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Patent Agency Ranking
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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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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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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