Remote control for online banking

• US 9,646,342 B2
• Filed: 07/19/2013
• Issued: 05/09/2017
• Est. Priority Date: 07/19/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Calman, Matthew A., Kelley, William E., Purvis, Chris, Jain, Dipika, Toth, Michael E.
• Primary Examiner(s): Patel, Jagdish
• Application Number:
  US13/946,183
• Publication Number:
  US 20150026025A1
• Time in Patent Office: 1,390 Days
• Field of Search: 705 35, 705 42, 705 44
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Disclosed is a system and associated method of using a customer'"'"'s mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer'"'"'s online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer'"'"'s online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer'"'"'s online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer'"'"'s online banking account and (ii) the mobile device is bound to the computing device.

Claims

1. A system for providing remote control of a customer'"'"'s online banking account, comprising:

a computer apparatus including a processor and a memory; and

an online banking module stored in the memory, executable by the processor and configured to;

receive an association request from the customer to associate a first mobile device with the customer'"'"'s online banking account, the association request comprising device identification information associated with the first mobile device and first account identification information associated with the customer'"'"'s online banking account;

associate the device identification information associated with the first mobile device with the customer'"'"'s online banking account and create an association record based on the device identification information associated with the first mobile device and the first account identification information associated with the customer'"'"'s online banking account;

receive a binding request from the customer to bind the first mobile device with a first computing device, the binding request comprising the device identification information associated with the first mobile device, device identification information associated with the first computing device, and second account identification information associated with the customer'"'"'s online banking account;

bind the device identification information associated with the first mobile device with the device identification information associated with the first computing device and create a binding record based on the device identification information associated with the first mobile device, the device identification information associated with the first computing device. and the second account identification information associated with the customer'"'"'s online banking account;

receive a remote access command associated with the customer'"'"'s online banking account from the first mobile device, the remote access command comprising the device identification information associated with the first mobile device, the device identification information associated with the first computing device, third account identification information associated with the customer'"'"'s online banking account and at least one location restriction defining the first computing device'"'"'s access to the online banking account;

receive, at the processor, from the first computing device, GPS coordinates corresponding to the current location of the first computing device;

determine, based on the GPS coordinates received from the first computing device, whether the first computing device has access to the online banking account;

search a database of records to determine, based on (a) the device identification information associated with the first mobile device, (b) the device identification information associated with the first computing device, and (c) the third account identification information associated with the customer'"'"'s online banking account comprised in the remote access command;

(i) if the device identification information associated with the first mobile device is associated with the third account identification information and (ii) if the device identification information associated with the first mobile device is bound to the device identification information associated with the first computing device; and

transmit a command to the first computing device based on the remote access command and determining that (i) the device identification information associated with the first mobile device is associated with the third account identification information (ii) the device identification information associated with the first mobile device is bound to the device identification information associated with the first computing device, and (iii) the first computing device has access to the online banking account, wherein, upon receiving the command the first computing device automatically opens an online banking application installed on the first computing device and initiates an online banking session by logging the first computing device onto the customer'"'"'s online banking account using the online banking application.

2. The system according to claim 1, wherein the online banking module is configured to:

receive first authentication information from the first mobile device;

determine that the first authentication information is associated with the customer'"'"'s online banking account;

initiate an online banking session with the first mobile device based on determining that the first authentication information is associated with the customer'"'"'s online banking account;

thereafter, receive second authentication information from the first mobile device; and

determine that the second authentication information is associated with the customer'"'"'s online banking account;

wherein associating the device identification information associated with the first mobile device with the customer'"'"'s online banking account and creating an association record is further based on determining that the second authentication information is associated with the customer'"'"'s online banking account.

3. The system according to claim 2, wherein:

the first authentication information comprises a username and a password; and

the second authentication information comprises a personal identification number (PIN) and/or biometric information.

4. The system according to claim 1, wherein the online banking module is configured to:

before receiving the remote access command, receive an online banking session initiation request from the first mobile device, the online banking session initiation request comprising the device identification information associated with the first mobile device;

determine that the device identification information associated with the first mobile device is associated with the customer'"'"'s online banking account;

initiate an online banking session with the first mobile device based on determining that the device identification information associated with the first mobile device is associated with the customer'"'"'s online banking account;

thereafter, receive authentication information from the first mobile device; and

determine that the authentication information is associated with the customer'"'"'s online banking account;

wherein transmitting the command to the first computing device is further based on determining that the authentication information is associated with the customer'"'"'s online banking account.

5. The system according to claim 4, wherein:

the authentication information comprises a personal identification number (PIN) and/or biometric information.

6. A computer program product for remote control of a customer'"'"'s online banking account, comprising a non-transitory computer-readable storage medium having computer-executable instructions for:

receiving an association request from the customer to associate a first mobile device with the customer'"'"'s online banking account, the association request comprising device identification information associated with the first mobile device and first account identification information associated with the customer'"'"'s online banking account;

associating the device identification information associated with the first mobile device with the customer'"'"'s online banking account and creating an association record based on the device identification information associated with the first mobile device and the first account identification information associated with the customer'"'"'s online banking account;

receiving a binding request from the customer to bind the first mobile device with a first computing device, the binding request comprising the device identification information associated with the first mobile device, device identification information associated with the first computing device, and second account identification information associated with the customer'"'"'s online banking account;

binding the device identification information associated with the first mobile device with the device identification information associated with the first computing device and creating a binding record based on the device identification information associated with the first mobile device, the device identification information associated with the first computing device, and the second account identification information associated with the customer'"'"'s online banking account;

receiving a remote access command associated with the customer'"'"'s online banking account from the first mobile device, the remote access command comprising the device identification information associated with the first mobile device, the device identification information associated with the first computing device, third account identification information associated with the customer'"'"'s online banking account and at least one location restriction defining the first computing device'"'"'s access to the online banking account;

receiving, at the processor, from the first computing device, GPS coordinates corresponding to the current location of the first computing device;

determining, based on the GPS coordinates received from the first computing device, whether the first computing device has access to the online banking account;

searching a database of records to determine, based on (a) the device identification information associated with the first mobile device, (b) the device identification information associated with the first computing device, and (c) the third account identification information associated with the customer'"'"'s online banking account comprised in the remote access command;

(i)if the device identification information associated with the first mobile device is associated with the third account identification information and (ii) if the device identification information associated with the first mobile device is bound to the device identification information associated with the first computing device; and

transmitting a command to the first computing device based on the remote access command and determining that (i) the device identification information associated with the first mobile device is associated with the third account identification information (ii) the device identification information associated with the first mobile device is bound to the device identification information associated with the first computing device, and (iii) the first computing device has access to the online banking account, wherein, upon receiving the command the first computing device automatically opens an online banking application installed on the first computing device and initiates an online banking session by logging the first computing device onto the customer'"'"'s online banking account using the online banking application.

7. The computer program product according to claim 6, wherein the non-transitory computer-readable storage medium has computer-executable instructions for:

receiving first authentication information from the first mobile device;

determining that the first authentication information is associated with the customer'"'"'s online banking account;

initiating an online banking session with the first mobile device based on determining that the first authentication information is associated with the customer'"'"'s online banking account;

thereafter, receiving second authentication information from the first mobile device; and

determining that the second authentication information is associated with the customer'"'"'s online banking account;

wherein associating the device identification information associated with the first mobile device with the customer'"'"'s online banking account and creating an association record is further based on determining that the second authentication information is associated with the customer'"'"'s online banking account.

8. The computer program product according to claim 7, wherein:

the first authentication information comprises a username and a password; and

the second authentication information comprises a personal identification number (PIN) and/or biometric information.

9. The computer program product according to claim 6, wherein the non-transitory computer-readable storage medium has computer-executable instructions for:

before receiving the remote access command, receiving an online banking session initiation request from the first mobile device, the online banking session initiation request comprising the device identification information associated with the first mobile device;

determining that the device identification information associated with the first mobile device is associated with the customer'"'"'s online banking account;

initiating an online banking session with the first mobile device based on determining that the device identification information associated with the first mobile device is associated with the customer'"'"'s online banking account;

thereafter, receiving authentication information from the first mobile device; and

determining that the authentication information is associated with the customer'"'"'s online banking account;

wherein transmitting the command to the first computing device is further based on determining that the authentication information is associated with the customer'"'"'s online banking account.

10. The computer program product according to according to claim 9, wherein:

the authentication information comprises a personal identification number (PIN) and/or biometric information.

11. A method For remote control of a customer'"'"'s online banking account, comprising:

receiving, with a computer processor, an association request from the customer to associate a first mobile device with the customer'"'"'s online banking account, the association request comprising device identification information associated with the first mobile device and first account identification information associated with the customer'"'"'s online banking account;

associating, with a computer processor, the device identification information associated with the first mobile, device with the customer'"'"'s online banking account and creating an association record based on the device identification information associated with the first mobile device and the first account identification information associated with the customer'"'"'s online banking account;

receiving, with a computer processor, a binding request from the customer to bind the first mobile device with a first computing device, the binding request comprising the device identification information associated with the first mobile device, device identification information associated with the first computing device, and second account identification information associated with the customer'"'"'s online banking account;

binding, with a computer processor, the device identification information associated with the first mobile device with the device identification information associated with the first computing device and creating a binding record based on the device identification information associated with the first mobile device, the device identification information associated with the first computing device, and the second account identification information associated with the customer'"'"'s online banking account;

receiving, with a computer processor, a remote access command associated with the customer'"'"'s online banking account from the first mobile device, the remote access command comprising the device identification information associated with the first mobile device, the device identification information associated with the first computing device, and third account identification information associated with the customer'"'"'s online banking account;

receiving, at the processor, from the first computing device, GPS coordinates corresponding to the current location of the first computing device;

determining, based on the GPS coordinates received from the first computing device, whether the first computing device has access to the online banking account;

searching, with a computer processor, a database of records to determine, based on (a) the device identification information associated with the first mobile device, (b) the device identification information associated with the first computing device, and (c) the third account identification information associated with the customer'"'"'s online banking account comprised in the remote access command;

(i) if the device identification information associated with the first mobile device is associated with the third account identification information and (ii) if the device identification information associated with the first mobile device is bound to the device identification information associated with the first computing device; and

transmitting a command to the first computing device based on the remote access command and determining that (i)the device identification information associated with the first mobile device is associated with the third account identification information (ii) the device identification information associated with the first mobile device is bound to the device identification information associated with the first computing device, and (iii) the first computing device has access to the online banking account, (iii) the first computing device has access to the online banking account, wherein, upon receiving the command the first computing device automatically opens an online banking application installed on the first computing device and initiates an online banking session by logging the first computing device onto the customer'"'"'s online banking account using the online banking application.

12. The method according to claim 11, comprising:

receiving first authentication information from the first mobile device;

determining that the first authentication information is associated with the customer'"'"'s online banking account;

initiating an online banking session with the first mobile device based on determining that the first authentication information is associated with the customer'"'"'s online banking account;

thereafter, receiving second authentication information from the first mobile device; and

determining that the second authentication information is associated with the customer'"'"'s online banking account;

wherein associating the device identification information associated with the first mobile device with the customer'"'"'s online banking account and creating an association record is further based on determining that the second authentication information is associated with the customer'"'"'s online banking account.

13. The method according to claim 12, wherein:

the first authentication information comprises a username and a password; and

the second authentication information comprises a personal identification number (PIN) and/or biometric information.

14. The method according to claim 11, comprising:

before receiving the remote access command, receiving an online banking session initiation request from the first mobile device, the online banking session initiation request comprising the device identification information associated with the first mobile device;

determining that the device identification information associated with the first mobile device is associated with the customer'"'"'s online banking account;

initiating an online banking session with the first mobile device based on determining that the device identification information associated with the first mobile device is associated with the customer'"'"'s online banking account;

thereafter, receiving authentication information from the first mobile device; and

determining that the authentication information is associated with the customer'"'"'s online banking account;

wherein transmitting the command to the first computing device is further based on determining that the authentication information is associated with the customer'"'"'s online banking account.

15. The method according to claim 14, wherein:

the authentication information comprises a personal identification number (PIN) and/or biometric information.