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    AUTHORIZING A TEMPORARY TOKEN FOR A USER
    51.
    发明申请
    AUTHORIZING A TEMPORARY TOKEN FOR A USER 审中-公开
    授权用户的临时托盘

    公开(公告)号：US20150254665A1

    公开(公告)日：2015-09-10

    申请号：US14196813

    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: G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674

    Abstract: Systems, methods, and computer program products for authorizing a temporary token for a user 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: associate a token with a financial institution account that is associated with a user; receive one or more limits from an administrator associated with the financial institution account, wherein the one or more limits comprise at least a time period limit; apply the one or more limits to the token to limit the use of the financial institution account associated with the token to within the confines of the one or more limits; and transmit the token or token information associated with the token to the user for use in one or more transactions.

    Abstract translation: 提供了用于为用户授权临时令牌的系统，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; 以及可操作地耦合到所述存储器设备的处理设备，其中所述处理设备被配置为执行计算机可读程序代码，以将令牌与与用户相关联的金融机构帐户相关联; 从与所述金融机构帐户相关联的管理员接收一个或多个限制，其中所述一个或多个限制包括至少一个时间段限制; 将一个或多个限制应用于令牌，以限制与该令牌相关联的金融机构账户在一个或多个限制范围内的使用; 并将与令牌相关联的令牌或令牌信息发送给用户以用于一个或多个事务。

    ATM TOKEN CASH WITHDRAWAL
    53.
    发明申请
    ATM TOKEN CASH WITHDRAWAL 有权
    自动提款机现金提款

    公开(公告)号：US20150254655A1

    公开(公告)日：2015-09-10

    申请号：US14196947

    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: G06Q20/38 ,  G06Q20/32 ,  G06Q20/40

    CPC classification number: G06Q20/1085 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/3821 ,  G06Q20/38215 ,  G06Q20/385 ,  G06Q20/4012 ,  G06Q20/405 ,  G07F19/20 ,  H04L63/0807 ,  H04L63/0892

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for managing financial tokens associated with a financial account, whereby the systems, methods, and computer program products are directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system, methods, and computer program products are configured to generate a server token, wherein the server token is associated with at least one financial account; communicate, to a first mobile device, a server packet, wherein the server packet comprises at least the server token; receive, from an ATM, a security packet communicated from a second mobile device to the ATM, wherein the security packet comprises at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM.

    Abstract translation: 本发明的实施例涉及用于管理与金融账户相关联的金融令牌的系统，方法和计算机程序产品，由此系统，方法和计算机程序产品被用于生成和认证与该金融账户相关联的令牌，以便授予 访问用户使用自动柜员机（ATM）在金融账户上进行金融交易。 系统，方法和计算机程序产品被配置为生成服务器令牌，其中服务器令牌与至少一个金融帐户相关联; 向第一移动设备传送服务器分组，其中所述服务器分组至少包括所述服务器令牌; 从ATM接收从第二移动设备传送到ATM的安全分组，其中所述安全分组包括至少一个设备令牌; 验证设备令牌，认证包括将设备令牌与服务器令牌进行比较，从而导致设备令牌的成功认证; 并将成功的认证传递给ATM。

    SINGLE PAYMENT CARD FOR FLEXIBLE PAYMENT VEHICLE OPTIONS FOR A TRANSACTION
    58.
    发明申请
    SINGLE PAYMENT CARD FOR FLEXIBLE PAYMENT VEHICLE OPTIONS FOR A TRANSACTION 有权
    用于交易的灵活付款车辆单项支付卡

    公开(公告)号：US20140279471A1

    公开(公告)日：2014-09-18

    申请号：US13827665

    申请日：2013-03-14

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Tony England ,  Scott Lee Harkey ,  Matthew A. Calman

    IPC: G06Q20/34

    CPC classification number: G06Q20/3572 ,  G06Q20/405

    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule.

    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，用于向客户提供与客户的可用支付车辆相关联的单个交易卡。 因此，单个交易卡可以被客户用来完成与商家的交易。 随后，根据客户规则或客户选择，本发明可以将交易引导到所选择的支付车辆。 规则包括客户可以输入的任何偏好，允许本发明自动将单个交易卡交易应用于支付车辆。 因此，可以针对特定商家触发规则，特定交易金额，特定位置等。 如果通过使用单个交易卡进行的交易触发了规则，则触发的交易将被自动应用于与该规则相关的支付工具。

    RETROACTIVE REWARDS BASED RECOMMENDATION OF PAYMENT VEHICLE TO INDIVIDUAL PRODUCTS OF A TRANSACTION
    59.
    发明申请
    RETROACTIVE REWARDS BASED RECOMMENDATION OF PAYMENT VEHICLE TO INDIVIDUAL PRODUCTS OF A TRANSACTION 审中-公开
    付款车辆基于交易的个别产品的推荐奖励建议

    公开(公告)号：US20140278897A1

    公开(公告)日：2014-09-18

    申请号：US13803720

    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

    IPC: G06Q30/02

    CPC classification number: G06Q30/0233

    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, 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，用于基于每个产品的可用奖励，逐个产品推荐用于交易的支付车辆。 以这种方式，客户可以使用临时信用额度与商家完成交易。 然后，本发明可以基于每个产品如果应用于该支付车辆可以接收的最大奖励，将交易的各个产品应用于不同的推荐支付车辆。 一旦交易的每个产品被重新分配到推荐的付款工具，临时信用额度可能会被终止。

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