-
1.发明授权公开(公告)号：US09508076B2
公开(公告)日：2016-11-29
申请号：US13840586
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , Willard Andrew Barr , Doris Maria Garrett , Mark Allan Nelson , Jonathan H. Tucker , John Franklin Tuders , Elbert Lee Whitler , Paul Ronald DeKoster
CPC classification number: G06Q20/405 , G06Q20/20 , G06Q20/3278 , G06Q20/40 , G06Q20/4012 , G06Q30/06 , G06Q40/02
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.
Abstract translation: 一般来说，本发明的实施例涉及用于使用不可用资金或贷方的帐户的密码为不可用资金或信用提供帐户的服务的方法和装置。例如，在一些实施例中，提供了一种方法，其包括： （a）接收与交易相关的交易信息，交易涉及账户; （b）至少部分地基于交易信息确定该交易的结果将超出可用资金或信用额度; （c）接收与帐户无关的资金或信用卡的帐户密码; 以及（d）至少部分地授权交易，即接收不具备资金或信贷的账户密码。
-
2.发明申请公开(公告)号：US20130218777A1
公开(公告)日：2013-08-22
申请号：US13840586
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , Willard Andrew Barr , Doris Maria Garrett , Mark Allan Nelson , Jonathan H. Tucker , John Franklin Tuders , Elbert Lee Whitler , Paul Ronald DeKoster
IPC: G06Q20/40
CPC classification number: G06Q20/405 , G06Q20/20 , G06Q20/3278 , G06Q20/40 , G06Q20/4012 , G06Q30/06 , G06Q40/02
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.
Abstract translation: 一般来说，本发明的实施例涉及用于使用不可用资金或贷方的帐户的密码为不可用资金或信用提供帐户的服务的方法和装置。例如，在一些实施例中，提供了一种方法，其包括： （a）接收与交易相关的交易信息，交易涉及账户; （b）至少部分地基于交易信息确定该交易的结果将超出可用资金或信用额度; （c）接收与帐户无关的资金或信用卡的帐户密码; 以及（d）至少部分地授权交易，即接收不具备资金或信贷的账户密码。
-
3.发明申请EXCEEDED ACCOUNT THRESHOLD SERVICE INVOLVING EXCEEDED ACCOUNT THRESHOLD MAGNETIC STRIPE 有权涉及超额账户的超额账户门槛服务阈值磁条公开(公告)号：US20130214042A1
公开(公告)日：2013-08-22
申请号：US13840631
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , Willard Andrew Barr , Doris Maria Garrett , Mark Allan Nelson , Jonathan H. Tucker , John Franklin Tuders , Elbert Lee Whitler , Paul Ronald DeKoster
IPC: G06Q40/02
CPC classification number: G06Q40/02 , G06Q20/023 , G06Q20/20 , G06Q20/3278 , G06Q20/40 , G06Q20/4012 , G06Q30/06
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information.
Abstract translation: 一般来说，本发明的实施例涉及提供超过可用资金或信用服务的帐户的方法和装置，其涉及超过可用资金或信用磁条的账户。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中所述交易涉及交易机器和帐户，并且所述帐户与信用卡/借记卡相关联; （b）至少部分地基于交易信息来确定该账户将由于交易而产生超出可用资金或信用的账户; （c）接收超过可用资金或信用刷卡信息，指示信用卡/借记卡的可用资金或信用磁条的帐户在交易机器上被刷卡; 以及（d）至少部分地授权交易，以接收超出可用资金或信用刷卡信息的账户。
-
公开(公告)号：US20130218694A1
公开(公告)日：2013-08-22
申请号：US13840519
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
IPC: G06Q20/40
CPC classification number: G06Q20/405 , G06Q20/20 , G06Q20/227 , G06Q20/3676 , G06Q20/40 , G06Q20/401 , G06Q20/42
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
Abstract translation: 一般来说，本发明的实施例涉及用于通过交易机器提供超过帐户阈值的服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息来确定该账户将因交易而产生超过阈值; （c）通过交易机器提示持有人同意超出阈值; （d）接受持有人的同意超过阈值; （e）至少部分地授权交易获得持有人的同意。
-
5.发明授权公开(公告)号：US09047640B2
公开(公告)日：2015-06-02
申请号：US13840631
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , Willard Andrew Barr , Doris Maria Garrett , Mark Allan Nelson , Jonathan H. Tucker , John Franklin Tuders , Elbert Lee Whitler , Paul Ronald DeKoster
CPC classification number: G06Q40/02 , G06Q20/023 , G06Q20/20 , G06Q20/3278 , G06Q20/40 , G06Q20/4012 , G06Q30/06
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information.
Abstract translation: 一般来说，本发明的实施例涉及提供超过可用资金或信用服务的帐户的方法和装置，其涉及超过可用资金或信用磁条的账户。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中所述交易涉及交易机器和帐户，并且所述帐户与信用卡/借记卡相关联; （b）至少部分地基于交易信息来确定该账户将由于交易而产生超出可用资金或信用的账户; （c）接收超过可用资金或信用刷卡信息，指示信用卡/借记卡的可用资金或信用磁条的帐户在交易机器上被刷卡; 以及（d）至少部分地授权交易，以接收超出可用资金或信用刷卡信息的账户。
-
Patent Agency Ranking
公开(公告)号：US20130212023A1
公开(公告)日：2013-08-15
申请号：US13841589
申请日：2013-03-15
Applicant: Bank of America Corporation
IPC: G06Q20/28
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for offsetting future exceeded account threshold payments. In some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future exceeded account threshold payments associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an exceeded account threshold as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an exceeded account threshold payment associated with the exceeded account threshold; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient.
Abstract translation: 一般来说，本发明的实施例涉及用于抵消未来超过帐户门槛支付的方法和装置。 在一些实施例中，提供了一种方法，其包括：（a）接收一个或多个付款以抵消与帐户相关联的一个或多个未来超出账户阈值支付; （b）接收与交易相关的交易信息，交易涉及账户，以及在收到一个或多个付款之后发起交易的地点; （c）至少部分地基于交易信息来确定该账户将由于该交易而产生超出的账户门槛值; （d）确定所述一个或多个付款足以抵销与所述超出账户阈值相关联的超出账户阈值支付; 和（e）至少部分地授权交易，确定一个或多个付款是否足够。
-
公开(公告)号：US09595036B2
公开(公告)日：2017-03-14
申请号：US13840552
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
CPC classification number: G06Q20/405 , G06Q20/20 , G06Q20/40 , G06Q20/407 , G06Q20/425 , G06Q30/06 , G06Q40/02
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
Abstract translation: 一般来说，本发明的实施例涉及用于通过移动设备提供超过帐户阈值的服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息确定该账户将由于该交易而产生超额阈值金额; （c）提示持有人通过移动设备同意超过阈值金额，持有人与移动设备相关联; （d）收到持有人的同意超过阈值金额; （e）至少部分地授权交易获得持有人的同意。
-
公开(公告)号：US09595035B2
公开(公告)日：2017-03-14
申请号：US13840519
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
CPC classification number: G06Q20/405 , G06Q20/20 , G06Q20/227 , G06Q20/3676 , G06Q20/40 , G06Q20/401 , G06Q20/42
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
Abstract translation: 一般来说，本发明的实施例涉及用于通过交易机器提供超过帐户阈值的服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息来确定该账户将因交易而产生超过阈值; （c）通过交易机器提示持有人同意超出阈值; （d）接受持有人的同意超过阈值; （e）至少部分地授权交易获得持有人的同意。
-
公开(公告)号：US20130218697A1
公开(公告)日：2013-08-22
申请号：US13840552
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
IPC: G06Q20/40
CPC classification number: G06Q20/405 , G06Q20/20 , G06Q20/40 , G06Q20/407 , G06Q20/425 , G06Q30/06 , G06Q40/02
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
Abstract translation: 一般来说，本发明的实施例涉及用于通过移动设备提供超过帐户阈值的服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息确定该账户将由于该交易而产生超额阈值金额; （c）提示持有人通过移动设备同意超过阈值金额，持有人与移动设备相关联; （d）收到持有人的同意超过阈值金额; （e）至少部分地授权交易获得持有人的同意。
-
公开(公告)号：US20130212021A1
公开(公告)日：2013-08-15
申请号：US13837916
申请日：2013-03-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
IPC: G06Q20/40
CPC classification number: G06Q20/405 , G06Q20/227 , G06Q20/3676 , G06Q20/40 , G06Q20/401 , G06Q20/403 , G06Q20/42
Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an amount-exceeding-credit-threshold service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: determining that an account will exceed a credit threshold associated with the account as a result of a transaction, determining that a predetermined condition is met and/or that the consent of the holder of the account is valid for the transaction, and authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met.
Abstract translation: 一般来说，本发明的实施例涉及用于提供超过一个或多个预定条件的超额信用阈值服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：确定帐户将超过作为交易结果与帐户相关联的信用阈值，确定满足预定条件和/或持有人的同意 的帐户对交易有效，并且至少部分地基于收到同意来授权交易，确定持有者的同意对于交易是有效的和/或确定满足预定条件。
-
-
-
-
-
-
-
-
-
Search Results
10
records
(took 0.018 seconds)
