The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jan. 07, 2020

Filed:

Oct. 16, 2015
Applicant:

Bank of America Corporation, Charlotte, NC (US);

Inventor:

Zafer Mohamed, Charlotte, NC (US);

Assignee:

Bank of American Corporation, Charlotte, NC (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/325 (2013.01); G06Q 20/20 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/3821 (2013.01);
Abstract

According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user telephone device, a request to complete a transaction using a token associated with the user telephone device. The processor is configured, when executing the instructions, to determine one or more tokens associated with the user telephone device. The interface is further configured to send, to an issuer server, a verification request for the token, and receive, in response to the verification request, translated information associated with the token. The processor is further configured to complete the transaction using the translated information.


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Mohamed, Zafer. (2020). Telephone-based payments using tokens (U.S. Patent No. 10528939). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/10528939

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