Ian E Sundberg

US Patent:

20130046689, Feb 21, 2013

Filed:

Aug 16, 2011

Appl. No.:

13/210798

Inventors:

Ian Erik Sundberg - Charlotte NC, US
Cary Edward Moore - Webster TX, US
William E. Kelley - Charlotte NC, US
Michael Toth - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 42, 235379

Abstract:

A system includes a memory for storing user account information and mobile device information; and a processor. The processor receives a request for a transaction. The request includes a user identifier, a transaction amount, and a transaction recipient identifier. The processor further generates a transaction code. The processor further communicates the transaction code to a user device. The processor further receives, from a mobile device, a transaction confirmation message, wherein the user device and the mobile device are separate devices. The transaction confirmation message includes a confirmation of the request for the transaction and a unique identifier of the mobile device. The processor further compares the unique identifier of the mobile device with the stored mobile device information. In response to a determination that the unique identifier of the mobile device matches the stored mobile device information, the processor further allows the transaction to occur.

US Patent:

20100114731, May 6, 2010

Filed:

Jan 30, 2009

Appl. No.:

12/362565

Inventors:

Tamara S. Kingston - Peoria AZ, US
Joseph D. Zaruba - Wilmington DE, US
Joseph A. Giordano - Waxhaw NC, US
Ian E. Sundberg - Charlotte NC, US
Jamie Ashfield - Charlotte NC, US

International Classification:

G06Q 20/00
G06Q 30/00
G06Q 40/00

US Classification:

705 26, 705 41

Abstract:

A method according to the invention may preferably include displaying on a computer display a menu bar that includes an online shopping enhancement icon. The method may further include receiving a selection of the icon. The method may also include, in response to receiving a selection of the icon, displaying an online shopping enhancement dialogue box including a selectable option for displaying user bank account information.

US Patent:

20200327513, Oct 15, 2020

Filed:

Jun 29, 2020

Appl. No.:

16/914660

Inventors:

- Toronto, CA
Lauren VAN HEERDEN - Bedford NH, US
Ian SUNDBERG - Charlotte NC, US
Anand KANNAN - North York, CA
Orin DEL VECCHIO - Richmond Hil, CA

International Classification:

G06Q 20/10
G06Q 20/40

Abstract:

An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.

US Patent:

20140365377, Dec 11, 2014

Filed:

Jun 10, 2014

Appl. No.:

14/301082

Inventors:

- Mississauga, CA
Lauren Van Heerden - Bedford NH, US
Ian Sundberg - Charlotte NC, US
Anand Kannan - North York, CA
Orin Del Vecchio - Richmond Hill, CA

International Classification:

G06Q 20/38
G06Q 20/08

US Classification:

705 78

Abstract:

A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card. The server authorizes the transaction in response to authenticating the cardholder using the account number of the located authentication card.