公开(公告)号：US20200351852A1

公开(公告)日：2020-11-05

申请号：US16399874

申请日：2019-04-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: H04W72/04 ,  G06F9/50 ,  H04W12/06 ,  H04W4/80

Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.

公开(公告)号：US20200350955A1

公开(公告)日：2020-11-05

申请号：US16399709

申请日：2019-04-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: H04B5/00 ,  G06K19/07 ,  G06K7/10 ,  H04W4/80

Abstract: Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.