18 citations84
US9646342B2May 9, 2017
Remote control for online banking
BANK OF AMERICA11 citations82
US11176230B2Nov 16, 2021
Processing authentication requests to secured information systems based on user behavior profiles
BANK OF AMERICA4 citations73
US10050962B2Aug 14, 2018
Determining user authentication requirements along a continuum based on a current state of the user and/or the attributes related to the function requiring authentication
BANK OF AMERICA2 citations73
US9819680B2Nov 14, 2017
Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location
BANK OF AMERICA3 citations73
US9595025B2Mar 14, 2017
Sorting mobile banking functions into authentication buckets
BANK OF AMERICA2 citations73
US9509685B2Nov 29, 2016
User authentication based on other applications
BANK OF AMERICA3 citations73
US11113370B2Sep 7, 2021
Processing authentication requests to secured information systems using machine-learned user-account behavior profiles
BANK OF AMERICA2 citations71
US10965675B2Mar 30, 2021
Preventing unauthorized access to secure information systems using advanced pre-authentication techniques
BANK OF AMERICA4 citations69
US9633355B2Apr 25, 2017
Knowledge based verification of the identity of a user
BANK OF AMERICA4 citations64
US11797661B2Oct 24, 2023
Dynamically generating activity prompts to build and refine machine learning authentication models
BANK OF AMERICA0 citations62
US11790062B2Oct 17, 2023
Processing authentication requests to secured information systems based on machine-learned user behavior profiles
BANK OF AMERICA0 citations62
US11120109B2Sep 14, 2021
Processing authentication requests to secured information systems based on machine-learned event profiles
BANK OF AMERICA1 citations62
US11048793B2Jun 29, 2021
Dynamically generating activity prompts to build and refine machine learning authentication models
BANK OF AMERICA1 citations62
US9530124B2Dec 27, 2016
Sorting mobile banking functions into authentication buckets
BANK OF AMERICA2 citations62
US11775623B2Oct 3, 2023
Processing authentication requests to secured information systems using machine-learned user-account behavior profiles
BANK OF AMERICA1 citations60
US11036838B2Jun 15, 2021
Processing authentication requests to secured information systems using machine-learned user-account behavior profiles
BANK OF AMERICA0 citations60
US10965662B2Mar 30, 2021
Method and system for data communication and frictionless authentication
BANK OF AMERICA0 citations57
US10049195B2Aug 14, 2018
Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements
BANK OF AMERICA0 citations52
US9971885B2May 15, 2018
Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements
BANK OF AMERICA0 citations52
US9965606B2May 8, 2018
Determining user authentication based on user/device interaction
BANK OF AMERICA1 citations52
US9384478B2Jul 5, 2016
Offline mobile banking system
BANK OF AMERICA1 citations50
US10728256B2Jul 28, 2020
Cross channel authentication elevation via logic repository
BANK OF AMERICA0 citations38
US10721246B2Jul 21, 2020
System for across rail silo system integration and logic repository
BANK OF AMERICA0 citations37
US10853467B2Dec 1, 2020
Data access control using multi-device multifactor authentication
BANK OF AMERICA0 citations34