-
公开(公告)号：USD946594S1
公开(公告)日：2022-03-22
申请号：US29743249
申请日：2020-07-20
Applicant: BANK OF AMERICA CORPORATION
-
公开(公告)号：US20220038891A1
公开(公告)日：2022-02-03
申请号：US16983806
申请日：2020-08-03
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.
-
公开(公告)号：US11238483B2
公开(公告)日：2022-02-01
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 , 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. 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：US20220020006A1
公开(公告)日：2022-01-20
申请号：US16933170
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
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for passive resource instant translation. The invention receives input from a user via a communicable linkage between the user and the user's passive resource collection account. Passive resources are instantly translated to resources ready for use according to a passive resource to active resource translation ratio. The converted passive resources are stored in a converted passive resource account. The invention may then identify a user request for transfer of active resources and prompt the user to select a resource account to fulfill the user request. The invention may then release active resources based on user request and input.
-
公开(公告)号：US11080743B2
公开(公告)日：2021-08-03
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 , G06Q20/40 , G06Q20/20 , G06Q20/06 , G06Q20/38 , H04L9/06 , G06Q20/22 , G06Q20/02 , G07G1/00 , G06Q20/10 , G06Q20/24 , H04W4/30 , G06Q50/00
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.
-
Patent Agency Ranking
公开(公告)号：US20210217046A1
公开(公告)日：2021-07-15
申请号：US17212156
申请日：2021-03-25
Applicant: Bank of America Corporation
Inventor： Mark Churchill Monaco , Tony England , Matthew D. Murphy , David C. Tyrie
IPC: G06Q30/02 , G06Q20/40 , G06Q20/20 , H04L9/06 , G06Q20/22 , G06Q20/02 , G07G1/00 , G06Q20/06 , G06Q20/10 , G06Q20/38 , 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：US20200005280A1
公开(公告)日：2020-01-02
申请号：US16568692
申请日：2019-09-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： James Gregory Ronca , Gregory Joseph Lloyd , Tony England , Stephen Philip Selfridge
IPC: G06Q20/36
Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.
-
公开(公告)号：US10453059B2
公开(公告)日：2019-10-22
申请号：US14871964
申请日：2015-09-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Gregory Joseph Lloyd , Lauren Marie Zavodny , Tony England , Stephen Philip Selfridge , James Gregory Ronca
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.
-
39.发明申请公开(公告)号：US20190158646A1
公开(公告)日：2019-05-23
申请号：US15910188
申请日：2018-03-02
Applicant: BANK OF AMERICA CORPORATION
Inventor： Mark Allan Nelson , Karen Lea MacQueen , Ashish B. Tajpuria , Steven Michael Twombly , Tony England
Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a first third party entity from the one or more third party entities, establishing a communication link with a remote device associated with the first third party entity, and initiating transfer of resources to the remote device to complete the interaction.
-
公开(公告)号：US20190147483A1
公开(公告)日：2019-05-16
申请号：US15977233
申请日：2018-05-11
Applicant: Bank of America Corporation
Inventor： Mark Churchill Monaco , Tony England , Matthew D. Murphy , David C. Tyrie
Abstract: Apparatus, methods and architectures for dynamically incentivizing use of payment instrument(s) by customer(s) on purchase(s) from merchant(s) are described. Methods, apparatus and architectures may include/involve providing electronic platform(s) for enabling customer reward option(s). Reward option(s) may include standard reward option(s) associated with interchange fee(s) upon acquirer(s) affiliated with the merchant(s). Reward option(s) may include custom reward option(s) funded by the merchant(s) and associated with discounted interchange fee(s). Discounted interchange fee(s) may incentivize reduced cost(s) of acceptance imposed on merchant(s) by acquirer(s). The reward options may be selected to drive incremental sales to participating merchant(s).
-
-
-
-
-
-
-
-
-
Search Results
98
records
(took 0.03 seconds)
