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    PROVIDING OFFERS ASSOCIATED WITH PAYMENT CREDENTIALS AUTHENTICATED IN A SPECIFIC DIGITAL WALLET
    4.
    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。

    CONTROLLING TOKEN ISSUANCE BASED ON EXPOSURE
    7.
    发明申请
    CONTROLLING TOKEN ISSUANCE BASED ON EXPOSURE 审中-公开
    基于曝光控制问题

    公开(公告)号：US20150254650A1

    公开(公告)日：2015-09-10

    申请号：US14196030

    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: G06Q20/36 ,  G06Q20/38

    CPC classification number: G06Q20/3674

    Abstract: Embodiments described herein relate to an invention for providing a new token to a consumer for use in a pending transaction based on a determined level of exposure is provided. The systems, methods, and computer program products are configured to: (a) receive information associated with a purchase transaction involving a payment vehicle; (b) determine a potential exposure to loss based at least partially on the information associated with the purchase transaction; (c) in response to determining the potential exposure to loss, generate a token mitigating the potential exposure to loss prior to completing the purchase transaction; and (d) complete the purchase transaction based on the generated token.

    Abstract translation: 本文描述的实施例涉及一种用于基于所确定的暴露水平提供用于在待处理交易中使用的消费者的新令牌的发明。 系统，方法和计算机程序产品被配置为：（a）接收与涉及付款车辆的购买交易相关联的信息; （b）至少部分地基于与购买交易相关的信息确定潜在的损失风险; （c）响应确定潜在的损失风险，在完成购买交易之前产生减轻潜在的损失风险的令牌; （d）根据生成的令牌完成购买交易。

    PROVIDING SUPPLEMENTAL ACCOUNT INFORMATION IN DIGITAL WALLETS
    8.
    发明申请
    PROVIDING SUPPLEMENTAL ACCOUNT INFORMATION IN DIGITAL WALLETS 审中-公开
    在数字电子钱包中提供补充帐户信息

    公开(公告)号：US20150254645A1

    公开(公告)日：2015-09-10

    申请号：US14196919

    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: G06Q20/36 ,  G06Q20/40 ,  G06Q20/32

    CPC classification number: G06Q20/363 ,  G06Q20/322 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/4014

    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 receive supplemental account information related to an account payment credential associated with a digital wallet; authenticate the user's identity based at least partially on one or more authentication credentials by verifying the user is an account holder associated with the account; in response to authenticating the user's identity, receive access to an application programming interface configured to push supplemental account information to digital wallets associated with the payment credential; receive, via the application programming interface from the at least one database, supplemental information related to the payment credential; and present, on a display of the mobile device, the supplemental information related to the payment credential.

    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。 示例性装置被配置为：接收接收与数字钱包相关联的与帐户支付凭证相关的补充账户信息的请求; 至少部分地基于一个或多个认证凭证来验证用户的身份，通过验证用户是与帐户相关联的帐户持有人; 响应于验证用户的身份，接收对配置为将补充帐户信息推送到与支付凭证相关联的数字钱包的应用程序编程接口; 通过所述应用编程接口从所述至少一个数据库接收与所述支付凭证相关的补充信息; 并且在移动设备的显示器上呈现与支付凭证相关的补充信息。

    DIGITAL WALLET EXPOSURE REDUCTION
    9.
    发明申请
    DIGITAL WALLET EXPOSURE REDUCTION 有权
    数字电子钱包减少

    公开(公告)号：US20150254642A1

    公开(公告)日：2015-09-10

    申请号：US14196545

    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: G06Q20/36

    CPC classification number: G06Q20/363 ,  G06Q20/0855 ,  G06Q20/3278 ,  G06Q20/354 ,  G06Q20/385 ,  G06Q20/4016

    Abstract: Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with a first payment credential associated with a digital wallet has been detected; determine that the digital wallet has at least one additional associated payment credential; and, in response to determining the potential exposure has been detected and determining that the digital wallet has at least one additional associated payment credential, initiate at least one exposure reduction measure intended to reduce potential exposure to the at least one additional associated payment credential.

    Abstract translation: 实施例旨在减少数字钱包曝光。 实施例确定已经检测到与数字钱包相关联的第一支付凭证相关联的潜在曝光; 确定数字钱包至少有一个附加的相关支付凭证; 并且响应于确定已经检测到潜在的暴露并且确定数字钱包具有至少一个附加的相关联的支付凭证，启动旨在减少对至少一个附加的相关支付凭证的潜在风险的至少一个暴露减少措施。

    ATM token cash withdrawal
    10.
    发明授权
    ATM token cash withdrawal 有权

    公开(公告)号：US10762483B2

    公开(公告)日：2020-09-01

    申请号：US15591993

    申请日：2017-05-10

    Applicant: Bank of America Corporation

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

    IPC: G06Q20/10 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/32 ,  G07F19/00 ,  H04L29/06 ,  G06Q20/36

    Abstract: Embodiments of the invention are directed to a system for managing financial tokens associated with a financial account, whereby the system is directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system is configured to generate a server token that is associated with at least one financial account; communicate, to a first mobile device, a server packet comprising at least the server token; receive, from an ATM, a security packet comprising at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM.

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