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Re:Bank of America Patent Application #20140229239 – “Face R... by asah on Tuesday April 28, 2015 @10:50PM (#9456239)
IANAL but this screams "business method" patent, i.e. unlikely to get issued: https://www.google.com/search?q="business+method"+patent

aside: IMHO it's a great idea!!! hats off, BofA!

Re:Bank of America Patent Application #20140229239 – “Face R... by RedLeg on Tuesday April 28, 2015 @11:00PM (#9456263)
IAAL. Yep, it has been initially classified by the USPTO as belonging to class 705, which is for business methods.