公开(公告)号：US10129754B2

公开(公告)日：2018-11-13

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: H04W12/08 ,  H04L29/08

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.

公开(公告)号：US20170235452A1

公开(公告)日：2017-08-17

申请号：US15294002

申请日：2016-10-14

Applicant: Bank of America Corporation

Inventor： Stephen Philip Selfridge ,  Tony England ,  Farhan Ahmed Siddiqi

IPC: G06F3/0484 ,  H04W4/02 ,  G06F17/30

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a centralized, integrated geolocation resource transfer system that is configured to facilitate operative communication between resource entity systems and external devices located within the geographic fence. In this regard, the invention is configured to dynamically identify a plurality of users located within the geographic fence, in real-time. In addition, the invention is configured to facilitate a resource entity system to customize a user interface of a user device based on the user's location. Furthermore, the system is configured to optimize flux parameters and resource distribution in a geographic fence.

公开(公告)号：US20170091764A1

公开(公告)日：2017-03-30

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

IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/32

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.

公开(公告)号：US20170091759A1

公开(公告)日：2017-03-30

申请号：US14871315

申请日：2015-09-30

Applicant: Bank of America Corporation

Inventor： Stephen Philip Selfridge ,  Gregory Joseph Lloyd ,  Tony England ,  Lauren Marie Zavodny

IPC: G06Q20/36 ,  G06Q20/40

CPC classification number: G06Q20/3674 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/3672 ,  G06Q20/385 ,  G06Q20/401 ,  G06Q20/405 ,  G06Q2220/00

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 generate a payment token associated with an account of a customer, wherein the payment token is associated with an amount of funds; enable the customer to issue the generated payment token to a third party; 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 payment token; and approve and settle the transaction.

公开(公告)号：US20170091721A1

公开(公告)日：2017-03-30

申请号：US14871293

申请日：2015-09-30

Applicant: Bank of America Corporation

Inventor： James Gregory Ronca ,  Gregory Joseph Lloyd ,  Tony England ,  Stephen Philip Selfridge

IPC: G06Q20/10 ,  G06Q20/36

CPC classification number: G06Q20/367 ,  G06Q20/065

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：US20160104158A1

公开(公告)日：2016-04-14

申请号：US14973916

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: G06Q20/40 ,  G06Q20/10 ,  G06K19/07 ,  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. 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：US20160104150A1

公开(公告)日：2016-04-14

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: G06Q20/34 ,  G06Q20/38 ,  G06K19/077 ,  G06K19/06 ,  G06K19/07

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：US20150310422A1

公开(公告)日：2015-10-29

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: G06Q20/34 ,  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：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。

公开(公告)号：US11973764B2

公开(公告)日：2024-04-30

申请号：US18202049

申请日：2023-05-25

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 ,  H04L47/70 ,  H04L47/78

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.