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    LINKING AN ADVANTAGE COMMUNICATION SYSTEM TO A PRE-EXISTING PRODUCT
    65.
    发明申请
    LINKING AN ADVANTAGE COMMUNICATION SYSTEM TO A PRE-EXISTING PRODUCT 审中-公开

    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.

    Account tokenization for virtual currency resources
    66.
    发明授权
    Account tokenization for virtual currency resources 有权

    公开(公告)号：US10607215B2

    公开(公告)日：2020-03-31

    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: G06Q20/36

    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.

    SYSTEM FOR COMMUNICABLE INTEGRATION OF AN AUTOMOBILE SYSTEM AND A FUEL STATION SYSTEM
    67.
    发明申请
    SYSTEM FOR COMMUNICABLE INTEGRATION OF AN AUTOMOBILE SYSTEM AND A FUEL STATION SYSTEM 审中-公开

    公开(公告)号：US20190156328A1

    公开(公告)日：2019-05-23

    申请号：US15910179

    申请日：2018-03-02

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Mark Allan Nelson ,  Karen Lea MacQueen ,  Stephen Philip Selfridge ,  Ashish B. Tajpuria ,  Tony England

    IPC: G06Q20/34 ,  H04L29/08 ,  G01C21/34

    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 third party entity from the one or more third party entities, establishing a communication link with a third party entity device associated with the third party entity, and initiating transfer of resources to the remote device to complete the interaction.

    "> POINT-OF-SALE (
    68.
    发明申请
    POINT-OF-SALE ("POS") SYSTEM INTEGRATING MERCHANT-BASED REWARDS 审中-公开

    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

    IPC: G07G1/00 ,  G06Q20/40 ,  G06Q30/02

    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.

    CRYPTO-CURRENCY REWARDS NETWORK
    69.
    发明申请
    CRYPTO-CURRENCY REWARDS NETWORK 审中-公开

    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

    IPC: G06Q30/02 ,  G06Q20/38 ,  G06Q20/06 ,  G06Q20/10 ,  H04L9/06

    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.

    ALTERNATIVE PROCESSING NETWORK FOR CUSTOM REWARDS TRANSACTIONS
    70.
    发明申请
    ALTERNATIVE PROCESSING NETWORK FOR CUSTOM REWARDS TRANSACTIONS 审中-公开

    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

    IPC: G06Q30/02 ,  G06Q20/20 ,  G06Q20/40

    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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