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    LIMITING THE USE OF A TOKEN BASED ON A USER LOCATION
    41.
    发明申请
    LIMITING THE USE OF A TOKEN BASED ON A USER LOCATION 审中-公开
    限制使用用户位置的TOKEN

    公开(公告)号：US20150254635A1

    公开(公告)日：2015-09-10

    申请号：US14196809

    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: G06Q20/32 ,  G06Q20/36

    CPC classification number: G06Q20/3224 ,  G06Q20/36

    Abstract: Systems, methods, and computer program products for limiting the use of a token based on a user location are provided. Embodiments of the invention involve a memory device; and a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: receive a payment authorization request associated with a transaction from a merchant, wherein the payment authorization request comprises a transaction information, wherein the transaction is conducted using a token between a user and a merchant; determine a response associated with the payment authorization request based on one or more limits, wherein the one or more limits are based on at least a user location; and transmit the response associated with the payment authorization request to the merchant.

    Abstract translation: 提供了用于限制基于用户位置的令牌的使用的系统，方法和计算机程序产品。 本发明的实施例涉及一种存储装置; 以及处理设备，其可操作地耦合到所述存储器设备，其中所述处理设备被配置为执行计算机可读程序代码以：从商家接收与交易相关联的支付授权请求，其中所述支付授权请求包括交易信息，其中 使用用户和商家之间的令牌进行交易; 基于一个或多个限制来确定与所述支付授权请求相关联的响应，其中所述一个或多个限制基于至少一个用户位置; 并将与支付授权请求相关联的响应发送给商家。

    RECOMMENDING RETROACTIVE VEHICLE FOR PAYMENT BASED ON IN-FLOWS AND OUT-FLOWS
    42.
    发明申请
    RECOMMENDING RETROACTIVE VEHICLE FOR PAYMENT BASED ON IN-FLOWS AND OUT-FLOWS 审中-公开
    基于流量和流出量的建议用于付款的延迟车辆

    公开(公告)号：US20140279409A1

    公开(公告)日：2014-09-18

    申请号：US13803672

    申请日：2013-03-14

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Matthew A. Calman ,  Scott Lee Harkey ,  Laura Corinne Bondesen ,  Robert Scott Ellis ,  Tony England

    IPC: G06Q40/00

    CPC classification number: G06Q40/00

    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated.

    Abstract translation: 本发明的实施例涉及一种系统，方法或计算机程序产品，用于追溯地推荐用于交易的支付车辆。 以这种方式，本发明根据客户输入，客户流入和客户流出的标准，在交易发生后提供追溯支付车辆推荐。 以这种方式，客户可以使用临时信用额度与商家完成交易。 随后，系统可以将交易应用于确定的推荐支付车辆。 那么临时信用额度可能会被终止。

    PRE-ORDERING BASED ON LOCATION OF A CUSTOMER
    43.
    发明申请
    PRE-ORDERING BASED ON LOCATION OF A CUSTOMER 审中-公开
    根据客户的位置预订

    公开(公告)号：US20140279270A1

    公开(公告)日：2014-09-18

    申请号：US13829551

    申请日：2013-03-14

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Peter John Bertanzetti ,  Laura Corinne Bondesen ,  Matthew A. Calman ,  David M. Grigg ,  Scott Lee Harkey

    IPC: G06Q30/06

    CPC classification number: G06Q30/0635

    Abstract: Embodiments of the invention relate to systems and methods that enable a user to pre-order products from an internal or external organization. The organization procures the products and/or completes the pre-order, such as completes a payment for the pre-order or finishes the pre-order, based on the location of the user, as determined through the user's mobile device. The order is only completed when the customer location is determined to be within a desired location of the collection point for the pre-order. Preparation of the products pre-ordered by the user commences upon the user location satisfying a predetermined criteria, such as the user being located an approximate distance from a particular location, the user having an approximate arrival time from a particular location, the user located within an electronic geographic fenced area around a particular location, or the user identified as moving with respect to a particular location.

    Abstract translation: 本发明的实施例涉及使用户能够从内部或外部组织预订产品的系统和方法。 组织采购产品和/或完成预订，例如根据用户的移动设备确定的用户的位置完成预订的付款或完成预订。 只有当客户位置被确定为在预订的收集点的期望位置内时，订单才完成。 由用户预订的产品的准备开始于满足预定标准的用户位置，诸如用户位于与特定位置大致距离的位置，用户具有来自特定位置的近似到达时间，位于内部的用户 围绕特定位置的电子地理围栏区域，或被识别为相对于特定位置移动的用户。

    Foreign cross-issued token
    45.
    发明授权
    Foreign cross-issued token 有权

    公开(公告)号：US09600844B2

    公开(公告)日：2017-03-21

    申请号：US14196274

    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: G06Q40/04 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/36

    CPC classification number: G06Q40/04 ,  G06Q20/3224 ,  G06Q20/367 ,  G06Q20/381

    Abstract: Embodiments disclosed herein relate to systems, methods, and computer program products for a system for providing a multi-currency token. The system, method, and computer program product are configured to receive a request for a multi-currency token, wherein the multi-currency token is associated with at least two financial institution partners; determine a value of the multi-currency token; establish currency conversion parameters for the multi-currency token based on at least one of the value of the multi-currency token and a conversion rate between currencies associated with the at least two financial institution partners; determine that a transaction is being performed with the multi-currency token, the transaction associated with a local currency; and complete the transaction with the multi-currency token in the local currency when the local currency is a currency associated with at least one of the financial institution partners.

    Tokenization of user accounts for direct payment authorization channel
    46.
    发明授权
    Tokenization of user accounts for direct payment authorization channel 有权
    直接付款授权渠道的用户帐户验证

    公开(公告)号：US09569780B2

    公开(公告)日：2017-02-14

    申请号：US15170681

    申请日：2016-06-01

    Applicant: Bank of America Corporation

    Inventor： Laura Corinne Bondesen ,  Scott Lee Harkey

    IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/36

    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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