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公开(公告)号：US20140279506A1
公开(公告)日：2014-09-18
申请号：US13804345
申请日：2013-03-14
Applicant: BANK OF AMERICA CORPORATION
Inventor： Eileen D. Bridges , Lisa Gibson , James G. Ronca , Mark D. Zanzot , Susan Smith Thomas
IPC: G06Q20/32
CPC classification number: G06Q20/322 , G06Q20/3276
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for making a mobile payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia from a second apparatus; enable a user to input payment information, wherein the payment information comprises at least one of a payee, a payment amount, or a payment source; transmit the readable indicia and the payment information to a third apparatus.
Abstract translation: 本发明的实施例涉及通过传输网络进行移动支付的系统，方法和计算机程序产品。 在一些实施例中，第一装置被配置为：从第二装置接收可读标记; 使用户能够输入支付信息，其中所述支付信息包括收款人，支付金额或支付来源中的至少一个; 将可读标记和支付信息发送到第三装置。
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公开(公告)号：US20190251555A1
公开(公告)日：2019-08-15
申请号：US16182265
申请日：2018-11-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： Ann Elizabeth Flaherty McCormick , Nirmalya Banerjee , David James McGinness , Elizabeth Anne Prudden , Deepak Mysore Shamarao , Robin Elizabeth Tooker , Mark D. Zanzot , Colin Zeglen
CPC classification number: G06Q20/389 , G06F16/2379 , G06F16/27 , G06Q20/24 , G06Q20/405 , H04L9/0637 , H04L2209/38
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for block chain based distributed ledger system for standby guarantee resource applications, submissions, and approvals for party visualization. In this way, the invention provides automation of standby guarantee resource utilizing block chain distributed ledger technology to provide full transactional transparency to all parties, enforcement of configurable rules terms, enforcement of contractual terms, routing expedition, data integration, and authentication.
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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。
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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。
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Patent Agency Ranking
公开(公告)号：US20140279483A1
公开(公告)日：2014-09-18
申请号：US13804095
申请日：2013-03-14
Applicant: BANK OF AMERICA CORPORATION
Inventor： Eileen D. Bridges , Lisa Gibson , James G. Ronca , Mark D. Zanzot , Susan Smith Thomas
IPC: G06Q20/16
CPC classification number: G06Q20/027 , G06Q20/227 , G06Q20/322 , G06Q20/3276
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for making a payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia and payment information from a second apparatus, wherein the payment information comprises an amount of funds; identify an account associated with the readable indicia based on searching a database of records; process the payment information, wherein processing the payment information comprises transmitting to the identified account the determined amount of funds; transmit an acknowledgement of payment transfer to a third apparatus associated with the identified account.
Abstract translation: 本发明的实施例涉及用于通过传送网络进行支付的系统，方法和计算机程序产品。 在一些实施例中，第一装置被配置为：从第二装置接收可读标记和支付信息，其中所述支付信息包括一定数量的资金; 基于搜索记录数据库识别与可读标记相关联的帐户; 处理支付信息，其中处理支付信息包括向确定的账户传送所确定的资金数量; 将支付转移确认传送给与所识别的帐户相关联的第三设备。
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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。
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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。
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公开(公告)号：US20190251556A1
公开(公告)日：2019-08-15
申请号：US16182303
申请日：2018-11-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： Ann Elizabeth Flaherty McCormick , Nirmalya Banerjee , David James McGinness , Elizabeth Anne Prudden , Deepak Mysore Shamarao , Robin Elizabeth Tooker , Mark D. Zanzot , Colin Zeglen
CPC classification number: G06Q20/389 , G06F16/2379 , G06F16/27 , G06Q20/24 , G06Q20/405 , H04L9/0637 , H04L2209/38
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for onboarding members to a block chain based distributed ledger system for standby guarantee resources applications, submissions, and approvals for party visualization. In this way, the invention provides automation of standby guarantee resources utilizing block chain distributed ledger technology to provide full transactional transparency to all parties, enforcement of configurable rules terms, and enforcement of contractual terms, routing expedition, data integration, and authentication.
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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。
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