Inventor · disambiguated record
Michael E. Toth
Also filed as: TOTH MICHAEL · TOTH MICHAEL E
45 granted patents·12 pending applications·374 citations·filing 2011–2021
97Inventor score
Files withBANK OF AMERICA57
Top patents by PatentIndex Score
57 records- 0198US9331994B2User authentication based on historical transaction dataBANK OF AMERICA·Filed 2014·Granted May 3, 2016·43 cites·17 claims
- 0296US9519934B2Restricted access to online bankingBANK OF AMERICA·Filed 2013·Granted Dec 13, 2016·115 cites·9 claims
- 0396US9483766B2User authentication based on historical transaction dataBANK OF AMERICA·Filed 2016·Granted Nov 1, 2016·19 cites·6 claims
- 0496US9477960B2User authentication based on historical transaction dataBANK OF AMERICA·Filed 2016·Granted Oct 25, 2016·20 cites·11 claims
- 0595US9208301B2Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of locationBANK OF AMERICA·Filed 2014·Granted Dec 8, 2015·22 cites·25 claims
- 0694US9305149B2Sorting mobile banking functions into authentication bucketsBANK OF AMERICA·Filed 2014·Granted Apr 5, 2016·18 cites·18 claims
- 0793US9185101B2User authentication based on historical user behaviorBANK OF AMERICA·Filed 2014·Granted Nov 10, 2015·20 cites·20 claims
- 0892US9525685B2User authentication based on other applicationsBANK OF AMERICA·Filed 2015·Granted Dec 20, 2016·7 cites·15 claims
- 0992US9390242B2Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirementsBANK OF AMERICA·Filed 2014·Granted Jul 12, 2016·13 cites·18 claims
- 1092US9223951B2User authentication based on other applicationsBANK OF AMERICA·Filed 2014·Granted Dec 29, 2015·14 cites·14 claims
- 1192US9185117B2User authentication by geo-location and proximity to user's close networkBANK OF AMERICA·Filed 2014·Granted Nov 10, 2015·18 cites·17 claims
- 1289US10146919B1Multicomputer system for user data authentication and processingBANK OF AMERICA·Filed 2018·Granted Dec 4, 2018·9 cites·20 claims
- 1388US9647999B2Authentication level of function bucket based on circumstancesBANK OF AMERICA·Filed 2014·Granted May 9, 2017·11 cites·15 claims
- 1487US9646342B2Remote control for online bankingBANK OF AMERICA·Filed 2013·Granted May 9, 2017·11 cites·15 claims
- 1585US11176230B2Processing authentication requests to secured information systems based on user behavior profilesBANK OF AMERICA·Filed 2018·Granted Nov 16, 2021·4 cites·18 claims
- 1684US9509685B2User authentication based on other applicationsBANK OF AMERICA·Filed 2016·Granted Nov 29, 2016·3 cites·26 claims
- 1783US9819680B2Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of locationBANK OF AMERICA·Filed 2015·Granted Nov 14, 2017·3 cites·15 claims
- 1881US11775623B2Processing authentication requests to secured information systems using machine-learned user-account behavior profilesBANK OF AMERICA·Filed 2021·Granted Oct 3, 2023·1 cites·20 claims
- 1979US10050962B2Determining user authentication requirements along a continuum based on a current state of the user and/or the attributes related to the function requiring authenticationBANK OF AMERICA·Filed 2015·Granted Aug 14, 2018·2 cites·3 claims
- 2079US9595025B2Sorting mobile banking functions into authentication bucketsBANK OF AMERICA·Filed 2016·Granted Mar 14, 2017·2 cites·11 claims
- 2178US10965675B2Preventing unauthorized access to secure information systems using advanced pre-authentication techniquesBANK OF AMERICA·Filed 2018·Granted Mar 30, 2021·4 cites·16 claims
- 2277US9530124B2Sorting mobile banking functions into authentication bucketsBANK OF AMERICA·Filed 2016·Granted Dec 27, 2016·2 cites·6 claims
- 2374US11048793B2Dynamically generating activity prompts to build and refine machine learning authentication modelsBANK OF AMERICA·Filed 2018·Granted Jun 29, 2021·1 cites·20 claims
- 2472US11113370B2Processing authentication requests to secured information systems using machine-learned user-account behavior profilesBANK OF AMERICA·Filed 2018·Granted Sep 7, 2021·2 cites·20 claims
- 2571US9384478B2Offline mobile banking systemBANK OF AMERICA·Filed 2013·Granted Jul 5, 2016·1 cites·26 claims
- 2670US9633355B2Knowledge based verification of the identity of a userBANK OF AMERICA·Filed 2014·Granted Apr 25, 2017·4 cites·21 claims
- 2768US10958639B2Preventing unauthorized access to secure information systems using multi-factor, hardware based and/or advanced biometric authenticationBANK OF AMERICA·Filed 2018·Granted Mar 23, 2021·1 cites·21 claims
- 2867US11120109B2Processing authentication requests to secured information systems based on machine-learned event profilesBANK OF AMERICA·Filed 2018·Granted Sep 14, 2021·1 cites·18 claims
- 2967US10430569B2Multicomputer system for user data authentication and processingBANK OF AMERICA·Filed 2018·Granted Oct 1, 2019·1 cites·20 claims
- 3065US9965606B2Determining user authentication based on user/device interactionBANK OF AMERICA·Filed 2015·Granted May 8, 2018·1 cites·18 claims
- 3164US11797661B2Dynamically generating activity prompts to build and refine machine learning authentication modelsBANK OF AMERICA·Filed 2021·Granted Oct 24, 2023·0 cites·20 claims
- 3263US11790062B2Processing authentication requests to secured information systems based on machine-learned user behavior profilesBANK OF AMERICA·Filed 2021·Granted Oct 17, 2023·0 cites·20 claims
- 3359US10803154B2Multicomputer system for user data authentication and processingBANK OF AMERICA·Filed 2019·Granted Oct 13, 2020·0 cites·20 claims
- 3459US2015227926A1Determining user authentication requirements based on the current location of the user in comparison to a user's travel routeBANK OF AMERICA·Filed 2014·Application pending·0 cites
- 3558US2015363764A1Person-to-person (p2p) payments via a short-range wireless payment beaconBANK OF AMERICA·Filed 2014·Application pending·0 cites
- 3657US11528267B2System for automated image authentication and external database verificationBANK OF AMERICA·Filed 2019·Granted Dec 13, 2022·1 cites·8 claims
- 3757US2015363761A1Widget for promoting payments via a person-to-person (p2p) payment railBANK OF AMERICA·Filed 2014·Application pending·0 cites
- 3856US2015026054A1Customer-defined online-banking access restrictionsBANK OF AMERICA·Filed 2013·Application pending·0 cites
- 3956US2015026053A1Online banking alertsBANK OF AMERICA·Filed 2013·Application pending·0 cites
- 4055US11314850B2Preventing unauthorized access to secure information systems using advanced biometric authentication techniquesBANK OF AMERICA·Filed 2020·Granted Apr 26, 2022·0 cites·19 claims
- 4155US10049195B2Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirementsBANK OF AMERICA·Filed 2016·Granted Aug 14, 2018·0 cites·6 claims
- 4255US2015026057A1Completing mobile banking transaction with different devicesBANK OF AMERICA·Filed 2013·Application pending·0 cites
- 4355US2015026024A1Systems for managing account aggregators access to financial account informationBANK OF AMERICA·Filed 2013·Application pending·0 cites
- 4455US2015026056A1Completing mobile banking transaction from trusted locationBANK OF AMERICA·Filed 2013·Application pending·0 cites
- 4553US11036838B2Processing authentication requests to secured information systems using machine-learned user-account behavior profilesBANK OF AMERICA·Filed 2018·Granted Jun 15, 2021·0 cites·20 claims
- 4653US10698992B2Preventing unauthorized access to secure information systems using advanced biometric authentication techniquesBANK OF AMERICA·Filed 2018·Granted Jun 30, 2020·0 cites·20 claims
- 4752US9971885B2Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirementsBANK OF AMERICA·Filed 2016·Granted May 15, 2018·0 cites·12 claims
- 4847US2016055487A1Determining user authentication based on user patterns within applicationBANK OF AMERICA·Filed 2015·Application pending·0 cites
- 4945US10965662B2Method and system for data communication and frictionless authenticationBANK OF AMERICA·Filed 2018·Granted Mar 30, 2021·0 cites·12 claims
- 5044US11050769B2Controlling dynamic user interface functionality using a machine learning control engineBANK OF AMERICA·Filed 2018·Granted Jun 29, 2021·0 cites·21 claims
Showing the top 50 of 57 patent records by PatentIndex Score.
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Identity basis: PatentsView inventor disambiguation (2025Q4-odp release). How scoring works →