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公开(公告)号：US10762483B2
公开(公告)日：2020-09-01
申请号：US15591993
申请日：2017-05-10
Applicant: Bank of America Corporation
Inventor： Laura Corinne Bondesen , Jason P. Blackhurst , Scott Lee Harkey , William Blakely Belchee , Tammy L. Brunswig
Abstract: Embodiments of the invention are directed to a system for managing financial tokens associated with a financial account, whereby the system is directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system is configured to generate a server token that is associated with at least one financial account; communicate, to a first mobile device, a server packet comprising at least the server token; receive, from an ATM, a security packet comprising at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM.
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公开(公告)号：US10002352B2
公开(公告)日：2018-06-19
申请号：US14196545
申请日：2014-03-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Laura Corinne Bondesen , Jason P. Blackhurst , Scott Lee Harkey , William Blakely Belchee , Tammy L. Brunswig
CPC classification number: G06Q20/363 , G06Q20/0855 , G06Q20/3278 , G06Q20/354 , G06Q20/385 , G06Q20/4016
Abstract: Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with a first payment credential associated with a digital wallet has been detected; determine that the digital wallet has at least one additional associated payment credential; and, in response to determining the potential exposure has been detected and determining that the digital wallet has at least one additional associated payment credential, initiate at least one exposure reduction measure intended to reduce potential exposure to the at least one additional associated payment credential.
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公开(公告)号：US09990594B2
公开(公告)日：2018-06-05
申请号：US15009524
申请日：2016-01-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Lee Harkey , David M. Grigg , Laura Corinne Bondesen , Matthew A. Calman
CPC classification number: G06Q10/02 , G06Q10/04 , G06Q30/0601 , G06Q30/0619 , G06Q50/01 , G06Q50/10 , H04L67/18 , H04W4/02 , H04W4/021
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.
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公开(公告)号：US20170243184A1
公开(公告)日：2017-08-24
申请号：US15591993
申请日：2017-05-10
Applicant: Bank of America Corporation
Inventor： Laura Corinne Bondesen , Jason P. Blackhurst , Scott Lee Harkey , William Blakely Belchee , Tammy L. Brunswig
Abstract: Embodiments of the invention are directed to a system for managing financial tokens associated with a financial account, whereby the system is directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system is configured to generate a server token that is associated with at least one financial account; communicate, to a first mobile device, a server packet comprising at least the server token; receive, from an ATM, a security packet comprising at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM.
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公开(公告)号：US09563895B2
公开(公告)日：2017-02-07
申请号：US15170703
申请日：2016-06-01
Applicant: Bank of America Corporation
Inventor： Laura Corinne Bondesen , Scott Lee Harkey
CPC classification number: G06Q20/405 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/409
Abstract: Embodiments of the present invention disclose a financial institution system maintained by a financial institution and for tokenization of user accounts for using a direct payment authorization channel, whereby a third party payment authorization network is avoided. Embodiments establish a direct channel of communication between the system and a merchant or a merchant network in communication with the merchant; wherein the direct channel of communication comprises a network communication channel without a third party payment authorization system; receive a token issued by the financial institution and associated with a user account associated with a customer of the financial institution; receive transaction data comprising an amount associated with a transaction between the customer of the financial institution and the merchant; and determine whether to authorize the transaction based on the received token and the received transaction data.
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Patent Agency Ranking
公开(公告)号：US09406065B2
公开(公告)日：2016-08-02
申请号：US14196653
申请日：2014-03-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Laura Corinne Bondesen , Jason P. Blackhurst , Scott Lee Harkey , William Blakely Belchee , Tammy L. Brunswig
CPC classification number: G06Q20/363 , G06F3/0481 , G06Q20/0855 , G06Q20/3278 , G06Q20/354 , G06Q20/3674 , G06Q20/385
Abstract: Embodiments are directed to token management. Embodiments initiate presentation of a digital wallet management interface including initiating presentation of a digital wallet; initiating presentation of an original token associated with the digital wallet; initiating presentation of a toggle switch comprising a first position and a second position and associated with the original token and configured for graphical manipulation by the user between the first position and the second position, wherein the first position corresponds to the original token being available for use as a payment credential; and where the second position corresponds to the original token being unavailable for use as a payment credential.
Abstract translation: 实施例涉及令牌管理。 实施例开始呈现数字钱包管理界面，包括启动数字钱包的呈现; 启动与数字钱包相关联的原始令牌的呈现; 启动包括第一位置和第二位置并与原始令牌相关联并被配置为用于在第一位置和第二位置之间进行图形操作的拨动开关的呈现，其中第一位置对应于原始令牌可用于使用 作为支付凭证; 并且其中第二位置对应于原始令牌不可用作支付凭证。
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27.发明申请公开(公告)号：US20150332264A1
公开(公告)日：2015-11-19
申请号：US14280271
申请日：2014-05-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Laura Corinne Bondesen , Scott Lee Harkey
CPC classification number: G06Q20/405 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/409
Abstract: Embodiments of the present invention disclose a financial institution system maintained by a financial institution and for tokenization of user accounts for using a direct payment authorization channel, whereby a third party payment authorization network is avoided. Embodiments establish a direct channel of communication between the system and a merchant or a merchant network in communication with the merchant; wherein the direct channel of communication comprises a network communication channel without a third party payment authorization system; receive a token issued by the financial institution and associated with a user account associated with a customer of the financial institution; receive transaction data comprising an amount associated with a transaction between the customer of the financial institution and the merchant; and determine whether to authorize the transaction based on the received token and the received transaction data.
Abstract translation: 本发明的实施例公开了由金融机构维护的金融机构系统和用于使用直接支付授权信道的用户账户的标记，从而避免了第三方支付授权网络。 实施例建立系统与与商家通信的商家或商家网络之间的直接通信渠道; 其中所述直接通信信道包括没有第三方支付授权系统的网络通信信道; 接收由金融机构发出并与与金融机构客户有关的用户账户相关联的令牌; 接收包括与金融机构的客户与商家之间的交易相关联的金额的交易数据; 并且基于接收的令牌和接收的交易数据来确定是否授权交易。
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28.发明申请公开(公告)号：US20150254699A1
公开(公告)日：2015-09-10
申请号：US14196894
申请日：2014-03-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Laura Corinne Bondesen , Jason P. Blackhurst , Scott Lee Harkey , William Blakely Belchee , Tammy L. Brunswig
CPC classification number: G06Q30/0215 , G06Q20/02 , G06Q20/20 , G06Q20/322 , G06Q20/36 , G06Q20/3672 , G06Q20/385
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet maintained by a digital wallet provider; authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include incentives for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers.
Abstract translation: 本发明的实施例涉及用于在数字钱包中提供补充帐户信息的系统，方法和计算机程序产品。 示例性装置被配置为：接收提供由数字钱包提供者维护的数字钱包的请求; 验证在数字钱包中使用的至少一个支付凭证; 接收访问被配置为将提供推送到数字钱包的应用程序编程接口，其中所述应用编程接口与由所述数字钱包提供者维护的至少一个数据库相关联; 通过所述应用编程接口接收来自所述至少一个数据库的一个或多个提供，其中所述提供包括使用与所述数字钱包相关联的所述至少一个支付凭证来处理支付的激励; 并且向移动设备的显示器上的用户呈现一个或多个报价。
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公开(公告)号：US20150254658A1
公开(公告)日：2015-09-10
申请号：US14196373
申请日：2014-03-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Laura Corinne Bondesen , Jason P. Blackhurst , Scott Lee Harkey , William Blakely Belchee , Tammy L. Brunswig
IPC: G06Q20/40
CPC classification number: G06Q20/227 , G06Q20/36 , G06Q20/385 , G06Q20/405
Abstract: The present invention includes an apparatus, method, and computer program product for use in a token based financial transaction system, whereby the apparatus applies transaction sensitive limits to a proposed financial transaction for purposes of approving, denying, or partially funding a token based financial transaction. The present invention is configured to: determine one or more limits associated with the token, wherein the one or more limits define which financial transactions will be authorized; process a request to execute a transaction, wherein processing the request includes determining if the one or more limits associated with the user are met based on transaction information; allow the transaction in response to determining when the one or more limits are met; and deny the transaction in response to determining when the one or more limits fail to be met.
Abstract translation: 本发明包括在基于令牌的金融交易系统中使用的装置，方法和计算机程序产品，由此该装置对建议的金融交易应用交易敏感限制，用于批准，拒绝或部分资助基于令牌的金融交易 。 本发明被配置为：确定与令牌相关联的一个或多个限制，其中所述一个或多个限制定义哪些金融交易将被授权; 处理执行事务的请求，其中处理所述请求包括基于交易信息确定是否满足与所述用户相关联的所述一个或多个限制; 允许交易响应确定何时满足一个或多个限制; 并且否定交易以响应于何时不能满足一个或多个限制。
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公开(公告)号：US20150254643A1
公开(公告)日：2015-09-10
申请号：US14196653
申请日：2014-03-04
Applicant: Bank of America Corporation
Inventor： Laura Corinne Bondesen , Jason P. Blackhurst , Scott Lee Harkey , William Blakely Belchee , Tammy L. Brunswig
CPC classification number: G06Q20/363 , G06F3/0481 , G06Q20/0855 , G06Q20/3278 , G06Q20/354 , G06Q20/3674 , G06Q20/385
Abstract: Embodiments are directed to token management. Embodiments initiate presentation of a digital wallet management interface including initiating presentation of a digital wallet; initiating presentation of an original token associated with the digital wallet; initiating presentation of a toggle switch comprising a first position and a second position and associated with the original token and configured for graphical manipulation by the user between the first position and the second position, wherein the first position corresponds to the original token being available for use as a payment credential; and where the second position corresponds to the original token being unavailable for use as a payment credential.
Abstract translation: 实施例涉及令牌管理。 实施例开始呈现数字钱包管理界面，包括启动数字钱包的呈现; 启动与数字钱包相关联的原始令牌的呈现; 启动包括第一位置和第二位置并与原始令牌相关联并被配置为用于在第一位置和第二位置之间进行图形操作的拨动开关的呈现，其中第一位置对应于原始令牌可用于使用 作为支付凭证; 并且其中第二位置对应于原始令牌不可用作支付凭证。
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