公开(公告)号：US11234235B2

公开(公告)日：2022-01-25

申请号：US16399874

申请日：2019-04-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: H04W72/04 ,  H04W4/80 ,  G06F9/50 ,  H04W12/06

Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.

公开(公告)号：US20220019483A1

公开(公告)日：2022-01-20

申请号：US16933656

申请日：2020-07-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Justin Riley duPont ,  Charles Jason Burrell ,  Tony England ,  Michael Robert Hasslinger ,  Christina Ann Lillie ,  John Allen Sellers

IPC: G06F9/50

Abstract: Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The type of supplemental resources and number of supplemental resources may be converted based on the types of resource pools from which and to which the supplemental resources are being transferred.

公开(公告)号：US20210209570A1

公开(公告)日：2021-07-08

申请号：US16732497

申请日：2020-01-02

Applicant: Bank of America Corporation

Inventor： Tony England ,  Steven Michael Twombly ,  Kristin Hodge Wallace

IPC: G06Q20/12 ,  G06Q20/10 ,  G06Q20/38 ,  H04L12/911

Abstract: Systems, computer program products, and methods are described herein for layered digital resource distribution in an electronic network environment. The present invention is configured to electronically receive computing instructions from a computing device associated with a first entity comprising a first request to execute a resource transfer with a second entity; determine a primary digital resource associated with the first entity; generate a first digital resource specifically to execute the resource transfer with the second entity, wherein the first digital resource is associated with the primary digital resource, wherein the first digital resource is electronically linked to the primary digital resource; initiate the execution of the first request of the resource transfer with the second entity using the first digital resource; and store the first digital resource in a digital repository associated with the primary digital resource.

公开(公告)号：US20210150533A1

公开(公告)日：2021-05-20

申请号：US16683327

申请日：2019-11-14

Applicant: Bank of America Corporation

Inventor： Tony England ,  Stephen Philip Selfridge

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/32 ,  G06K9/46

Abstract: Systems, computer program products, and methods are described herein for an authentication framework for real-time document processing. The present invention is configured to receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument; extract, using optical character recognition, payment instrument data from the payment instrument; receive one or more authentication credentials from the user to endorse the payment instrument; determine an authentication level of the user based on at least receiving the one or more authentication credentials from the user; determine whether the authentication level of the user meets an authentication requirement level associated with the processing of the payment instrument; and process, in real-time, the payment instrument.

公开(公告)号：US10990998B2

公开(公告)日：2021-04-27

申请号：US15977317

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 ,  G06Q20/40 ,  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 free form rewards in a custom rewards transaction at a POS terminal. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards (“MFR”) program. The merchant may offer rewards in the MFR program based on location and customer data. The merchant may offer rewards that promote customer behaviors that are advantageous to the merchant. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program.

公开(公告)号：US10990971B2

公开(公告)日：2021-04-27

申请号：US16550832

申请日：2019-08-26

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06Q40/00 ,  G06Q20/40 ,  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：US10984437B2

公开(公告)日：2021-04-20

申请号：US15977253

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 ,  G06Q20/40 ,  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. 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.

公开(公告)号：US10685569B2

公开(公告)日：2020-06-16

申请号：US15910188

申请日：2018-03-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mark Allan Nelson ,  Karen Lea MacQueen ,  Ashish B. Tajpuria ,  Steven Michael Twombly ,  Tony England

IPC: G08G1/14 ,  G01C21/36 ,  H04L29/08 ,  G05D23/19 ,  H04W64/00 ,  H04W76/10 ,  H04M1/60 ,  H04M1/725 ,  H04W4/02 ,  H04W72/04 ,  G06F16/9537 ,  G06F16/29 ,  G06Q10/08 ,  G06Q30/06 ,  G01C21/34 ,  G06Q20/34 ,  G07B15/06 ,  G07B15/02 ,  G01S19/51

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

公开(公告)号：US10346003B2

公开(公告)日：2019-07-09

申请号：US15294088

申请日：2016-10-14

Applicant: Bank of America Corporation

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

IPC: G06F21/31 ,  H04W4/021 ,  G06F3/0484 ,  G06Q30/00

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：US20190147484A1

公开(公告)日：2019-05-16

申请号：US15977317

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 ,  G06Q20/24

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling free form rewards in a custom rewards transaction at a POS terminal. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards (“MFR”) program. The merchant may offer rewards in the MFR program based on location and customer data. The merchant may offer rewards that promote customer behaviors that are advantageous to the merchant. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program.