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    LINKING AN ADVANTAGE COMMUNICATION SYSTEM TO A PRE-EXISTING PRODUCT
    24.
    发明申请
    LINKING AN ADVANTAGE COMMUNICATION SYSTEM TO A PRE-EXISTING PRODUCT 审中-公开

    公开(公告)号：US20190147475A1

    公开(公告)日：2019-05-16

    申请号：US15977253

    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 ,  G06Q20/02

    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.

    TRANSMISSION, VIA A VIRTUAL PERSONA, LEVERAGING FRAUD DETECTION NETWORKS
    25.
    发明申请
    TRANSMISSION, VIA A VIRTUAL PERSONA, LEVERAGING FRAUD DETECTION NETWORKS 审中-公开

    公开(公告)号：US20180330356A1

    公开(公告)日：2018-11-15

    申请号：US15594836

    申请日：2017-05-15

    Applicant: Bank of America Corporation

    Inventor： Tony England ,  Pavan K. Chayanam ,  Hari Gopalkrishnan

    IPC: G06Q20/32 ,  G06F21/36 ,  G06F17/30 ,  H04L12/58

    CPC classification number: G06Q20/3224 ,  G06F17/30719 ,  G06F21/36 ,  G06Q20/3221 ,  G06Q20/3276 ,  H04L51/24

    Abstract: An apparatus for electronic transmission via a virtual persona is provided. The apparatus may include a receiver. The receiver may be located at a first entity's mobile device. The receiver may be configured to receive a request to transmit an electronic transmission. The apparatus may include a processor. The processor may be located at the first entity's mobile device. The processor may be configured to identify a plurality of visible virtual personas. The plurality of visible virtual personas may be associated with a plurality of other mobile devices. Each of the plurality of virtual personas may be associated with a displayable image and/or characteristic set. The identification may be based on information received from a third party fraud detection network. The information may include location information associated with the plurality of other devices. The location information may be currently exploited by the third party fraud detection network.

    REAL TIME DIGITAL ISSUANCE OF RESOURCES
    27.
    发明申请
    REAL TIME DIGITAL ISSUANCE OF RESOURCES 审中-公开

    公开(公告)号：US20180063118A1

    公开(公告)日：2018-03-01

    申请号：US15253672

    申请日：2016-08-31

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Tony England ,  Elizabeth A. Price ,  Shyam Kumar Agrawal

    IPC: H04L29/06 ,  H04W12/06 ,  H04W12/08

    CPC classification number: H04W12/08 ,  H04L67/1097

    Abstract: Systems and devices are provided for real-time digital issuance/provisioning of digital resources. In accordance with embodiments of the invention, real-time provisioning of the digital resources occurs through access to a mobile application. In specific embodiments in which the user does not currently have authorization to use the mobile application, an authorization code is issued to a user and inputted via the mobile application as a means for verifying the identity of the user prior to provisioning the digital resource to the digital storage. As such, by having the provisioning occur electronically via the mobile application provisioning of the digital resource is highly secure, in that, provisioning occurs without the user possessing or having knowledge of the digital resource credentials prior to provisioning.

    System for source independent but source value dependent transfer monitoring
    28.
    发明授权
    System for source independent but source value dependent transfer monitoring 有权

    公开(公告)号：US11706225B1

    公开(公告)日：2023-07-18

    申请号：US17734619

    申请日：2022-05-02

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Steven Michael Twombly ,  Sara A. Walsh ,  Tony England ,  Robertson Walters Greenbacker ,  Bradley Ryan Holland

    IPC: H04L47/762 ,  H04L9/40 ,  H04L47/78 ,  H04L47/70

    CPC classification number: H04L63/102 ,  H04L47/762 ,  H04L47/781 ,  H04L47/828

    Abstract: Systems, computer program products, and methods are described herein for source independent but source value dependent transfer monitoring. The invention is configured to receive a processing request to initiate a processing network session, wherein the processing network session is associated with the processing of a first activity; receive, a processing interaction request to access a first resource associated with the user; extract a resource processing value associated with the first activity from the processing parameter data structure; determine whether the resource processing value is associated with triggering at least one block intervention step; block the entity input device from accessing the first resource in response to determining that the resource processing value is associated with triggering the at least one block intervention step during processing of the first activity; transmit a block notification to the entity input device; and trigger display of a success notification at an end-user application.

    System for recurring auxiliary resource distribution
    29.
    发明授权
    System for recurring auxiliary resource distribution 有权

    公开(公告)号：US11631099B2

    公开(公告)日：2023-04-18

    申请号：US16933280

    申请日：2020-07-20

    Applicant: Bank of America Corporation

    Inventor： Charles Jason Burrell ,  Justin Riley duPont ,  Michael Robert Hasslinger ,  John Allen Sellers ,  Tony England ,  Christina Ann Lillie

    IPC: G06Q30/0207 ,  G06Q20/10 ,  G06Q20/36 ,  G06Q40/02 ,  G06Q30/0226

    Abstract: Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.

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