公开(公告)号：US09547849B2

公开(公告)日：2017-01-17

申请号：US14973899

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: G06K19/06 ,  G06Q20/10 ,  G06Q20/34 ,  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。

公开(公告)号：US09390407B2

公开(公告)日：2016-07-12

申请号：US14973908

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: G06K19/06 ,  G06Q20/10 ,  G06Q20/34 ,  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。

公开(公告)号：US20160104136A1

公开(公告)日：2016-04-14

申请号：US14973908

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: G06Q20/10 ,  G06Q20/32 ,  G06K19/07 ,  G06K19/077 ,  G06K19/06

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. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to 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 for using a smartcard 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 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，蓝牙低功耗（“BLE”）设备。 智能卡还可以包括电池。 电池可以配置为为BLE和微处理器芯片供电。 智能卡还可能包括内存。 可以将存储器配置为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。 使用智能卡的方法可以包括按下按钮。 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。 指令的发送可以是按下按钮的响应。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US09218596B2

公开(公告)日：2015-12-22

申请号：US14263013

申请日：2014-04-28

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06Q40/00 ,  G06Q20/34 ,  G06K19/06 ,  G06K19/077

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。

公开(公告)号：US20150365283A1

公开(公告)日：2015-12-17

申请号：US14306158

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin

IPC: H04L12/24 ,  H04L29/08 ,  G06Q20/10 ,  H04L12/26 ,  G06Q20/06 ,  G06Q20/38

CPC classification number: G06Q20/3829 ,  G06Q20/065 ,  G06Q20/10 ,  G06Q20/36 ,  G06Q20/381 ,  G06Q20/4016 ,  G06Q20/4037 ,  H04L41/0816 ,  H04L63/0428 ,  H04L67/12 ,  H04L2463/102

Abstract: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.

Abstract translation: 系统包括可以存储与客户相关联的客户帐户的存储器和通信地耦合到存储器的处理器。 处理器能够接收一个请求，将一定数量的密码存入存储到客户帐户中，并将密码数量与客户帐户相关联。 处理器还能够将数量的加密资源存入连接到网络的保管库，并确定存放在保管库中的加密货币的总数量。 处理器还可以响应于确定存储在保险库中的总和量的总量超过阈值，便于保险库与网络的断开连接。

公开(公告)号：US20150363783A1

公开(公告)日：2015-12-17

申请号：US14305916

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/06

CPC classification number: G06Q20/4016 ,  G06Q20/065 ,  G06Q20/382 ,  G06Q20/3829

Abstract: The system includes a processor operable to receive a request from a customer to perform a cryptocurrency transaction with a third party. The processor may also retrieve block chain information associated with the cryptocurrency transaction. The processor may also determine the amount of cryptocurrency associated with the cryptocurrency transaction. The processor may further calculate a risk score for performing the cryptocurrency transaction based at least in part upon the block chain information and the amount of cryptocurrency.

Abstract translation: 该系统包括处理器，其可操作以接收来自客户的请求，以执行与第三方的密码学货币交易。 处理器还可以检索与该密码事务相关联的块链信息。 处理器还可以确定与加密事务处理相关联的加密机制的量。 所述处理器可以进一步计算用于至少部分地基于所述块链信息和所述密码量的量来执行所述密码学事务处理的风险分数。

公开(公告)号：US20150363778A1

公开(公告)日：2015-12-17

申请号：US14306110

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Jason P. Blackhurst ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/06

CPC classification number: G06Q20/3829 ,  G06Q20/065 ,  G06Q20/4016 ,  H04L9/3236 ,  H04L2209/38 ,  H04L2209/56

Abstract: A system includes a memory and a processor coupled to the memory. The processor may communicate with an electronic payment service, the electronic payment service providing a virtual account associated with the customer and determine that the customer initiated a request for a financial transaction, the financial transaction configured to transfer an amount of currency from the virtual account to a destination. The processor is also able to validate the financial transaction based at least upon data received from the electronic payment service and determine the customer account is associated with the virtual account based at least upon data received from the electronic payment service. The processor also may determine a quantity of cryptocurrency equivalent to the amount of currency (the quantity of cryptocurrency associated with the customer account) and transfer the quantity of cryptocurrency to the electronic payment service.

Abstract translation: 系统包括存储器和耦合到存储器的处理器。 处理器可以与电子支付服务通信，电子支付服务提供与客户相关联的虚拟账户，并确定客户发起了金融交易请求，金融交易被配置为将货币数量从虚拟账户转移到 一个目的地 处理器还能够至少基于从电子支付服务接收到的数据来验证金融交易，并且至少基于从电子支付服务接收的数据来确定客户帐户与虚拟账户相关联。 处理器还可以确定等价于货币量（与客户帐户相关联的密码量）并且将密码量的数量传送到电子支付服务的数量的密码。

公开(公告)号：US20150363773A1

公开(公告)日：2015-12-17

申请号：US14305981

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Jason P. Blackhurst ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q20/38 ,  G06Q20/06

CPC classification number: G06Q20/3829 ,  G06Q20/065 ,  G06Q40/02 ,  H04L9/0894

Abstract: A system includes a memory and a processor. The memory may store a customer account associated with a customer and an enterprise account associated with an enterprise. The processor may be communicatively coupled to the memory and may cause the system to receive a request to deposit a first amount of a cryptocurrency in the customer account from the customer. The processor may also cause the system to determine a public key associated with the customer account and receive the first amount of the cryptocurrency. The processor may further cause the system to determine a first value approximately equivalent to the first amount of cryptocurrency and associate the first value with the customer account. The processor is further able to aggregate the first amount of cryptocurrency with an aggregated amount of the cryptocurrency in the enterprise account and facilitate securing the public key in the enterprise account.

Abstract translation: 系统包括存储器和处理器。 存储器可以存储与客户相关联的客户账户和与企业相关联的企业帐户。 处理器可以通信地耦合到存储器，并且可以使系统从客户接收在客户帐户中存入第一数量的密码学的请求。 处理器还可以使得系统确定与客户帐户相关联的公共密钥并且接收第一数量的密码体制。 处理器还可以使得系统确定大致相当于第一个加密量的量的第一值，并将第一个值与客户帐户相关联。 处理器还能够在企业帐户中以汇总的密码体积的量聚合第一批密码学量，并有助于将公钥保护在企业帐户中。

公开(公告)号：US20140279506A1

公开(公告)日：2014-09-18

申请号：US13804345

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Eileen D. Bridges ,  Lisa Gibson ,  James G. Ronca ,  Mark D. Zanzot ,  Susan Smith Thomas

IPC: G06Q20/32

CPC classification number: G06Q20/322 ,  G06Q20/3276

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for making a mobile payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia from a second apparatus; enable a user to input payment information, wherein the payment information comprises at least one of a payee, a payment amount, or a payment source; transmit the readable indicia and the payment information to a third apparatus.

Abstract translation: 本发明的实施例涉及通过传输网络进行移动支付的系统，方法和计算机程序产品。 在一些实施例中，第一装置被配置为：从第二装置接收可读标记; 使用户能够输入支付信息，其中所述支付信息包括收款人，支付金额或支付来源中的至少一个; 将可读标记和支付信息发送到第三装置。