公开(公告)号：US11645643B2

公开(公告)日：2023-05-09

申请号：US17037042

申请日：2020-09-29

Applicant: Bank of America Corporation

Inventor： Christopher Hope ,  James McMorrow ,  Sumita Desai ,  Shehreyar Jamshed ,  Ayeesha Sachedina ,  Anna Xu ,  Brandon Castagna ,  Sasikumar Sivaraman ,  Lauren Hewings ,  Alex Wong

IPC: G06Q20/30 ,  G06Q20/32 ,  G16Y20/40 ,  G06Q20/02 ,  G06Q20/40

CPC classification number: G06Q20/3229 ,  G06Q20/027 ,  G06Q20/4012 ,  G16Y20/40

Abstract: A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.

公开(公告)号：US09105018B2

公开(公告)日：2015-08-11

申请号：US13917774

申请日：2013-06-14

Applicant: Bank of America Corporation

Inventor： Anne D. Tatham ,  Milton Santiago, Jr. ,  Christopher Hope ,  Richard M. Brewer

IPC: G06Q20/10

CPC classification number: G06Q20/102

Abstract: Apparatus and methods for bill integration are provided. Checks issued by a bill-pay vendor may be integrated into a daily issue file and be presented to a user for review. The review may include selecting one or more check service to be applied to a check. The presenting may including marking checks and images corresponding to items received from a bill-pay vendor. Credit card transactions initiated via a bill-pay vendor may be integrated into the daily issue file. Checks received from the bill-pay vendor may be numbered into a range that is not a user-generated range. Bill-pay integration may include just-in-time funding of payments initiated through the bill-pay vendor. The daily issue file may be accessed via a mobile device, and may be filtered based on an entitlement associated with the mobile device.

Abstract translation: 提供了用于纸币整合的装置和方法。 票据支付供应商签发的支票可以整合到每日发行文件中，并提交给用户进行审查。 审查可以包括选择要应用于支票的一个或多个检查服务。 呈现可以包括对应于从付款供应商接收的项目的标记检查和图像。 通过票据支付供应商发起的信用卡交易可以集成到每日发行文件中。 从票据支付供应商收到的支票可能会被编号为不是用户生成范围的范围。 账单支付整合可能包括通过票据支付供应商发起的付款的即时资金。 日常问题文件可以通过移动设备访问，并且可以基于与移动设备相关联的授权进行过滤。

公开(公告)号：US20150088748A1

公开(公告)日：2015-03-26

申请号：US14546676

申请日：2014-11-18

Applicant: Bank of America Corporation

Inventor： Milton Santiago ,  Christopher Hope ,  Darin Garitt Mallory ,  Savit Pirl ,  Mary R. Rosendahl ,  Daniel Marsh Whipple

IPC: G06Q20/42 ,  G06Q20/32

CPC classification number: G06Q20/42 ,  G06Q20/322 ,  G06Q20/3223 ,  G06Q20/425

Abstract: In an exemplary embodiment, a method includes identifying a plurality of initiated payments awaiting approval. An initiated payment is associated with a plurality of payment details describing the initiated payment. A queue comprising a plurality of payment action pages is generated. A payment action page comprises the plurality of payment details describing a corresponding initiated payment. The method further includes displaying on a mobile device a first payment action page of the plurality of payment action pages in the queue and displaying on the mobile device a second payment action page of the plurality of payment action pages in the queue in response to receiving a payment action associated with the first payment action page from the user of the mobile device.

Abstract translation: 在示例性实施例中，一种方法包括识别等待批准的多个发起的支付。 发起的付款与描述发起的支付的多个支付细节相关联。 生成包括多个支付动作页面的队列。 支付操作页面包括描述对应的发起的支付的多个支付细节。 该方法还包括在移动设备上显示队列中的多个支付操作页面的第一支付操作页面，并且在移动设备上显示队列中的多个支付操作页面中的响应于接收到的第二支付操作页面 与来自移动设备的用户的第一支付操作页面相关联的支付操作。

公开(公告)号：US20140372295A1

公开(公告)日：2014-12-18

申请号：US13917855

申请日：2013-06-14

Applicant: Bank of America Corporation

Inventor： Anne D. Tatham ,  Milton Santiago, JR. ,  Christopher Hope ,  Richard M. Brewer

IPC: G06Q20/04

CPC classification number: G06Q20/0425

Abstract: Apparatus and methods for bill integration are provided. Checks issued by a bill-pay vendor may be integrated into a daily issue file and be presented to a user for review. The review may include selecting one or more check service to be applied to a check. The presenting may including marking checks and images corresponding to items received from a bill-pay vendor. Credit card transactions initiated via a bill-pay vendor may be integrated into the daily issue file. Checks received from the bill-pay vendor may be numbered into a range that is not a user-generated range. Bill-pay integration may include just-in-time funding of payments initiated through the bill-pay vendor. The daily issue file may be accessed via a mobile device, and may be filtered based on an entitlement associated with the mobile device.

Abstract translation: 提供了用于纸币整合的装置和方法。 票据支付供应商签发的支票可以整合到每日发行文件中，并提交给用户进行审查。 审查可以包括选择要应用于支票的一个或多个检查服务。 呈现可以包括对应于从付款供应商接收的项目的标记检查和图像。 通过票据支付供应商发起的信用卡交易可以集成到每日发行文件中。 从票据支付供应商收到的支票可能会被编号为不是用户生成范围的范围。 账单支付整合可能包括通过票据支付供应商发起的付款的即时资金。 日常问题文件可以通过移动设备访问，并且可以基于与移动设备相关联的授权进行过滤。

公开(公告)号：US20140101030A1

公开(公告)日：2014-04-10

申请号：US13647803

申请日：2012-10-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： Milton Santiago, JR. ,  Christopher Hope ,  Darin Garitt Mallory ,  Savit Pirl ,  Mary R. Rosendahl ,  Daniel Marsh Whipple

IPC: G06Q20/22

CPC classification number: G06Q20/3223 ,  G06Q20/3221

Abstract: In an exemplary embodiment, a method includes displaying a plurality of payment template summaries simultaneously on a mobile device. A selection of two or more of the plurality of payment template summaries is received. A queue comprising a plurality of payment template pages is generated according to the selection. A payment template page comprises a plurality of payment details associated with a payment template that corresponds to a selected payment template summary. A first payment template page of the plurality of payment template pages of the queue is displayed on the mobile device. A monetary amount is received at the first payment template page from a user of the mobile device and an initiated payment for the monetary amount is generated. The initiated payment includes the plurality of payment details of the first payment template page.

Abstract translation: 在示例性实施例中，一种方法包括在移动设备上同时显示多个支付模板摘要。 接收多个支付模板摘要中的两个或多个的选择。 根据选择生成包括多个支付模板页面的队列。 支付模板页面包括与对应于所选支付模板摘要的支付模板相关联的多个支付细节。 在移动设备上显示队列的多个支付模板页面的第一支付模板页面。 在移动设备的用户的第一支付模板页面上接收到金额，并且生成用于货币金额的开始的支付。 发起的付款包括第一支付模板页面的多个付款细节。

公开(公告)号：US09430852B2

公开(公告)日：2016-08-30

申请号：US14576279

申请日：2014-12-19

Applicant: Bank of America Corporation

Inventor： Anne D. Tatham ,  Milton Santiago, Jr. ,  Christopher Hope

IPC: G06Q20/42 ,  G06T11/00 ,  G06Q20/04

CPC classification number: G06T11/001 ,  G06Q20/0425

Abstract: Apparatus and methods are provided for viewing a check image and selecting a check service to be applied to a check. Check services may include a pay/return decision. The check images may be presented in a carousel view without pop-up windows. The user may import pre-selected check services such as stop payments. Check images may be marked with a status indicator. The status indicator may correspond to a check service applied to the check or a reconciliation error associated with the check. A user may receive notifications of pending expiration of an applied check service. The user may select and apply a check service at any time during a clearing process of the check. User may search for checks and check images based on the check service applied to the check. Search results may include check images and may be transmitted to a requested location such as via e-mail.

Abstract translation: 提供了用于查看检查图像并选择要应用于检查的检查服务的装置和方法。 检查服务可能包括付款/退货决定。 检查图像可以在没有弹出窗口的轮播视图中呈现。 用户可以导入预先选定的支票服务，例如停止付款。 检查图像可能会标有状态指示器。 状态指示符可以对应于应用于支票的支票服务或与支票相关联的对帐错误。 用户可以接收所申请的支票服务的未完成到期的通知。 用户可以在支票的清算过程中随时选择并应用支票服务。 用户可以根据应用于支票的支票服务，搜索支票并检查图片。 搜索结果可以包括检查图像，并且可以通过电子邮件传送到所请求的位置。

公开(公告)号：US20140372296A1

公开(公告)日：2014-12-18

申请号：US13917942

申请日：2013-06-14

Applicant: Bank of America Corporation

Inventor： Anne D. Tatham ,  Milton Santiago, JR. ,  Christopher Hope

IPC: G06Q20/04

CPC classification number: G06T11/001 ,  G06Q20/0425

Abstract: Apparatus and methods are provided for viewing a check image and selecting a check service to be applied to a check. Check services may include a pay/return decision. The check images may be presented in a carousel view without pop-up windows. The user may import pre-selected check services such as stop payments. Check images may be marked with a status indicator. The status indicator may correspond to a check service applied to the check or a reconciliation error associated with the check. A user may receive notifications of pending expiration of an applied check service. The user may select and apply a check service at any time during a clearing process of the check. User may search for checks and check images based on the check service applied to the check. Search results may include check images and may be transmitted to a requested location such as via e-mail.

Abstract translation: 提供了用于查看检查图像并选择要应用于检查的检查服务的装置和方法。 检查服务可能包括付款/退货决定。 检查图像可以在没有弹出窗口的轮播视图中呈现。 用户可以导入预先选定的支票服务，例如停止付款。 检查图像可能会标有状态指示器。 状态指示符可以对应于应用于支票的支票服务或与支票相关联的对帐错误。 用户可以接收所申请的支票服务的未完成到期的通知。 用户可以在支票的清算过程中随时选择并应用支票服务。 用户可以根据应用于支票的支票服务，搜索支票并检查图片。 搜索结果可以包括检查图像，并且可以通过电子邮件传送到所请求的位置。

公开(公告)号：US20140164232A1

公开(公告)日：2014-06-12

申请号：US13709325

申请日：2012-12-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Thomas J. Durkin ,  Alex Y. Yang ,  Doug J. Carlson ,  Brian G. Higgins ,  Christopher Hope ,  Savit A. Pirl ,  Milton Santiago

IPC: G06Q20/02

CPC classification number: G06Q20/023 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/385 ,  G06Q20/405

Abstract: Apparatus for coordinating a rule-based relationship between a bank, a vendor and a merchant is provided. The apparatus may include a vendor data platform, a vendor payment platform and a vendor clearing platform. The vendor data platform may receive a vendor name, a vendor identification number and vendor banking information and may this information into a third party database maintained by a third party. The vendor payment platform may receive the vendor identification number and a payment amount electronically associated with the vendor identification number without the banking information and transmit, to the third party, the vendor identification number and the payment amount. The vendor clearing platform may receive, from the third party, the payment amount and the banking information, and may transmit information to a clearing house. The information may initiate a transfer of funds into a vendor bank account.

Abstract translation: 提供了用于协调银行，供应商和商家之间基于规则的关系的装置。 该装置可以包括供应商数据平台，供应商支付平台和供应商清算平台。 供应商数据平台可以接收供应商名称，供应商标识号和供应商银行信息，并且可以将该信息转换成由第三方维护的第三方数据库。 供应商支付平台可以在没有银行信息的情况下接收供应商标识号码和与供应商标识号码电子相关联的支付金额，并向第三方发送供应商标识号和支付金额。 供应商清算平台可以从第三方接收支付金额和银行信息，并且可以将信息传送到结算所。 信息可能会将资金转入供应商银行账户。

公开(公告)号：US20140122333A1

公开(公告)日：2014-05-01

申请号：US13661083

申请日：2012-10-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Daniel M. Whipple ,  Darin G. Mallory ,  Savit A. Pirl ,  Christopher Hope ,  Mary R. Rosendahl ,  Milton Santiago, Jr.

IPC: G06Q20/42

CPC classification number: G06F3/0482 ,  G06F3/0488 ,  G06Q20/102 ,  G06Q20/30 ,  G06Q20/401 ,  G06Q20/42

Abstract: A method and apparatus that improves the display treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments via wire transfers may be sent to a payee. Transactions may be approved or rejected from increasingly detailed descriptions of the transactions. Transactions that have been successfully completed may be confirmed. Incomplete or unsuccessful transactions may be reconciled for further action by a user. Each transaction list by sorted as needed.

Abstract translation: 提供了一种改善现金定位和报告系统的显示资金管理功能的方法和装置。 可以改进支付过程的几个部分。 批准过程可以通过在批准过程的每个阶段提供补充联系信息来简化。 通过电汇确认付款可以发送给收款人。 交易可能会被越来越详细的交易描述批准或拒绝。 已经成功完成的交易可能会被确认。 不完整或不成功的交易可能会被对帐以供用户进一步采取行动。 每个交易列表按需排序。

公开(公告)号：US20180150808A1

公开(公告)日：2018-05-31

申请号：US15362248

申请日：2016-11-28

Applicant: Bank of America Corporation

Inventor： David Anthony Haley ,  Christopher Hope ,  Savit A. Pirl ,  Alex Y. Yang ,  David S. Shores ,  Robert Laurentius Andela ,  Jian Chen ,  Satish Narayan ,  Gurpreet Pahwa ,  Colin S. Kerr

IPC: G06Q20/10 ,  G06F17/30

CPC classification number: G06Q20/10 ,  G06F16/1794 ,  G06Q20/00

Abstract: Method and apparatus for transforming data structures into canonical data structures are provided. The methods may include receiving data structures in specific formats and receiving data structures in exceptional formats. The method may include determining the type of format of each of the received data structures. The method may include creating a map for each of the received data structures. The method may include transforming each of the received data structures into a canonical data structure based on the created map. An exceptional data structure map may include a map used for another specific data structure with an overlay of the information exceptional to the exceptional data structure.