DISASTER-RELIEF CARDS

• US 20130212014A1
• Filed: 02/09/2012
• Published: 08/15/2013
• Est. Priority Date: 02/09/2012
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Dent, Nathan, Fitzgerald, Richard L., Dolphin, James
• Application Number:
  US13/369,523
• Publication Number:
  US 20130212014A1
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the locale, authenticating identification of the client, interfacing with an entity administering an account for the client, and facilitating access by the client to the account. The methods and apparatus may also provide support of non-account-related disaster-relief efforts associated with the locale.

Claims

1. An apparatus for granting access to an account associated with an entity, said granting being to a client without client-borne physical articles of accountholder-identification, said client associated with a locale impacted by an event that impairs client-access to the entity, the apparatus comprising:

a receiving module configured to receive from the client a request for access to the account, said access requested in the absence of client-borne physical accountholder-identification; and

a digital logical processing module configured to;

authenticate the client as a holder of the account; and

grant account-access to the client, said account-access performed through a mobile platform activated in the locale by the entity in response to the event.

2. The apparatus of claim 1, wherein the receiving module and the logical processing module are associated with the mobile platform.

3. The apparatus of claim 1, wherein the mobile platform comprises an ATM (Automated Teller Machine).

4. The apparatus of claim 1, wherein the granting comprises issuing to the client a physical article of accountholder-identification.

5. One or more non-transitory computer readable media having code stored thereon which, when executed by a processor, facilitates a method of granting access to an account associated with an entity, said granting being to a client without client-borne physical articles of accountholder-identification, said client associated with a locale impacted by an event that reduces client-access to the entity, the method comprising:

receiving from the client a request for access to the account, said access requested in the absence of client-borne physical accountholder-identification;

authenticating the client as a holder of the account; and

granting account-access to the client, said granting performed through a mobile platform activated in the locale by the entity in response to the event.

6. The media of claim 5 wherein, in the method, the authenticating comprises receiving identification information from the client and comparing the received identification information to information stored in an entity account-related database.

7. The media of claim 6, wherein the method further comprises:

transferring the received identification information to an entity site;

comparing the received identification information to information stored in an entity account-related database associated with the site; and

transferring back information associated with results of the comparing.

8. The media of claim 7, wherein the method further comprises implementing the transferring of information to and from the entity site via secure wireless data transmission associated with the platform.

9. The media of claim 5, wherein, in the method, the granting comprises issuing to the client a physical article of accountholder-identification.

10. The media of claim 9, wherein, in the method, the physical article of accountholder-identification comprises an ATM (Automatic Teller Machine) card.

11. The media of claim 9, wherein, in the method, the physical article of accountholder-identification comprises a device that includes an electronic chip.

12. The media of claim 11, wherein, in the method, the issuing comprises implanting the device.

13. The media of claim 9, wherein the method further comprises issuing the physical article of accountholder-identification unactivated to access the account, with at least one additional step required for activation.

14. The media of claim 5, wherein, in the method:

the requested access is establishment of the account; and

the authentication is establishment of the client as the holder of the account.

15. The media of claim 14, wherein the method further comprises setting a balance of the account based on assets deposited into the account by the client.

16. The media of claim 5, wherein the method further comprises issuing to the client a card associated with a value, the value corresponding to funds securely transferred by the client to the entity.

17. The media of claim 5, wherein, in the method, the mobile platform features a data-input module, a data-storage module and a data-display module.

18. The media of claim 17, wherein, in the method, the mobile platform comprises a data-processing module, a module for producing financial-service cards, and a module for wireless communication.

19. The media of claim 18, wherein the method further comprises authorizing a locale-associated business to conduct at least one business function via access to at least one module of the mobile platform.

20. The media of claim 19, wherein the method further comprises access to the at least one module comprising access via electronic apparatus located at the business-site.

21. The media of claim 19, wherein, in the method, the at least one business function comprises check processing.

22. A method for granting access to an account associated with an entity, said granting being to a client without client-borne physical articles of accountholder-identification, said client associated with a locale impacted by an event that impairs client-access to the entity, the method comprising:

using a receiver for receiving from the client a request for access to the account, said access requested in the absence of client-borne physical accountholder-identification;

using a logic processing unit for authenticating the client as a holder of the account and for granting account-access to the client; and

using a mobile platform for performing the account-access, the mobile platform activated in the locale by the entity in response to the event.

23. The method of claim 22, further comprising using the receiver for receiving identification information from the client and using the logic processing unit for comparing the received identification information to information stored in an entity account-related database to authenticate the client.

24. The method of claim 23, the received identification information comprising client-identifying biometric information.

25. The method of claim 22, the granting comprising issuing to the client a physical article of accountholder-identification.

26. The method of claim 25, the issuing comprising issuing the physical article of accountholder-identification unactivated to access the account, with at least one additional step required for activation.

27. The method of claim 22, wherein:

the requested access is establishment of the account; and

the authentication is establishment of the client as the holder of the account.