公开(公告)号：US20220058906A1

公开(公告)日：2022-02-24

申请号：US16999973

申请日：2020-08-21

Applicant: BANK OF AMERICA CORPORATION

Inventor： Srinivas Dundigalla ,  Mohan Rao Balan ,  Pavan Kumar Chayanam ,  Varsha Devadas ,  Tony England ,  Hari Gopalkrishnan ,  Brandon Kozlowski ,  Kurt A. Loth ,  Navdeep Mahajan ,  Carl Parziale ,  Rupal V. Shah ,  Manoj Shankar ,  David Smiddy ,  Cory Scott Turco ,  Robert L. Wright, JR. ,  Xianhong Zhang ,  Pavan Singaraju

IPC: G07D11/60 ,  H04W4/80 ,  H04L29/08 ,  H04W12/06 ,  G06Q30/00 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/22 ,  G06K7/10 ,  G07D11/22

Abstract: Contactless dispensing of objects from object-dispensing machines. A digital token is wirelessly communicated to the machine via short-range wireless communication, such as Near Field Communication (NFC) or the like. In response, a push notification is communicated to the user's wireless device, which includes an activatable link for launching a mobile application. In response to launching the mobile application and authenticating the user, the mobile application provides object-dispensing machine-like user interfaces that are configured to allow the user to input object requesting parameters and submit a request for objects to be dispensed from the object-dispensing machine. The request is communicated to the object-dispensing machines (or corresponding backend processing systems) and, once the request is verified, the object-dispensing machine dispenses the requested objects.

公开(公告)号：US20160335608A1

公开(公告)日：2016-11-17

申请号：US14713548

申请日：2015-05-15

Applicant: Bank of America Corporation

Inventor： Tamilarasan Balasubramani ,  Manoj Shankar ,  Raghav Shenoy

IPC: G06Q20/06 ,  G06Q20/32 ,  G06Q20/10

CPC classification number: G06Q20/322 ,  G06Q20/3274 ,  G06Q20/351

Abstract: Systems, methods, apparatuses, and computer-readable media configured to generate a virtual payment device having a scannable code are presented. The scannable code may be a bar code, quick response code, or, in some examples, the virtual payment device may include both. In some arrangements, a user may provide one or more parameters associated with the virtual payment device, such as an amount, an expiration date, and/or a name of one or more merchants at which the virtual payment device may be used. The virtual payment device may be generated and the scannable code may include the parameter information. Accordingly, a user may scan the code on the virtual payment device at a point of sale system at a merchant to use the virtual payment device as a method of payment. If the virtual payment device is authenticated, the transaction may be processed by the point of sale system.

Abstract translation: 呈现配置成生成具有可扫描码的虚拟支付设备的系统，方法，设备和计算机可读介质。 可扫描代码可以是条形码，快速响应代码，或者在一些示例中，虚拟支付设备可以包括两者。 在一些布置中，用户可以提供与虚拟支付设备相关联的一个或多个参数，例如可以使用虚拟支付设备的一个或多个商户的金额，到期日期和/或名称。 可以生成虚拟支付设备，并且可扫描代码可以包括参数信息。 因此，用户可以在商户的销售点系统处扫描虚拟支付设备上的代码，以使用虚拟支付设备作为付款方式。 如果虚拟支付设备被认证，则交易可以由销售点系统处理。