公开(公告)号：US20140143135A1

公开(公告)日：2014-05-22

申请号：US13681293

申请日：2012-11-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew D. Murphy ,  Elbert Lee Whitler

IPC: G06Q20/22

CPC classification number: G06Q20/22 ,  G06Q20/20

Abstract: Apparatus and methods for determining a surcharge yield are provided. A surcharge behavior may be monitored during a time period. A change in a first performance metric may be monitored during the time period. A change in a second performance metric may be monitored during the time period. A relationship between the surcharge behavior, the change in the first performance metric and the change in the second performance metric may be determined. The surcharge yield may be determined based on the relationship. Apparatus and methods for adjusting a transaction cost recovery amount are provided. A rate of change in a transaction volume may be monitored. The transaction volume may be associated with a merchant location. When a threshold rate of change is detected the transaction cost recovery amount may be adjusted.

Abstract translation: 提供了确定附加费收益的装置和方法。 在一段时间内可能会监视附加费行为。 可以在该时间段期间监视第一性能度量的改变。 可以在该时间段期间监视第二性能度量的改变。 可以确定附加行为，第一性能度量的变化和第二性能度量的变化之间的关系。 附加费收益率可以根据关系确定。 提供了用于调整交易成本回收量的装置和方法。 可以监控交易量的变化率。 交易量可以与商家位置相关联。 当检测到阈值变化率时，可以调整交易成本回收量。

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。

公开(公告)号：US09262756B2

公开(公告)日：2016-02-16

申请号：US13732390

申请日：2013-01-01

Applicant: Bank of America Corporation

Inventor： Elbert Lee Whitler

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q30/02 ,  G06Q20/20

CPC classification number: G06Q20/202 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/387 ,  G06Q20/405 ,  G06Q30/0213

Abstract: Apparatus and methods are provided for adjusting a transaction cost and/or a transaction cost recovery amount. The adjusting may be based on a comparison of historical usage of a first payment instrument relative to use of a second payment instrument. Usage of the first or second payment instruments may be correlated to imposition of the transaction cost recovery amount. The adjusting may be based on determining a convenience fee and/or a transaction cost recovery amount for a funds transfer. The adjusting may be based on identifying a purchasing behavior. The purchasing behavior may include terminated or reduced spending, relative to historical spending, at a location that imposes a transaction cost recovery amount. The purchasing behavior may include identifying current payment instrument use at a location that imposes a transaction cost recovery amount.

Abstract translation: 提供了用于调整交易成本和/或交易成本回收量的装置和方法。 调整可以基于第一支付工具相对于使用第二支付工具的历史使用的比较。 可以将第一或第二支付工具的使用与交易成本回收金额的确定相关联。 调整可以基于确定资金转账的便利费和/或交易成本回收金额。 调整可以基于识别购买行为。 采购行为可能包括终止或减少支出，相对于历史支出，在一个施加交易成本回收金额的地点。 购买行为可以包括在施加交易成本回收量的位置识别当前的支付工具使用。

公开(公告)号：US20150149348A1

公开(公告)日：2015-05-28

申请号：US14608440

申请日：2015-01-29

Applicant: Bank of America Corporation

Inventor： Matthew D. Murphy ,  Elbert Lee Whitler

IPC: G06Q30/02 ,  G06Q20/10

CPC classification number: G06Q30/0283 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/22 ,  G06Q20/405

Abstract: Methods and apparatus may include a calculator for use in determination of a cost of acceptance associated with a purchase and/or group of purchases. The calculator may determine one or more surcharge attributes based on input provided by a transaction participant and one or more transaction fee rules. Apparatus and methods may include a device for dynamically adjusting the transaction cost based on a change in a surcharge attribute. Apparatus and methods may include determining a transaction cost by obtaining authorization services from one interchange provider and final settlement with a second interchange provider. Apparatus and methods may implement a secondary market for trading bundled transactions associated with specified surcharge attributes.

Abstract translation: 方法和装置可以包括用于确定与购买和/或购买组相关联的验收成本的计算器。 计算器可以基于由交易参与者提供的输入和一个或多个交易费用规则来确定一个或多个附加费属性。 装置和方法可以包括用于基于附加属性的变化动态地调整交易成本的装置。 装置和方法可以包括通过从一个交换提供商获得授权服务并且与第二交换提供商进行最终结算来确定交易成本。 装置和方法可以实施与指定的附加费属性相关联的捆绑交易的二级市场。

公开(公告)号：US20130218777A1

公开(公告)日：2013-08-22

申请号：US13840586

申请日：2013-03-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tamara S. Kingston ,  Willard Andrew Barr ,  Doris Maria Garrett ,  Mark Allan Nelson ,  Jonathan H. Tucker ,  John Franklin Tuders ,  Elbert Lee Whitler ,  Paul Ronald DeKoster

IPC: G06Q20/40

CPC classification number: G06Q20/405 ,  G06Q20/20 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q30/06 ,  G06Q40/02

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit 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; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.

Abstract translation: 一般来说，本发明的实施例涉及用于使用不可用资金或贷方的帐户的密码为不可用资金或信用提供帐户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）接收与交易相关的交易信息，交易涉及账户; （b）至少部分地基于交易信息确定该交易的结果将超出可用资金或信用额度; （c）接收与帐户无关的资金或信用卡的帐户密码; 以及（d）至少部分地授权交易，即接收不具备资金或信贷的账户密码。

公开(公告)号：US20130214042A1

公开(公告)日：2013-08-22

申请号：US13840631

申请日：2013-03-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tamara S. Kingston ,  Willard Andrew Barr ,  Doris Maria Garrett ,  Mark Allan Nelson ,  Jonathan H. Tucker ,  John Franklin Tuders ,  Elbert Lee Whitler ,  Paul Ronald DeKoster

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q20/023 ,  G06Q20/20 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q30/06

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information.

Abstract translation: 一般来说，本发明的实施例涉及提供超过可用资金或信用服务的帐户的方法和装置，其涉及超过可用资金或信用磁条的账户。 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，其中所述交易涉及交易机器和帐户，并且所述帐户与信用卡/借记卡相关联; （b）至少部分地基于交易信息来确定该账户将由于交易而产生超出可用资金或信用的账户; （c）接收超过可用资金或信用刷卡信息，指示信用卡/借记卡的可用资金或信用磁条的帐户在交易机器上被刷卡; 以及（d）至少部分地授权交易，以接收超出可用资金或信用刷卡信息的账户。

公开(公告)号：US10467612B2

公开(公告)日：2019-11-05

申请号：US13681293

申请日：2012-11-19

Applicant: Bank of America Corporation

Inventor： Matthew D. Murphy ,  Elbert Lee Whitler

IPC: G06Q40/00 ,  G06Q20/22 ,  G06Q20/20

Abstract: Apparatus and methods for determining a surcharge yield are provided. A surcharge behavior may be monitored during a time period. A change in a first performance metric may be monitored during the time period. A change in a second performance metric may be monitored during the time period. A relationship between the surcharge behavior, the change in the first performance metric and the change in the second performance metric may be determined. The surcharge yield may be determined based on the relationship. Apparatus and methods for adjusting a transaction cost recovery amount are provided. A rate of change in a transaction volume may be monitored. The transaction volume may be associated with a merchant location. When a threshold rate of change is detected the transaction cost recovery amount may be adjusted.

公开(公告)号：US09047640B2

公开(公告)日：2015-06-02

申请号：US13840631

申请日：2013-03-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tamara S. Kingston ,  Willard Andrew Barr ,  Doris Maria Garrett ,  Mark Allan Nelson ,  Jonathan H. Tucker ,  John Franklin Tuders ,  Elbert Lee Whitler ,  Paul Ronald DeKoster

IPC: G06Q20/00 ,  G06Q40/02 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q30/06

CPC classification number: G06Q40/02 ,  G06Q20/023 ,  G06Q20/20 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q30/06

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information.

Abstract translation: 一般来说，本发明的实施例涉及提供超过可用资金或信用服务的帐户的方法和装置，其涉及超过可用资金或信用磁条的账户。 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，其中所述交易涉及交易机器和帐户，并且所述帐户与信用卡/借记卡相关联; （b）至少部分地基于交易信息来确定该账户将由于交易而产生超出可用资金或信用的账户; （c）接收超过可用资金或信用刷卡信息，指示信用卡/借记卡的可用资金或信用磁条的帐户在交易机器上被刷卡; 以及（d）至少部分地授权交易，以接收超出可用资金或信用刷卡信息的账户。

公开(公告)号：US20140188705A1

公开(公告)日：2014-07-03

申请号：US13732392

申请日：2013-01-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elbert Lee Whitler ,  William S. Ivey

IPC: G06Q40/00

CPC classification number: G06Q40/00

Abstract: Apparatus and methods are provided for adjusting a transaction cost and/or a transaction cost recovery amount. The adjusting may be based on a comparison of historical usage of a first payment instrument relative to use of a second payment instrument. Usage of the first or second payment instruments may be correlated to imposition of the transaction cost recovery amount. The adjusting may be based on determining a convenience fee and/or a transaction cost recovery amount for a funds transfer. The adjusting may be based on identifying a purchasing behavior. The purchasing behavior may include terminated or reduced spending, relative to historical spending, at a location that imposes a transaction cost recovery amount. The purchasing behavior may include identifying current payment instrument use at a location that imposes a transaction cost recovery amount.

Abstract translation: 提供了用于调整交易成本和/或交易成本回收量的装置和方法。 调整可以基于第一支付工具相对于使用第二支付工具的历史使用的比较。 可以将第一或第二支付工具的使用与交易成本回收金额的确定相关联。 调整可以基于确定资金转账的便利费和/或交易成本回收金额。 调整可以基于识别购买行为。 采购行为可能包括终止或减少支出，相对于历史支出，在一个施加交易成本回收金额的地点。 购买行为可以包括在施加交易成本回收量的位置识别当前的支付工具使用。

公开(公告)号：US20140129443A1

公开(公告)日：2014-05-08

申请号：US13668292

申请日：2012-11-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Elbert Lee Whitler

IPC: G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/38 ,  G06Q20/085 ,  G06Q20/20 ,  G06Q30/0283 ,  G06Q40/02

Abstract: Methods and apparatus may include a calculator for use in determination of a cost of acceptance associated with a purchase and/or group of purchases. The calculator may determine one or more surcharge attributes based on input provided by a transaction participant and one or more transaction fee rules. Apparatus and methods may include a device for dynamically adjusting the transaction cost based on a change in a surcharge attribute. Apparatus and methods may include determining a transaction cost by obtaining authorization services from one interchange provider and final settlement with a second interchange provider. Apparatus and methods may implement a secondary market for trading bundled transactions associated with specified surcharge attributes.

Abstract translation: 方法和装置可以包括用于确定与购买和/或购买组相关联的验收成本的计算器。 计算器可以基于由交易参与者提供的输入和一个或多个交易费用规则来确定一个或多个附加费属性。 装置和方法可以包括用于基于附加属性的变化动态地调整交易成本的装置。 装置和方法可以包括通过从一个交换提供商获得授权服务并且与第二交换提供商进行最终结算来确定交易成本。 装置和方法可以实施与指定的附加费属性相关联的捆绑交易的二级市场。