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    TOKENIZATION OF USER ACCOUNTS FOR DIRECT PAYMENT AUTHORIZATION CHANNEL
    4.
    发明申请
    TOKENIZATION OF USER ACCOUNTS FOR DIRECT PAYMENT AUTHORIZATION CHANNEL 有权

    公开(公告)号：US20160275512A1

    公开(公告)日：2016-09-22

    申请号：US15170681

    申请日：2016-06-01

    Applicant: Bank of America Corporation

    Inventor： Laura Corinne Bondesen ,  Scott Lee Harkey

    IPC: G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/405 ,  G06Q20/3674 ,  G06Q20/38 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/409

    Abstract: Embodiments of the present invention disclose a financial institution system maintained by a financial institution and for tokenization of user accounts for using a direct payment authorization channel, whereby a third party payment authorization network is avoided. Embodiments establish a direct channel of communication between the system and a merchant or a merchant network in communication with the merchant; wherein the direct channel of communication comprises a network communication channel without a third party payment authorization system; receive a token issued by the financial institution and associated with a user account associated with a customer of the financial institution; receive transaction data comprising an amount associated with a transaction between the customer of the financial institution and the merchant; and determine whether to authorize the transaction based on the received token and the received transaction data.

    GEOLOCATION CHECK-IN SYSTEM
    5.
    发明申请
    GEOLOCATION CHECK-IN SYSTEM 有权
    地理检查系统

    公开(公告)号：US20160148127A1

    公开(公告)日：2016-05-26

    申请号：US15009524

    申请日：2016-01-28

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Scott Lee Harkey ,  David M. Grigg ,  Laura Corinne Bondesen ,  Matthew A. Calman

    IPC: G06Q10/02 ,  H04W4/02 ,  G06Q50/00

    CPC classification number: G06Q10/02 ,  G06Q10/04 ,  G06Q30/0601 ,  G06Q30/0619 ,  G06Q50/01 ,  G06Q50/10 ,  H04L67/18 ,  H04W4/02 ,  H04W4/021

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.

    Abstract translation: 本发明的实施例涉及用于提供地理位置登记系统的系统，方法和计算机程序产品。 示例性装置被配置为收集与用户相关的定位数据。 在收集位置数据之后，装置可以被配置为至少部分地基于用户已经越过与商家的位置相关联的地理围栏的阈值的定位数据来确定。 至少部分地基于该确定，该装置可以被配置为发起与用户相关联的商家签入并向用户传送用户信息。

    PROXIMITY TO A LOCATION AS A FORM OF AUTHENTICATION
    6.
    发明申请
    PROXIMITY TO A LOCATION AS A FORM OF AUTHENTICATION 审中-公开
    作为认证形式的位置的接近度

    公开(公告)号：US20150302411A1

    公开(公告)日：2015-10-22

    申请号：US14258270

    申请日：2014-04-22

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Laura Corinne Bondesen ,  Scott Lee Harkey

    IPC: G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/3224 ,  G06Q20/20

    Abstract: Disclosed is a system and associated method of authenticating a transaction based at least partially on the location of a mobile device. The system typically includes a processor, a memory, and a transaction authentication module stored in the memory. The module is typically configured for: receiving a request from a user to complete a transaction; receiving geographic location information for a point-of-transaction associated with the transaction; receiving geographic location information for the mobile device associated with the user; determining whether the geographic location of the point-of-transaction is geographically proximate to the geographic location of the mobile device; and based at least partially on the geographic location of the point-of-transaction being geographically proximate to the geographic location of the mobile device, enabling the user to complete the transaction.

    Abstract translation: 公开了至少部分地基于移动设备的位置来认证交易的系统和相关联的方法。 系统通常包括存储在存储器中的处理器，存储器和事务认证模块。 模块通常被配置为：从用户接收请求以完成事务; 接收与交易相关联的交易点的地理位置信息; 接收与用户相关联的移动设备的地理位置信息; 确定所述交易点的地理位置是否在地理上靠近所述移动设备的地理位置; 并且至少部分地基于在地理上靠近移动设备的地理位置的交易点的地理位置，使得用户能够完成交易。

    PROVIDING OFFERS ASSOCIATED WITH PAYMENT CREDENTIALS AUTHENTICATED IN A SPECIFIC DIGITAL WALLET
    7.
    发明申请
    PROVIDING OFFERS ASSOCIATED WITH PAYMENT CREDENTIALS AUTHENTICATED IN A SPECIFIC DIGITAL WALLET 有权
    提供与特定数字电子钱包认证的付款凭证相关的优惠

    公开(公告)号：US20150254698A1

    公开(公告)日：2015-09-10

    申请号：US14196869

    申请日：2014-03-04

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Laura Corinne Bondesen ,  Jason P. Blackhurst ,  Scott Lee Harkey ,  William Blakely Belchee ,  Tammy L. Brunswig

    IPC: G06Q30/02 ,  G06Q20/36 ,  G06Q20/32

    CPC classification number: G06Q30/0215 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/367 ,  G06Q20/385

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet on a user's mobile device, authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include at least one incentive for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers.

    Abstract translation: 本发明的实施例涉及用于在数字钱包中提供补充帐户信息的系统，方法和计算机程序产品。 示例性设备被配置为：在用户的移动设备上接收提供数字钱包的请求，认证用于数字钱包内的至少一个支付凭证; 接收访问被配置为将提供推送到数字钱包的应用程序编程接口，其中所述应用编程接口与由所述数字钱包提供者维护的至少一个数据库相关联; 通过所述应用编程接口从所述至少一个数据库接收一个或多个提供，其中所述提议包括使用与所述数字钱包相关联的所述至少一个支付凭证处理支付的至少一个激励; 并且向移动设备的显示器上的用户呈现一个或多个报价。

    RECOMMENDING VEHICLE FOR PAYMENT BASED ON SOCIAL NETWORK DATA
    8.
    发明申请
    RECOMMENDING VEHICLE FOR PAYMENT BASED ON SOCIAL NETWORK DATA 审中-公开
    基于社会网络数据的建议车辆付款

    公开(公告)号：US20140279505A1

    公开(公告)日：2014-09-18

    申请号：US13803682

    申请日：2013-03-14

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Matthew A. Calman ,  Scott Lee Harkey ,  Laura Corinne Bondesen ,  Robert Scott Ellis

    IPC: G06Q20/22

    CPC classification number: G06Q20/227 ,  G06Q30/0645

    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction based on social network data. Embodiments of the invention allow a customer to receive a recommended payment vehicle for a transaction with a merchant where the recommended payment vehicle is determined based on social network data. In this way, a payment recommendation may be based on one or more preferences of a trusted advisor, social network friend, family member, celebrity, or an aggregation of data related to how a group of individuals on a social network are selecting payment vehicles for various merchants. The invention may review this social network data and provide the customer with a payment vehicle recommendation for a transaction with a merchant.

    Abstract translation: 本发明的实施例涉及一种用于基于社交网络数据为交易推荐支付车辆的系统，方法或计算机程序产品。 本发明的实施例允许客户接收与商户的交易的推荐支付车辆，其中基于社交网络数据确定推荐支付车辆。 以这种方式，支付建议可以基于信任顾问，社交网络朋友，家庭成员，名人或与社交网络上的一组个人如何选择支付车辆的数据的一个或多个偏好相关联 各种商人。 本发明可以审查这种社交网络数据，并向客户提供与商家进行交易的支付车辆推荐。

    Providing automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device
    9.
    发明授权
    Providing automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device 有权
    基于确定活动参与者的移动通信设备的位置，为活动提供自动的初始和最终支付

    公开(公告)号：US08744968B1

    公开(公告)日：2014-06-03

    申请号：US13800916

    申请日：2013-03-13

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Susan Smith Thomas ,  Scott Lee Harkey ,  Laura Bondesen ,  Matthew A. Calman

    IPC: G06Q10/00 ,  G06Q40/00

    CPC classification number: G06Q20/3224 ,  G06Q10/00 ,  G06Q40/00

    Abstract: Systems, methods and computer programs provide for automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device. The described embodiments provide for the activity participant to automatically pay for the activity based on their presence at the activity location and agreement to participate. As such, the need to check-in and/or pay for the activity at a conventional payment counter is eliminated. Further, the invention provides for an automatic final payment to be made at the conclusion of the activity as opposed to having to pre-pay for the activity prior to conducting the activity. By remitting final payment at the completion of the activity, activity pricing can be accurately determined based on the amount and/or time of the activity in which the activity participant participated.

    Abstract translation: 系统，方法和计算机程序提供基于确定活动参与者的移动通信设备的位置的活动的自动初始和最终支付。 所描述的实施例提供活动参与者基于他们在活动位置的存在和参与协议来自动支付活动。 因此，消除了在常规支付柜台登记和/或支付活动的需要。 此外，本发明提供了在活动结束时自动最终付款，而不是在进行活动之前必须预付活动费用。 通过在活动完成后汇报最终付款，可以根据活动参与者参与的活动的数量和/或时间准确确定活动定价。

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