公开(公告)号：US20190147479A1

公开(公告)日：2019-05-16

申请号：US15977334

申请日：2018-05-11

Applicant: Bank of America Corporation

Inventor： Mark Churchill Monaco ,  Tony England ,  Matthew D. Murphy ,  David C. Tyrie

IPC: G06Q30/02

Abstract: A system for integrating custom benefits into a communication transmission exchange is provided. The communication transmission exchange may include a plurality of entities. The system may include a receiver configured to receive a custom benefit selection. A second entity may perform the selection. The custom benefit may be associated with a first entity. The selection may trigger termination of any predetermined benefits to be communicated from a fourth entity to the second entity. The predetermined benefits may have been previously associated with a communication associated with the custom benefit. The selection may trigger instantiation of a communication line between the first entity and the second entity. The communication line may be for delivering a custom benefit communication, associated with the custom benefit, from the first entity to the second entity. The selection may also trigger deliverance of the custom benefit communication from the first entity to the second entity.

公开(公告)号：US20180211250A1

公开(公告)日：2018-07-26

申请号：US15415296

申请日：2017-01-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tony England ,  Michael K. Lee ,  Andrew DongHo Kim ,  Craig D. Widmann

IPC: G06Q20/38 ,  H04L29/08 ,  H04L29/06 ,  G06Q20/40

CPC classification number: G06Q20/385 ,  G06Q20/027 ,  G06Q20/108 ,  G06Q20/223 ,  G06Q20/3223 ,  G06Q20/388 ,  H04L63/0407 ,  H04L63/083 ,  H04L63/10 ,  H04L67/02 ,  H04L67/20

Abstract: Systems, computer program products, and methods are described herein for transfer of resources via a secure channel using an alias. The present invention receives a first alias associated with a user; dynamically generates a web portal associated with the entity to enable the user to input an authorization code; electronically receives, via the web portal, the authorization code from the user; determine a first resource event based on at least receiving the first alias and the authorization code; triggers the first resource event based on at least a successful validation of the authorization code; and transfers the resources from the user record associated with the third party to the target record via the secure channel in response to triggering the first resource event.

公开(公告)号：US20170235454A1

公开(公告)日：2017-08-17

申请号：US15294088

申请日：2016-10-14

Applicant: Bank of America Corporation

Inventor： Stephen Philip Selfridge ,  Tony England ,  Farhan Ahmed Siddiqi

IPC: G06F3/0484 ,  H04W4/02 ,  G06F17/30

CPC classification number: G06F3/0484 ,  G06F21/31 ,  H04W4/021

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a centralized, integrated geolocation resource transfer system that is configured to facilitate operative communication between resource entity systems and external devices located within the geographic fence. In this regard, the invention is configured to dynamically identify a plurality of users located within the geographic fence, in real-time. In addition, the invention is configured to facilitate a resource entity system to customize a user interface of a user device based on the user's location. Furthermore, the system is configured to optimize flux parameters and resource distribution in a geographic fence.

公开(公告)号：US09547849B2

公开(公告)日：2017-01-17

申请号：US14973899

申请日：2015-12-18

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06K19/06 ,  G06Q20/10 ,  G06Q20/34 ,  G06K19/077 ,  G06K19/07 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/105 ,  G06K19/06206 ,  G06K19/0727 ,  G06K19/07701 ,  G06K19/07749 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3563 ,  G06Q20/3829 ,  G06Q20/401

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, and a battery. The battery may power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response to the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract translation: 提供了一种使用智能卡的方法。 智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低能量（“BLE”）设备和电池。 电池可以为BLE和微处理器芯片供电。 智能卡还可能包括内存。 内存可以存储动态交易授权号码。 智能卡还可以包括动态磁条。 动态磁条可以包括动态交易授权号的数字表示。 该方法可以包括按压按钮。 该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。 指令的发送可以响应于按钮的按下。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US09390407B2

公开(公告)日：2016-07-12

申请号：US14973908

申请日：2015-12-18

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06K19/06 ,  G06Q20/10 ,  G06Q20/34 ,  G06K19/077 ,  G06K19/07 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/105 ,  G06K19/06206 ,  G06K19/0727 ,  G06K19/07701 ,  G06K19/07749 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3563 ,  G06Q20/3829 ,  G06Q20/401

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, and a battery. The battery may power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response to the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract translation: 提供了一种使用智能卡的方法。 智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低能量（“BLE”）设备和电池。 电池可以为BLE和微处理器芯片供电。 智能卡还可能包括内存。 内存可以存储动态交易授权号码。 智能卡还可以包括动态磁条。 动态磁条可以包括动态交易授权号的数字表示。 该方法可以包括按压按钮。 该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。 指令的发送可以响应于按钮的按下。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US20160104136A1

公开(公告)日：2016-04-14

申请号：US14973908

申请日：2015-12-18

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06Q20/10 ,  G06Q20/32 ,  G06K19/07 ,  G06K19/077 ,  G06K19/06

CPC classification number: G06Q20/105 ,  G06K19/06206 ,  G06K19/0727 ,  G06K19/07701 ,  G06K19/07749 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3563 ,  G06Q20/3829 ,  G06Q20/401

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract translation: 提供了一种使用智能卡的方法。 智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低功耗（“BLE”）设备。 智能卡还可以包括电池。 电池可以配置为为BLE和微处理器芯片供电。 智能卡还可能包括内存。 可以将存储器配置为存储动态交易授权号码。 智能卡还可以包括动态磁条。 动态磁条可以包括动态交易授权号的数字表示。 使用智能卡的方法可以包括按下按钮。 该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。 指令的发送可以是按下按钮的响应。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US09218596B2

公开(公告)日：2015-12-22

申请号：US14263013

申请日：2014-04-28

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06Q40/00 ,  G06Q20/34 ,  G06K19/06 ,  G06K19/077

CPC classification number: G06Q20/105 ,  G06K19/06206 ,  G06K19/0727 ,  G06K19/07701 ,  G06K19/07749 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3563 ,  G06Q20/3829 ,  G06Q20/401

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, and a battery. The battery may power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response to the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract translation: 提供了一种使用智能卡的方法。 智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低能量（“BLE”）设备和电池。 电池可以为BLE和微处理器芯片供电。 智能卡还可能包括内存。 内存可以存储动态交易授权号码。 智能卡还可以包括动态磁条。 动态磁条可以包括动态交易授权号的数字表示。 该方法可以包括按压按钮。 该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。 指令的发送可以响应于按钮的按下。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US20140279471A1

公开(公告)日：2014-09-18

申请号：US13827665

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tony England ,  Scott Lee Harkey ,  Matthew A. Calman

IPC: G06Q20/34

CPC classification number: G06Q20/3572 ,  G06Q20/405

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule.

Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于向客户提供与客户的可用支付车辆相关联的单个交易卡。 因此，单个交易卡可以被客户用来完成与商家的交易。 随后，根据客户规则或客户选择，本发明可以将交易引导到所选择的支付车辆。 规则包括客户可以输入的任何偏好，允许本发明自动将单个交易卡交易应用于支付车辆。 因此，可以针对特定商家触发规则，特定交易金额，特定位置等。 如果通过使用单个交易卡进行的交易触发了规则，则触发的交易将被自动应用于与该规则相关的支付工具。