Bank of America Corporation

Akshaya Negi

Tony England

Scott Lee Harkey

James Gregory Ronca

Matthew Laine Donlan

Joseph Benjamin Castinado

According to some embodiments, a system comprises one or more processors associated with a financial institution. The financial institution provides a financial account for a user. The system also comprises a dedicated interface between the financial institution and an electronic payment service external to the financial institution. The electronic payment service provides a virtual account for the user. The one or more processors are configured to determine when the user requests a financial transaction to transfer funds from a source to a destination (one of which corresponds to the virtual account), validate the financial transaction based on data received from the electronic payment service over the dedicated interface, and transfer the funds to the destination. The funds are transferred prior to hard-posting such that the funds become available at the destination in real-time while the financial transaction is pending.

Real-time transactions for a virtual account

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.

Method and apparatus for providing real time mutable credit card information and for providing sleep mode functionality

Method and apparatus for providing real time mutable credit card information with future timestamp functionality

Method and apparatus for providing real time mutable credit card information and for providing timestamp functionality

Method and apparatus for providing real time mutable credit card information

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Charlotte, NC, United States of America

Akshaya Negi