公开(公告)号：US20190147484A1

公开(公告)日：2019-05-16

申请号：US15977317

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 ,  G06Q20/20 ,  G06Q20/24

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling free form rewards in a custom rewards transaction at a POS terminal. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards (“MFR”) program. The merchant may offer rewards in the MFR program based on location and customer data. The merchant may offer rewards that promote customer behaviors that are advantageous to the merchant. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program.

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：US20150178843A1

公开(公告)日：2015-06-25

申请号：US14135724

申请日：2013-12-20

Applicant: Bank of America Corporation

Inventor： Colby J. Ross ,  William J. Hunter ,  Jeffrey K. Cimini ,  David C. Tyrie ,  Evelyn Varner

IPC: G06Q40/06

CPC classification number: G06Q40/06

Abstract: According to a particular embodiment, a method for interactive retirement planning includes displaying a landing page that includes a topic dashboard on a mobile device. The topic dashboard depicts topic identifiers, and each topic identifier is an element of a retirement plan. A first user input identifying a selected topic identifier within the topic identifiers is received. A topic information page relating to the selected topic identifier is selected. The topic information page includes interactive content relating to the element of the retirement plan that corresponds with the selected topic identifier. The topic information page including the interactive content relating to the element of the retirement plan is displayed to the user on the mobile device. In response to receiving a second user input, the interactive content related to the element of the retirement plan that is displayed to the user is modified to reflect a user preference corresponding with the second user input.

Abstract translation: 根据特定实施例，用于交互式退休计划的方法包括在移动设备上显示包括主题仪表板的着陆页。 主题仪表板描绘主题标识符，每个主题标识符是退休计划的一个要素。 接收标识主题标识符内的所选主题标识符的第一用户输入。 选择与选择的主题标识符相关的主题信息页面。 主题信息页面包括与所选主题标识符对应的退休计划的元素相关的交互式内容。 在移动设备上向用户显示包括与退休计划的元素相关的交互式内容的主题信息页面。 响应于接收到第二用户输入，修改与向用户显示的退休计划的元素相关的交互内容以反映与第二用户输入相对应的用户偏好。

公开(公告)号：US20150178842A1

公开(公告)日：2015-06-25

申请号：US14135646

申请日：2013-12-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Colby J. Ross ,  William J. Hunter ,  Jeffrey K. Cimini ,  David C. Tyrie ,  Evelyn Varner

IPC: G06Q40/06

CPC classification number: G06Q40/06

Abstract: According to a particular embodiment, a method for customized retirement planning includes displaying a landing page on a mobile device. The landing page depicts topic identifiers, and each topic identifiers is an element within a framework for retirement planning. A first user input is received. Based on the first user input, a priority of each element with respect to every other element within the framework for retirement planning is determined. A first information page relating to a particular element within the framework for retirement planning is selected. The element is selected based at least in part on the priority of the particular element determined based on the first user input, and the first information page is displayed.

Abstract translation: 根据特定实施例，用于定制退休计划的方法包括在移动设备上显示着陆页。 登陆页面描述主题标识符，每个主题标识符是退休计划框架内的一个元素。 接收到第一个用户输入。 基于第一个用户输入，确定每个元素在退休计划框架内的每个其他元素的优先级。 选择与退休计划框架内的特定要素相关的第一个信息页面。 至少部分地基于基于第一用户输入确定的特定元素的优先级来选择元素，并且显示第一信息页面。

公开(公告)号：US11049130B2

公开(公告)日：2021-06-29

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: G06Q30/00 ,  G06Q30/02 ,  G06Q20/40 ,  G06Q20/20 ,  H04L9/06 ,  G06Q20/22 ,  G06Q20/02 ,  G07G1/00 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/24 ,  G05B19/418 ,  H04W4/30 ,  G06Q50/00

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：US10937050B2

公开(公告)日：2021-03-02

申请号：US15977384

申请日：2018-05-11

Applicant: Bank of America Corporation

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

IPC: G06Q20/40 ,  G06Q30/02 ,  G06Q20/20 ,  H04L9/06 ,  G06Q20/22 ,  G06Q20/02 ,  G07G1/00 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/24 ,  H04W4/30 ,  G06Q50/00

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling merchant funded rewards at a POS terminal. Systems and methods are provided for tracking customer activity and determining an appropriate merchant funded reward. The POS terminal may determine an appropriate merchant, funded reward based on location and historical customer transaction data. The merchant may offer a custom reward that promotes customer behaviors that are advantageous to the merchant and other transaction participants. A merchant funded rewards program may be configured to drive incremental sales to merchants that participate in the program.

公开(公告)号：US20200320566A1

公开(公告)日：2020-10-08

申请号：US16904861

申请日：2020-06-18

Applicant: Bank of America Corporation

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

IPC: G06Q30/02 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q20/22 ,  G06Q20/02 ,  G07G1/00 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/38 ,  H04L9/06 ,  G06Q20/24

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. The POS system architecture may include a POS terminal including a POS receiver, a virtual display and a transmitter, and a transaction processing network including a network receiver and processor. The network receiver may be configured to receive a payment authorization request. The virtual display may be configured to display selectable options. The options may be displayed prior to processing the payment authorization request. The selectable options may include a first and second option. The first option may be to apply a merchant-funded rewards program network to the payment authorization request. The second option may be to continue to apply the default issuer funded rewards program network to the payment authorization request. When the first option is selected, a processor may be configured to terminate the issuer funded reward program network and activate the merchant-funded rewards program network.

公开(公告)号：US20190147708A1

公开(公告)日：2019-05-16

申请号：US15977384

申请日：2018-05-11

Applicant: Bank of America Corporation

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

IPC: G07G1/00 ,  G06Q20/40 ,  G06Q30/02

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling merchant funded rewards at a POS terminal. Systems and methods are provided for tracking customer activity and determining an appropriate merchant funded reward. The POS terminal may determine an appropriate merchant, funded reward based on location and historical customer transaction data. The merchant may offer a custom reward that promotes customer behaviors that are advantageous to the merchant and other transaction participants. A merchant funded rewards program may be configured to drive incremental sales to merchants that participate in the program.

公开(公告)号：US20190147486A1

公开(公告)日：2019-05-16

申请号：US15977440

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 ,  G06Q20/38 ,  G06Q20/06 ,  G06Q20/10 ,  H04L9/06

Abstract: A network for maintaining and disbursing rewards on behalf of a plurality of anonymous crypto-currency holders is provided. The network may be in communication with a crypto-currency platform. The plurality of crypto-currency account holders may also be in communication with the crypto-currency platform. The network may include a receiver. The receiver may be configured to receive purchase information from the crypto-currency platform. The purchase information may be related to at least one purchase performed using crypto-currency at a POS device. The purchase may be performed by at least one of the plurality of anonymous crypto-currency holders. The purchase information may include a purchase price. The network may include a transmitter for transmitting reward information to the POS device. The transmitting reward information may include transmitting at least one an anonymous bearer coupon, a reduction in the purchase price or a crypto-currency refund or reward.

公开(公告)号：US20190147485A1

公开(公告)日：2019-05-16

申请号：US15977417

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 ,  G06Q20/20 ,  G06Q20/40

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling an alternative processing network for a custom rewards transaction performed at a POS. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards (MFR) program. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program. Opting-in to the MFR program may also reroute the processing of the transaction from a conventional processing network to the alternative processing network. The alternative processing network may incur transaction fees to a merchant that are lower than the transaction fees of the conventional processing network.