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91. 发明申请

US20190147479A1 INTEGRATING CUSTOM BENEFITS INTO AN IN-USE COMMUNICATION TRANSMISSION EXCHANGE 审中-公开
公开(公告)号：US20190147479A1
公开(公告)日：2019-05-16
申请号：US15977334
申请日：2018-05-11
申请人： Bank of America Corporation
发明人： Mark Churchill Monaco , Tony England , Matthew D. Murphy , David C. Tyrie
IPC分类号： G06Q30/02
摘要： A system for integrating custom benefits into a communication transmission exchange is provided. The communication transmission exchange may include a plurality of entities. The system may include a receiver configured to receive a custom benefit selection. A second entity may perform the selection. The custom benefit may be associated with a first entity. The selection may trigger termination of any predetermined benefits to be communicated from a fourth entity to the second entity. The predetermined benefits may have been previously associated with a communication associated with the custom benefit. The selection may trigger instantiation of a communication line between the first entity and the second entity. The communication line may be for delivering a custom benefit communication, associated with the custom benefit, from the first entity to the second entity. The selection may also trigger deliverance of the custom benefit communication from the first entity to the second entity.

92. 发明申请

US20180211250A1 SYSTEM FOR TRANSFER OF RESOURCES VIA A SECURE CHANNEL USING AN ALIAS 审中-公开
公开(公告)号：US20180211250A1
公开(公告)日：2018-07-26
申请号：US15415296
申请日：2017-01-25
申请人： BANK OF AMERICA CORPORATION
发明人： Tony England , Michael K. Lee , Andrew DongHo Kim , Craig D. Widmann
IPC分类号： G06Q20/38 , H04L29/08 , H04L29/06 , G06Q20/40
CPC分类号： G06Q20/385 , G06Q20/027 , G06Q20/108 , G06Q20/223 , G06Q20/3223 , G06Q20/388 , H04L63/0407 , H04L63/083 , H04L63/10 , H04L67/02 , H04L67/20
摘要： Systems, computer program products, and methods are described herein for transfer of resources via a secure channel using an alias. The present invention receives a first alias associated with a user; dynamically generates a web portal associated with the entity to enable the user to input an authorization code; electronically receives, via the web portal, the authorization code from the user; determine a first resource event based on at least receiving the first alias and the authorization code; triggers the first resource event based on at least a successful validation of the authorization code; and transfers the resources from the user record associated with the third party to the target record via the secure channel in response to triggering the first resource event.

93. 发明申请

US20170235454A1 INTEGRATED GEOLOCATION RESOURCE TRANSFER PLATFORM 审中-公开
公开(公告)号：US20170235454A1
公开(公告)日：2017-08-17
申请号：US15294088
申请日：2016-10-14
申请人： Bank of America Corporation
发明人： Stephen Philip Selfridge , Tony England , Farhan Ahmed Siddiqi
IPC分类号： G06F3/0484 , H04W4/02 , G06F17/30
CPC分类号： G06F3/0484 , G06F21/31 , H04W4/021
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for providing a centralized, integrated geolocation resource transfer system that is configured to facilitate operative communication between resource entity systems and external devices located within the geographic fence. In this regard, the invention is configured to dynamically identify a plurality of users located within the geographic fence, in real-time. In addition, the invention is configured to facilitate a resource entity system to customize a user interface of a user device based on the user's location. Furthermore, the system is configured to optimize flux parameters and resource distribution in a geographic fence.

94. 发明授权

US09547849B2 Method and apparatus for providing real time mutable credit card information and for providing sleep mode functionality 有权
标题翻译：用于提供实时可变信用卡信息和用于提供睡眠模式功能的方法和装置
公开(公告)号：US09547849B2
公开(公告)日：2017-01-17
申请号：US14973899
申请日：2015-12-18
申请人： Bank of America Corporation
发明人： James G. Ronca , Akshaya Negi , Matthew L. Donlan , Scott L. Harkey , Tony England
IPC分类号： G06K19/06 , G06Q20/10 , G06Q20/34 , G06K19/077 , G06K19/07 , G06Q20/32 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/105 , G06K19/06206 , G06K19/0727 , G06K19/07701 , G06K19/07749 , G06Q20/322 , G06Q20/341 , G06Q20/3415 , G06Q20/3563 , G06Q20/3829 , G06Q20/401
摘要： A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, and a battery. The battery may power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response to the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.
摘要翻译：提供了一种使用智能卡的方法。智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低能量（“BLE”）设备和电池。电池可以为BLE和微处理器芯片供电。智能卡还可能包括内存。内存可以存储动态交易授权号码。智能卡还可以包括动态磁条。动态磁条可以包括动态交易授权号的数字表示。该方法可以包括按压按钮。该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。指令的发送可以响应于按钮的按下。该方法还可以包括从智能电话接收动态交易授权号码。

95. 发明授权

US09390407B2 Method and apparatus for providing real time mutable credit card information and for providing timestamp functionality 有权
标题翻译：提供实时可变信用卡信息和提供时间戳功能的方法和装置
公开(公告)号：US09390407B2
公开(公告)日：2016-07-12
申请号：US14973908
申请日：2015-12-18
申请人： Bank of America Corporation
发明人： James G. Ronca , Akshaya Negi , Matthew L. Donlan , Scott L. Harkey , Tony England
IPC分类号： G06K19/06 , G06Q20/10 , G06Q20/34 , G06K19/077 , G06K19/07 , G06Q20/32 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/105 , G06K19/06206 , G06K19/0727 , G06K19/07701 , G06K19/07749 , G06Q20/322 , G06Q20/341 , G06Q20/3415 , G06Q20/3563 , G06Q20/3829 , G06Q20/401
摘要： A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, and a battery. The battery may power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response to the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.
摘要翻译：提供了一种使用智能卡的方法。智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低能量（“BLE”）设备和电池。电池可以为BLE和微处理器芯片供电。智能卡还可能包括内存。内存可以存储动态交易授权号码。智能卡还可以包括动态磁条。动态磁条可以包括动态交易授权号的数字表示。该方法可以包括按压按钮。该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。指令的发送可以响应于按钮的按下。该方法还可以包括从智能电话接收动态交易授权号码。

96. 发明申请

US20160104136A1 METHOD AND APPARATUS FOR PROVIDING REAL TIME MUTABLE CREDIT CARD INFORMATION AND FOR PROVIDING TIMESTAMP FUNCTIONALITY 有权
标题翻译：提供实时可信信用卡信息和提供TIMESTAMP功能的方法和设备
公开(公告)号：US20160104136A1
公开(公告)日：2016-04-14
申请号：US14973908
申请日：2015-12-18
申请人： Bank of America Corporation
发明人： James G. Ronca , Akshaya Negi , Matthew L. Donlan , Scott L. Harkey , Tony England
IPC分类号： G06Q20/10 , G06Q20/32 , G06K19/07 , G06K19/077 , G06K19/06
CPC分类号： G06Q20/105 , G06K19/06206 , G06K19/0727 , G06K19/07701 , G06K19/07749 , G06Q20/322 , G06Q20/341 , G06Q20/3415 , G06Q20/3563 , G06Q20/3829 , G06Q20/401
摘要： A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.
摘要翻译：提供了一种使用智能卡的方法。智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低功耗（“BLE”）设备。智能卡还可以包括电池。电池可以配置为为BLE和微处理器芯片供电。智能卡还可能包括内存。可以将存储器配置为存储动态交易授权号码。智能卡还可以包括动态磁条。动态磁条可以包括动态交易授权号的数字表示。使用智能卡的方法可以包括按下按钮。该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。指令的发送可以是按下按钮的响应。该方法还可以包括从智能电话接收动态交易授权号码。

97. 发明授权

US09218596B2 Method and apparatus for providing real time mutable credit card information 有权
标题翻译：提供实时可变信用卡信息的方法和装置
公开(公告)号：US09218596B2
公开(公告)日：2015-12-22
申请号：US14263013
申请日：2014-04-28
申请人： Bank of America Corporation
发明人： James G. Ronca , Akshaya Negi , Matthew L. Donlan , Scott L. Harkey , Tony England
IPC分类号： G06Q40/00 , G06Q20/34 , G06K19/06 , G06K19/077
CPC分类号： G06Q20/105 , G06K19/06206 , G06K19/0727 , G06K19/07701 , G06K19/07749 , G06Q20/322 , G06Q20/341 , G06Q20/3415 , G06Q20/3563 , G06Q20/3829 , G06Q20/401
摘要： A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, and a battery. The battery may power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response to the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.
摘要翻译：提供了一种使用智能卡的方法。智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低能量（“BLE”）设备和电池。电池可以为BLE和微处理器芯片供电。智能卡还可能包括内存。内存可以存储动态交易授权号码。智能卡还可以包括动态磁条。动态磁条可以包括动态交易授权号的数字表示。该方法可以包括按压按钮。该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。指令的发送可以响应于按钮的按下。该方法还可以包括从智能电话接收动态交易授权号码。

98. 发明申请

US20140279471A1 SINGLE PAYMENT CARD FOR FLEXIBLE PAYMENT VEHICLE OPTIONS FOR A TRANSACTION 有权
标题翻译：用于交易的灵活付款车辆单项支付卡
公开(公告)号：US20140279471A1
公开(公告)日：2014-09-18
申请号：US13827665
申请日：2013-03-14
申请人： BANK OF AMERICA CORPORATION
发明人： Tony England , Scott Lee Harkey , Matthew A. Calman
IPC分类号： G06Q20/34
CPC分类号： G06Q20/3572 , G06Q20/405
摘要： Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule.
摘要翻译：本发明的实施例涉及一种系统，方法或计算机程序产品，用于向客户提供与客户的可用支付车辆相关联的单个交易卡。因此，单个交易卡可以被客户用来完成与商家的交易。随后，根据客户规则或客户选择，本发明可以将交易引导到所选择的支付车辆。规则包括客户可以输入的任何偏好，允许本发明自动将单个交易卡交易应用于支付车辆。因此，可以针对特定商家触发规则，特定交易金额，特定位置等。如果通过使用单个交易卡进行的交易触发了规则，则触发的交易将被自动应用于与该规则相关的支付工具。

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