公开(公告)号：US20170091758A1

公开(公告)日：2017-03-30

申请号：US14870790

申请日：2015-09-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Andrew D. Kim ,  Gregory Joseph Lloyd ,  Lauren Marie Zavodny ,  James Gregory Ronca ,  Stephen Philip Selfridge

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

CPC classification number: G06Q20/02 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/3672 ,  G06Q20/385

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for payment vehicle agnostic payment tokenization. In this way, the invention provides a means for a user to use a token for a transaction at a merchant without the merchant making infrastructural changes. The token may be specifically coded for merchant recognition and identification that the merchant's infrastructure is not capable of processing the received token. Instead of declining the transaction, code is implemented into the token that the merchant recognizes and routes the token to the invention infrastructure for authorization. The infrastructure then correlates the token to the appropriate account and finalizing authorization and payment routing based on the correlation.

公开(公告)号：US20170091757A1

公开(公告)日：2017-03-30

申请号：US14870797

申请日：2015-09-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Gregory Joseph Lloyd ,  James Gregory Ronca ,  Lauren Marie Zavodny ,  Stephen Philip Selfridge ,  Andrew D. Kim

IPC: G06Q20/36 ,  H04L29/06 ,  G06Q20/38

CPC classification number: G06Q20/3672 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/385 ,  H04L63/067 ,  H04L63/083 ,  H04L63/0838

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for improving the digital wallet storage system by providing hardware and software capable of provisioning, allocating, and compartmentalizing generated tokens for transaction utilization. In this way, the invention allows a user to switch out payment vehicles, payment accounts, merchants, or authorized user for one or more tokens. Thus the provisioning and allocation system allows for manipulation and provisioning of tokens, such that a user device may control the one or more payment accounts, payment vehicles, authorized users, time/date of use, and the like for each token accumulated by a user.