Bank of America Corporation

Glenn M Grossman

Matthew Alexander Calman

David M Grigg

Laura Corinne Bondesen

Alicia C Jones

Joseph A Giordano

Peter John Bertanzetti

Elizabeth Votaw

Katherine Dintenfass

Susan Smith Thomas

Kimberly Belle Summerrow

Kevin Perry

Aaron R Leinker

Apparatus and methods for providing electronic coupons are provided. The apparatus and methods include a system that uses a plurality of coupon processors to pull coupon data from an electronic coupon platform upon the expiration of a predetermined time period. The apparatus and methods additionally include a system that uses an electronic coupon platform to pushes data to a plurality of coupon processors upon the expiration of a predetermined time period. The apparatus and methods also include a system that redeems electronic coupons by initiating a deposit of an amount of funds in a customer bank account at predetermined time intervals. The apparatus and methods further include an electronic coupon platform that sends an electronic notification to a plurality of coupon processors upon the receipt of data from a first coupon processor which relates to the receipt of customer payment card and/or loyalty card information.

Coupon deposit account fraud protection system

An apparatus and method of maintaining beneficiary information are disclosed. The apparatus can be configured to perform the method, which may include obtaining information for one or more recipients of one or more conveyances of property, obtaining one or more digital IDs from the one or more recipients, maintaining the one or more digital IDs from the one or more recipients by periodically sending notifications to the one or more recipients, and distributing assets with the one or more digital IDs to the one or more recipients.

Apparatus and method for recipient distribution and tracking

Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: receive pre-configured information associated with an information-providing source associated with at least one of the fuel station or a fuel pump at the fuel station; determine identification information associated with the fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information and the pre-configured information.

Readable indicia for fuel purchase

Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant. Embodiments may receive and store user information in a user file, receive a request from a merchant for some or all of the user information stored in the user file in response to the merchant reading a readable indicia presented by a user using a mobile device; and, in response to the request for some or all the user information, retrieve the requested information and transmit the requested information to the merchant. Embodiments may receive and store a plurality of profiles, where each profile is associated with some or all the user information stored in the user file. Some embodiments may receive user input, through the merchant, selecting one of the profiles; where retrieving the requested information comprises retrieving the user information associated with the selected profile.

Identity protection and distribution system

Embodiments of the invention are directed to systems, methods and computer program products for collecting product information based on a navigation history of the user, the product information being associated with the product; generating a readable indicia based on the collected product information, wherein, in response to selection of the readable indicia, the readable indicia is configured to provide instructions for purchasing the product based on the collected product information; and presenting the readable indicia to the user for saving for subsequent consideration or distributing to one or more other users. In some embodiments, shipping information indicative of the user's desired destination address for the product is collected from user input and discount information is collected based on the navigation history of the user or user input. In such cases, the readable indicia may be generated based on all of the product information, the shipping information and the discount information.

Generating readable indicia customized for product information

Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for medical office payments. As such, a readable indicia may be presented at a point-of-transaction (POT) at a medical treatment providers for a user to select. The system may dynamically present the readable indicia based on the user, the treatments provided, and the user's insurance coverage. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with expedited viewing of itemized treatments, insurance coverage for each treatment, and amount due for each treatment, co-pay amount, an amount to be paid by the insurance company, detectable information, and a total amount the user will owe the medical treatment provider. The system may receive authorization to accept the treatment and apply a payment means to the treatment.

Readable indicia for medical office payment

Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for healthcare codes. As such, a readable indicia may be presented at a point-of-transaction (POT) for a user to select. The system may dynamically present the readable indicia based on the user, the merchant, and the products of the transaction. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with private viewing and selecting of alternative payment methods available to the user for that transaction. Alternative payment methods may include insurance or government programs. The system may receive authorization to apply one of the alternative payment methods to the transaction. As such, the invention provides private, yet expedited transaction capabilities using alternative payment methods at a merchant POT.

Readable indicia for healthcare payment codes

Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: initiate a fuel purchase application; determine identification information associated with a fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information.

Embodiments of the invention are directed to systems, methods and computer program products for providing information from use of readable indicia. Embodiments may include receiving usage information corresponding to a plurality of readable indicia read at one or more points of transaction during one or more transactions; storing some or all the usage information; and providing access to the stored usage information. Embodiments may receive one or more e-receipts from the one or more points of transaction; store the one or more e-receipts in the memory; and associate each e-receipt with usage information corresponding to the same transaction. Some embodiments receive a request from an online banking application or a mobile banking application of a user for usage information; and initiate presentation of some or all the usage information in response to the request.

Providing information from use of readable indicia with mobile device

Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant during a transaction. Embodiments may generate a readable indicia encoding user information and initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine the user information stored in the readable indicia. Some embodiments receive and store the user information in the memory device, and receive user input requesting generation of the readable indicia. Some embodiments receive and store a plurality of profiles, where each profile is associated with some or all the stored user information and receives user input selecting one of the profiles, and receive user input requesting generation of the readable indicia based on the selected profile.

Providing user information by presenting readable indicia with mobile device

Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia.

Pre-set readable indicia for vendor use

Embodiments are directed to processing a pre-set readable indicia associated with a user. Embodiments receive and store one or more pre-set readable indicia including instructions for providing a payment during a transaction; and presents one or more of the pre-set readable indicia to a merchant during a transaction for payment. In some embodiments, the pre-set readable indicia comprises a one-use payment token for payment during a transaction not to exceed a predetermined payment limit, and in some embodiments, the pre-set readable indicia comprises payment account information and the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment account information from the pre-set readable indicia.

Pre-set readable indicia to facilitate payment during a transaction with a merchant when there is limited network connectivity

Event-driven coupon processor alert

Apparatus and methods for providing customer benefit offer program enrollment are provided. A system for enrolling a purchasing instrument in an electronic customer benefit offer program an electromagnetic receiver module. The receiver module may be configured to receive data from the purchasing instrument and receive from a customer a customer selection of a notification channel, the channel to be used for notifying the customer about a customer benefit. The system may also include a processor module configured to associate the purchasing instrument data with an account on an electronic platform so that a customer benefit offer that is stored on the platform may be associated with the purchasing instrument.

Growing community of inventors

Matthews, NC, United States of America

Glenn M Grossman