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公开(公告)号：US09972001B2
公开(公告)日：2018-05-15
申请号：US14672194
申请日：2015-03-29
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , Scott A. Weigman
CPC classification number: G06Q20/207 , G06Q20/08 , G06Q20/0855 , G06Q20/20 , G06Q20/3274 , G06Q30/0213 , G06Q30/0283 , G06Q30/06 , G06Q40/02
Abstract: Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction that originates at a merchant location associated with a merchant category code. The transaction cost may be recovered from a low-value purchase. A recovery amount associated with the low-value purchase may include a fixed amount. The recovery amount associated with the low-value purchase may include a percentage of the acceptance cost. The recovery amount may be shared among two or more transaction participant. The recovery amount may be dynamically adjusted. Methods and apparatus may include providing adequate notice of changes in the recovery amount. The transaction cost may be recovered utilizing central control over network of merchant locations.
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公开(公告)号：US20150073984A1
公开(公告)日：2015-03-12
申请号：US14548393
申请日：2014-11-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Charles Dominic Andrews , Scott A. Weigman , Matthew A. Calman
CPC classification number: G06Q20/1085 , G06Q20/40 , G06Q40/02
Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using an ATM machine. Through the use of an ATM, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities from the ATM using those accounts. In this way, the user may ensure a secure payment to a third-party through the network associated with the financial institution and ATM. The payments may be directed to individuals the user may input into the system or to pre-established entities. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience provided to the user by an ATM.
Abstract translation: 提供系统，方法和计算机程序产品，供用户使用ATM机发送和接收P2P支付。 通过使用ATM，用户可以访问用户在金融机构的帐户，并使用这些帐户直接向ATM的其他个人或实体支付费用。 以这种方式，用户可以通过与金融机构和ATM相关联的网络确保对第三方的安全支付。 付款可以针对用户可以输入到系统或预先建立的实体的个人。 本发明允许用户通过ATM向用户提供的安全性，准确性和方便性来接收和提供任何类型的交易的支付。
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公开(公告)号：US20140108166A1
公开(公告)日：2014-04-17
申请号：US13651584
申请日：2012-10-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew D. Murphy , Scott A. Weigman
CPC classification number: G06Q20/207 , G06Q20/08 , G06Q20/0855 , G06Q20/20 , G06Q20/3274 , G06Q30/0213 , G06Q30/0283 , G06Q30/06 , G06Q40/02
Abstract: Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction that originates at a merchant location associated with a merchant category code. The transaction cost may be recovered from a low-value purchase. A recovery amount associated with the low-value purchase may include a fixed amount. The recovery amount associated with the low-value purchase may include a percentage of the acceptance cost. The recovery amount may be shared among two or more transaction participant. The recovery amount may be dynamically adjusted. Methods and apparatus may include providing adequate notice of changes in the recovery amount. The transaction cost may be recovered utilizing central control over network of merchant locations.
Abstract translation: 提供了用于恢复与客户和商家之间的交易相关的交易成本的方法和装置。 可以从与商家类别代码相关联的商家位置处发生的交易中恢复交易成本。 交易成本可能从低价值购买中恢复。 与低价值购买相关联的复原金额可以包括固定金额。 与低价值购买相关的回收金额可能包括接受成本的百分比。 恢复量可以由两个或更多个交易参与者共享。 恢复量可以动态调整。 方法和装置可以包括提供恢复量的变化的充分通知。 可以通过对商家地点的网络进行中央控制来恢复交易成本。
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公开(公告)号：US09576282B2
公开(公告)日：2017-02-21
申请号：US13651584
申请日：2012-10-15
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , Scott A. Weigman
CPC classification number: G06Q20/207 , G06Q20/08 , G06Q20/0855 , G06Q20/20 , G06Q20/3274 , G06Q30/0213 , G06Q30/0283 , G06Q30/06 , G06Q40/02
Abstract: Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction that originates at a merchant location associated with a merchant category code. The transaction cost may be recovered from a low-value purchase. A recovery amount associated with the low-value purchase may include a fixed amount. The recovery amount associated with the low-value purchase may include a percentage of the acceptance cost. The recovery amount may be shared among two or more transaction participant. The recovery amount may be dynamically adjusted. Methods and apparatus may include providing adequate notice of changes in the recovery amount. The transaction cost may be recovered utilizing central control over network of merchant locations.
Abstract translation: 提供了用于恢复与客户和商家之间的交易相关的交易成本的方法和装置。 可以从与商家类别代码相关联的商家位置处的交易中恢复交易成本。 交易成本可能从低价值购买中恢复。 与低价值购买相关联的复原金额可以包括固定金额。 与低价值购买相关的回收金额可能包括接受成本的百分比。 恢复量可以由两个或更多个交易参与者共享。 恢复量可以动态调整。 方法和装置可以包括提供恢复量的变化的充分通知。 可以通过对商家地点的网络进行中央控制来恢复交易成本。
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公开(公告)号：US10339528B2
公开(公告)日：2019-07-02
申请号：US14571828
申请日：2014-12-16
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , Scott A. Weigman
Abstract: Apparatus and methods for auditing a transaction record are provided. The transaction record may correspond to a credit card transaction. The auditing may include identifying a surcharge violation. The surcharge violation may be an unlawful surcharge. The auditing may identify patterns of double surcharging. Transaction-level auditing may include ensuring that a surcharge is returned upon a product return. A mobile wallet application may allow consumers to access and/or report merchant surcharge compliance activity. Functionality may include surcharge receipt scanning for use in crosschecking authenticity of a consumer report. Additional crosscheck functionality provided by geographic location support. Embodiments may include a registry for merchants that certify their surcharge calculations.
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Patent Agency Ranking">
公开(公告)号：US20150206120A1
公开(公告)日：2015-07-23
申请号：US14672194
申请日：2015-03-29
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , Scott A. Weigman
CPC classification number: G06Q20/207 , G06Q20/08 , G06Q20/0855 , G06Q20/20 , G06Q20/3274 , G06Q30/0213 , G06Q30/0283 , G06Q30/06 , G06Q40/02
Abstract: Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction that originates at a merchant location associated with a merchant category code. The transaction cost may be recovered from a low-value purchase. A recovery amount associated with the low-value purchase may include a fixed amount. The recovery amount associated with the low-value purchase may include a percentage of the acceptance cost. The recovery amount may be shared among two or more transaction participant. The recovery amount may be dynamically adjusted. Methods and apparatus may include providing adequate notice of changes in the recovery amount. The transaction cost may be recovered utilizing central control over network of merchant locations.
Abstract translation: 提供了用于恢复与客户和商家之间的交易相关的交易成本的方法和装置。 可以从与商家类别代码相关联的商家位置处的交易中恢复交易成本。 交易成本可能从低价值购买中恢复。 与低价值购买相关联的复原金额可以包括固定金额。 与低价值购买相关的回收金额可能包括接受成本的百分比。 恢复量可以由两个或更多个交易参与者共享。 恢复量可以动态调整。 方法和装置可以包括提供恢复量的变化的充分通知。 可以通过对商家地点的网络进行中央控制来恢复交易成本。
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公开(公告)号：US09691060B2
公开(公告)日：2017-06-27
申请号：US13651634
申请日：2012-10-15
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , Scott A. Weigman
Abstract: Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction that originates at a merchant location associated with a merchant category code. The transaction cost may be recovered from a low-value purchase. A recovery amount associated with the low-value purchase may include a fixed amount. The recovery amount associated with the low-value purchase may include a percentage of the acceptance cost. The recovery amount may be shared among two or more transaction participant. The recovery amount may be dynamically adjusted. Methods and apparatus may include providing adequate notice of changes in the recovery amount. The transaction cost may be recovered utilizing central control over network of merchant locations.
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公开(公告)号：US20150106271A1
公开(公告)日：2015-04-16
申请号：US14571828
申请日：2014-12-16
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , Scott A. Weigman
IPC: G06Q20/40
CPC classification number: G06Q20/405 , G06Q40/10
Abstract: Apparatus and methods for auditing a transaction record are provided. The transaction record may correspond to a credit card transaction. The auditing may include identifying a surcharge violation. The surcharge violation may be an unlawful surcharge. The auditing may identify patterns of double surcharging. Transaction-level auditing may include ensuring that a surcharge is returned upon a product return. A mobile wallet application may allow consumers to access and/or report merchant surcharge compliance activity. Functionality may include surcharge receipt scanning for use in crosschecking authenticity of a consumer report. Additional crosscheck functionality provided by geographic location support. Embodiments may include a registry for merchants that certify their surcharge calculations.
Abstract translation: 提供了用于审计交易记录的装置和方法。 交易记录可对应于信用卡交易。 审计可能包括识别附加费违规。 违规附加费可能是非法的。 审计可以确定双重附加费的模式。 交易级审计可能包括确保产品退回时收取附加费。 移动钱包应用程序可能允许消费者访问和/或报告商业附加费合规活动。 功能可能包括附加费收据扫描，用于交叉检查消费者报告的真实性。 由地理位置支持提供的附加交叉检查功能。 实施例可以包括用于证明其附加费计算的商家的注册表。
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公开(公告)号：US20140172537A1
公开(公告)日：2014-06-19
申请号：US13717262
申请日：2012-12-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott A. Weigman
IPC: G06Q20/22
CPC classification number: G06Q20/22 , G06Q30/0213
Abstract: Apparatus and methods for determining a transaction cost recovery amount are provided. The transaction cost recovery amount may be determined for each of a plurality of locations. The locations may include point-of-sale terminals and/or checkout lanes. The transaction cost recovery amount may be determined based on Merchant Category Code (“MCC”) information. When a customer leaves a first location associated with a first MCC, the customer may be informed of a transaction cost recovery amount at a second location. The second location may be associated with a second MCC. The transaction cost recovery amount may be determined based on a product inventory. The transaction cost recovery amount may be imposed to maintain an inventory level above a critical level. The transaction cost recovery amount may be based on a decrease and/or increase in an inventory level.
Abstract translation: 提供了用于确定交易成本回收量的装置和方法。 可以为多个位置中的每一个确定交易成本回收量。 位置可以包括销售点终端和/或结帐通道。 可以根据商户类别代码（“MCC”）信息确定交易成本回收金额。 当客户离开与第一MCC相关联的第一位置时，可以向客户通知在第二位置处的交易成本回收量。 第二位置可以与第二MCC相关联。 可以基于产品库存来确定交易成本回收量。 可能会征收交易成本回收金额以将库存水平维持在临界水平以上。 交易成本回收金额可以基于库存水平的下降和/或增加。
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公开(公告)号：US20140156434A1
公开(公告)日：2014-06-05
申请号：US13705692
申请日：2012-12-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew D. Murphy , Scott A. Weigman
IPC: G06Q40/00
CPC classification number: G06Q20/405 , G06Q40/10
Abstract: Apparatus and methods for auditing a transaction record are provided. The transaction record may correspond to a credit card transaction. The auditing may include identifying a surcharge violation. The surcharge violation may be an unlawful surcharge. The auditing may identify patterns of double surcharging. Transaction-level auditing may include ensuring that a surcharge is returned upon a product return. A mobile wallet application may allow consumers to access and/or report merchant surcharge compliance activity. Functionality may include surcharge receipt scanning for use in crosschecking authenticity of a consumer report. Additional crosscheck functionality provided by geographic location support. Embodiments may include a registry for merchants that certify their surcharge calculations.
Abstract translation: 提供了用于审计交易记录的装置和方法。 交易记录可对应于信用卡交易。 审计可能包括识别附加费违规。 违规附加费可能是非法的。 审计可以确定双重附加费的模式。 交易级审计可能包括确保产品退回时收取附加费。 移动钱包应用程序可能允许消费者访问和/或报告商业附加费合规活动。 功能可能包括附加费收据扫描，用于交叉检查消费者报告的真实性。 由地理位置支持提供的附加交叉检查功能。 实施例可以包括用于证明其附加费计算的商家的注册表。
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