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公开(公告)号：US10043160B2
公开(公告)日：2018-08-07
申请号：US14598319
申请日：2015-01-16
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy
Abstract: An apparatus for forming an auth-process determination for a point of sale (“POS”)-purchase executed using a balance-verified automated clearing house (“ACH”) identifier is provided. The ACH identifier may include identifier information configured as a pointer to a DDA account. A receiver may be configured to receive the balance-verified ACH identifier information and purchase information. The apparatus may retrieve DDA account information using previously-entered DDA account access information. The apparatus may calculate an auth-process determination based on the DDA account information and the purchase information. The apparatus may store, in real time, an auth-process determination indicator in the memory at the POS. The auth-process determination indicator corresponding to the auth-process determination. The apparatus may also cause to display the auth-process determination indicator on a POS screen. The apparatus may mirror the display of the auth-process determination indicator on a screen associated with the balance-verified ACH identifier.
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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：US20150235208A1
公开(公告)日：2015-08-20
申请号：US14184532
申请日：2014-02-19
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , Jeffrey N. Healy , Steven M. Twombly , Rosemary C. Stack , Mark R. Wilson
CPC classification number: G06Q20/382 , G06Q20/02 , G06Q20/102 , G06Q20/24 , G06Q20/4016 , G06Q20/4037
Abstract: Apparatus and methods for allocating transaction liability are provided. A first transaction participant may be may be immunized from undesirable effects of fraud/chargebacks associated with a transaction if information responsive to a level of verification is submitted directly to a second transaction participant. The transaction may be an on-us transaction or may be associated with any issuer. The second transaction participant may include a payment guarantee provider. The information may be routed to the second transaction participant via a proof-of-verification network. Transactions that are associated with a level of verification may be subject to variable interchange rates. The interchange rates or level of immunization from fraud/chargeback may vary with respect to the level of verification performed by the first transaction participant.
Abstract translation: 提供了分配交易责任的设备和方法。 如果响应于验证级别的信息直接提交给第二交易参与者，则可以将第一交易参与者免于不利于与交易相关联的欺诈/拒付的不良影响。 交易可能是一个在线交易，也可能与任何发行人相关联。 第二交易参与者可以包括支付保证提供者。 信息可以通过验证网络路由到第二交易参与者。 与验证级别相关联的交易可能会受到可变的兑换率的约束。 免疫欺诈/拒付的互换率或级别可能因第一交易参与者的验证级别而异。
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公开(公告)号：US08972293B2
公开(公告)日：2015-03-03
申请号：US13705727
申请日：2012-12-05
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , William S. Ivey
IPC: G06Q40/00
CPC classification number: G06Q40/00 , G06Q20/208 , G06Q20/401 , G06Q20/405 , G06Q40/12
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：US20140372238A1
公开(公告)日：2014-12-18
申请号：US14476958
申请日：2014-09-04
Applicant: Bank of America Corporation
Inventor： Matthew D. Murphy , William S. Ivey
CPC classification number: G06Q40/00 , G06Q20/208 , G06Q20/401 , G06Q20/405 , G06Q40/12
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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Patent Agency Ranking
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
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。
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公开(公告)号：US11004103B2
公开(公告)日：2021-05-11
申请号：US15977233
申请日：2018-05-11
Applicant: Bank of America Corporation
Inventor： Mark Churchill Monaco , Tony England , Matthew D. Murphy , David C. Tyrie
IPC: G06Q30/00 , G06Q30/02 , G06Q20/40 , G06Q20/20 , H04L9/06 , G06Q20/22 , G06Q20/02 , G07G1/00 , G06Q20/06 , G06Q20/10 , G06Q20/38 , G06Q20/24 , H04W4/30 , G06Q50/00
Abstract: Apparatus, methods and architectures for dynamically incentivizing use of payment instrument(s) by customer(s) on purchase(s) from merchant(s) are described. Methods, apparatus and architectures may include/involve providing electronic platform(s) for enabling customer reward option(s). Reward option(s) may include standard reward option(s) associated with interchange fee(s) upon acquirer(s) affiliated with the merchant(s). Reward option(s) may include custom reward option(s) funded by the merchant(s) and associated with discounted interchange fee(s). Discounted interchange fee(s) may incentivize reduced cost(s) of acceptance imposed on merchant(s) by acquirer(s). The reward options may be selected to drive incremental sales to participating merchant(s).
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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
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.
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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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公开(公告)号：US20190147475A1
公开(公告)日：2019-05-16
申请号：US15977253
申请日：2018-05-11
Applicant: Bank of America Corporation
Inventor： Mark Churchill Monaco , Tony England , Matthew D. Murphy , David C. Tyrie
Abstract: A merchant point-of-sale (“POS”) system architecture is provided. The POS system architecture may include a POS terminal including a POS receiver, a virtual display and a transmitter, and a transaction processing network including a network receiver and processor. The network receiver may be configured to receive a payment authorization request. The virtual display may be configured to display selectable options. The options may be displayed prior to processing the payment authorization request. The selectable options may include a first and second option. The first option may be to apply a merchant-funded rewards program network to the payment authorization request. The second option may be to continue to apply the default issuer funded rewards program network to the payment authorization request. When the first option is selected, a processor may be configured to terminate the issuer funded reward program network and activate the merchant-funded rewards program network.
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