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11.发明授权Method and apparatus for providing real time mutable credit card information with future timestamp functionality 有权用于提供具有未来时间戳功能的实时可变信用卡信息的方法和装置公开(公告)号：US09508065B2
公开(公告)日：2016-11-29
申请号：US14973916
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: G06Q40/00 , G06Q20/10 , G06Q20/34 , G06K19/06 , 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。
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公开(公告)号：US11928661B2
公开(公告)日：2024-03-12
申请号：US17525081
申请日：2021-11-12
Applicant: Bank of America Corporation
Inventor： Tony England , Stephen Philip Selfridge
CPC classification number: G06Q20/204 , G06Q20/202 , G06Q20/3227 , G06Q20/3674 , G06Q20/40145 , G06Q20/4037 , G06V30/40 , G06V30/10
Abstract: Systems, computer program products, and methods are described herein for an authentication framework for real-time document processing. The present invention is configured to receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument; extract, using optical character recognition, payment instrument data from the payment instrument; receive one or more authentication credentials from the user to endorse the payment instrument; determine an authentication level of the user based on at least receiving the one or more authentication credentials from the user; determine whether the authentication level of the user meets an authentication requirement level associated with the processing of the payment instrument; and process, in real-time, the payment instrument.
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公开(公告)号：US11889480B2
公开(公告)日：2024-01-30
申请号：US17580957
申请日：2022-01-21
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: H04W72/044 , H04W4/80 , G06F9/50 , H04W12/06
CPC classification number: H04W72/044 , G06F9/5011 , H04W4/80 , H04W12/068
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.
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14.发明公开公开(公告)号：US20230367643A1
公开(公告)日：2023-11-16
申请号：US17743286
申请日：2022-05-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Steven Michael Twombly , Tony England , Robertson Walters Greenbacker , Bradley Ryan Holland , Sara A. Walsh
IPC: G06F9/50
CPC classification number: G06F9/5061
Abstract: Embodiments of the present invention provide a system for identification and management of layered dependent resource distribution devices. The system is configured for receiving an expunge request from a user to expunge a resource distribution device, via a user interface, determining one or more layered dependent resource distribution devices associated with the resource distribution device, displaying the one or more layered dependent resource distribution devices to the user, via the user interface, receiving a selective expunge request to expunge at least one layered dependent resource distribution device of the one or more layered dependent resource distribution devices, and expunging the resource distribution device associated with the expunge request and the at least one layered dependent resource distribution device of the one or more layered dependent resource distribution devices associated with the selective expunge request.
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公开(公告)号：US11722904B2
公开(公告)日：2023-08-08
申请号：US18085036
申请日：2022-12-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
CPC classification number: H04W12/68 , G06T19/006 , G06V40/20 , H04W12/068
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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Patent Agency Ranking
公开(公告)号：USD988343S1
公开(公告)日：2023-06-06
申请号：US29822275
申请日：2022-01-07
Applicant: BANK OF AMERICA CORPORATION
Designer： Justin Riley duPont , Charles Jason Burrell , Tony England , Michael Robert Hasslinger , Christina Ann Lillie , John Allen Sellers
Abstract: The FIGURE is a front view of a display screen with graphical user interface showing our new design.
The broken line showing of a display screen with graphical user interface is included for the purpose of showing portions of the article which form no part of the claim.-
公开(公告)号：US20230123523A1
公开(公告)日：2023-04-20
申请号：US18085036
申请日：2022-12-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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公开(公告)号：US11620644B2
公开(公告)日：2023-04-04
申请号：US17232499
申请日：2021-04-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Harold Joseph Kennedy , Tony England , David Smiddy
Abstract: Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument. The present invention may be configured to receive signals from a user device comprising information identifying the token, determine, based on receiving the signals, whether the token is mapped to the second resource distribution instrument, and initiate, based on determining that the token is mapped to the second resource distribution instrument, an interaction associated with the second resource distribution instrument.
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公开(公告)号：US20220309113A1
公开(公告)日：2022-09-29
申请号：US17215751
申请日：2021-03-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robertson Walters Greenbacker , Tony England
IPC: G06F16/9535 , G06Q20/38 , G06F16/954 , H04L29/06
Abstract: Additional user data in resource transfer event messaging is leveraged for generating customized and refined web browsing experiences. Resource transfer messages are configured to include, not only the user data required to affect the resource transfer, but other user data related to the resource transfer event, such as user preference data. The resource transfer event messages are communicated to a resource storage entity, which stores the other user data in resource transfer event repository. In response to a user authenticating with the resource storage entity and accessing a distributed communication network, such as the Internet or the like, the user records are accessed and the additional user data is used to customize the websites that the user navigates.
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公开(公告)号：US11232454B2
公开(公告)日：2022-01-25
申请号：US16683327
申请日：2019-11-14
Applicant: Bank of America Corporation
Inventor： Tony England , Stephen Philip Selfridge
Abstract: Systems, computer program products, and methods are described herein for an authentication framework for real-time document processing. The present invention is configured to receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument; extract, using optical character recognition, payment instrument data from the payment instrument; receive one or more authentication credentials from the user to endorse the payment instrument; determine an authentication level of the user based on at least receiving the one or more authentication credentials from the user; determine whether the authentication level of the user meets an authentication requirement level associated with the processing of the payment instrument; and process, in real-time, the payment instrument.
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