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.
Patent No.:
Date of Patent:
Apr. 20, 2021
Filed:
Dec. 23, 2019
Bank of America Corporation, Charlotte, NC (US);
Tracy Beth Greene, Mooresville, NC (US);
Frederika Zipporah Morris Angus, Charlotte, NC (US);
Emily Paige Bosin, Charlotte, NC (US);
Kathleen Miranda Brand, Charlotte, NC (US);
William Bradley Burks, Charlotte, NC (US);
Deepak Joseph, Charlotte, NC (US);
Karla Ramirez, Charlotte, NC (US);
Laura Elizabeth Randall, Davidson, NC (US);
BANK OF AMERICA CORPORATION, Charlotte, NC (US);
Abstract
Embodiments of the present invention provide a system for dynamic utilization of alternative resources based on token association. The system is typically configured for receiving a request from a user to generate a generic token for a digital wallet located on a mobile device of the user, generating the generic token and associating one or more resource credentials of the user with the generic token, transmitting the generic token to the mobile device of the user and storing the generic token in the digital wallet, receiving an interaction request from an authorization network to route an interaction, and routing the interaction to complete the interaction by selecting at least one resource credential from the one or more resource credentials associated with the generic token and transmitting the at least one resource credential to the authorization network.