公开(公告)号：US11336587B1

公开(公告)日：2022-05-17

申请号：US17199070

申请日：2021-03-11

Applicant: BANK OF AMERICA CORPORATION

Inventor： Robertson Walters Greenbacker ,  Brian Wallace Borneman ,  Justin Riley duPont ,  Tony England ,  Timothy Stephen Nurse ,  Stephen Philip Selfridge

IPC: H04L12/927 ,  H04L47/80 ,  H04L47/762 ,  H04L47/74 ,  G06N20/00 ,  G06Q20/40 ,  G06Q10/06

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation and management of controlled-use resources which allow the sender of an electronic resource transfer to limit the ways in which the recipient may use the received resources. This invention allows the sender to maintain control over the products or services purchased with transferred resources, as well as personalize a transfer for a recipient by selecting a favorite merchant or spending category of the recipient. The invention may also benefit a plurality of merchants and other third party entities which may obtain new customers as a result of said customers receiving controlled-use resources designated for said merchants.