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公开(公告)号：US20140108168A1
公开(公告)日：2014-04-17
申请号：US13651634
申请日：2012-10-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew D. Murphy , Scott A. Weigman
Abstract: Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction that originates at a merchant location associated with a merchant category code. The transaction cost may be recovered from a low-value purchase. A recovery amount associated with the low-value purchase may include a fixed amount. The recovery amount associated with the low-value purchase may include a percentage of the acceptance cost. The recovery amount may be shared among two or more transaction participant. The recovery amount may be dynamically adjusted. Methods and apparatus may include providing adequate notice of changes in the recovery amount. The transaction cost may be recovered utilizing central control over network of merchant locations.
Abstract translation: 提供了用于恢复与客户和商家之间的交易相关的交易成本的方法和装置。 可以从与商家类别代码相关联的商家位置处发生的交易中恢复交易成本。 交易成本可能从低价值购买中恢复。 与低价值购买相关联的复原金额可以包括固定金额。 与低价值购买相关的回收金额可能包括接受成本的百分比。 恢复量可以由两个或更多个交易参与者共享。 恢复量可以动态调整。 方法和装置可以包括提供恢复量的变化的充分通知。 可以通过对商家地点的网络进行中央控制来恢复交易成本。
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公开(公告)号：US20140108167A1
公开(公告)日：2014-04-17
申请号：US13651610
申请日：2012-10-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew D. Murphy , Scott A. Weigman
CPC classification number: G06Q20/20 , G06Q20/24 , G06Q30/0213
Abstract: Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction that originates at a merchant location associated with a merchant category code. The transaction cost may be recovered from a low-value purchase. A recovery amount associated with the low-value purchase may include a fixed amount. The recovery amount associated with the low-value purchase may include a percentage of the acceptance cost. The recovery amount may be shared among two or more transaction participant. The recovery amount may be dynamically adjusted. Methods and apparatus may include providing adequate notice of changes in the recovery amount. The transaction cost may be recovered utilizing central control over network of merchant locations.
Abstract translation: 提供了用于恢复与客户和商家之间的交易相关的交易成本的方法和装置。 可以从与商家类别代码相关联的商家位置处的交易中恢复交易成本。 交易成本可能从低价值购买中恢复。 与低价值购买相关联的复原金额可以包括固定金额。 与低价值购买相关的回收金额可能包括接受成本的百分比。 恢复量可以由两个或更多个交易参与者共享。 恢复量可以动态调整。 方法和装置可以包括提供恢复量的变化的充分通知。 可以通过对商家地点的网络进行中央控制来恢复交易成本。
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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.
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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.
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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.
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Patent Agency Ranking">
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
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.
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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
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.
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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
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.
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公开(公告)号：US20170169670A1
公开(公告)日：2017-06-15
申请号：US15357698
申请日：2016-11-21
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy
CPC classification number: G07G1/0009 , G06F1/3228 , G06Q20/341 , G06Q20/401 , G06Q20/405 , G06Q40/12
Abstract: In response to detecting imposition of an erroneous surcharge, a point-of-sale (“POS”) terminal used to impose that surcharge may be disabled. A remote server may be programmed to power down the POS terminal. For example, in response to detecting a surcharge violation, a remote server may transmit a disable signal to the POS terminal that triggered the surcharge violation. The disable signal may power down the POS terminal. The remote server may be programmed to power up a POS terminal or otherwise bring the POS terminal back online. A payment instrument that includes a chip may programmed such that when the chip is inserted into the POS terminal or an associated card reader, it triggers a disabling of the POS terminal. Servers that process transactions may be programmed to ignore or reject transactions received from a POS terminal that triggers a surcharge violation.
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40.发明申请METHOD AND APPARATUS FOR PROVIDING A BALANCE-VERIFIED TRANSACTION IDENTIFIER 审中-公开用于提供平衡交易识别器的方法和装置公开(公告)号：US20160210595A1
公开(公告)日：2016-07-21
申请号：US14672228
申请日：2015-03-30
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy
CPC classification number: G06Q20/023 , G06Q20/20 , G06Q20/202 , G06Q20/29 , G06Q20/40 , G06Q20/401
Abstract: An apparatus for forming an auth-process determination for a point of sale (“POS”)-purchase executed using a balance-verified automated clearing house (“ACH”) identifier is provided. The ACH identifier may include identifier information configured as a pointer to a DDA account. A receiver may be configured to receive the balance-verified ACH identifier information and purchase information. The apparatus may retrieve DDA account information using previously-entered DDA account access information. The apparatus may calculate an auth-process determination based on the DDA account information and the purchase information. The apparatus may store, in real time, an auth-process determination indicator in the memory at the POS. The auth-process determination indicator corresponding to the auth-process determination. The apparatus may also cause to display the auth-process determination indicator on a POS screen. The apparatus may mirror the display of the auth-process determination indicator on a screen associated with the balance-verified ACH identifier.
Abstract translation: 提供了一种用于形成销售点（“POS”）的认证处理确定的装置 - 使用余额验证的自动清算所（“ACH”）标识符执行的购买。 ACH标识符可以包括被配置为指向DDA帐户的指针的标识符信息。 接收机可以被配置为接收余额验证的ACH标识符信息和购买信息。 该设备可以使用先前输入的DDA帐户访问信息来检索DDA帐户信息。 该装置可以基于DDA帐户信息和购买信息来计算认证过程确定。 该装置可以实时地存储POS处的存储器中的认证处理确定指示符。 与验证过程确定相对应的认证过程确定指示符。 该装置还可以导致在POS屏幕上显示认证处理确定指示符。 该装置可以在与余额验证的ACH标识符相关联的屏幕上镜像认证处理确定指示符的显示。
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