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:
Jan. 20, 2026
Filed:
Mar. 20, 2024
Bank of America Corporation, Charlotte, NC (US);
John Allen Sellers, Kennett Square, PA (US);
Milton Antonio Jackson, Bethany, CT (US);
Amber J. Grant, Beacon, NY (US);
Kelly Baker, Franklin, MA (US);
Kriscinda M. Hefney, Charlotte, NC (US);
BANK OF AMERICA CORPORATION, Charlotte, NC (US);
Abstract
Systems, computer program products, and methods are described herein for combined processing of disparate resource types. The present disclosure is configured to receive user resource account data for one or more disparate accounts; generate a consolidated resource accrual account for the one or more disparate accounts; calculate a conversion rate of resource denominations for each of the one or more disparate accounts to a common resource point value; generate a total resource point value for the one or more disparate accounts; transmit instructions to user device to display an account landing page including the total resource point value; update the account landing page based on additional user resource account data; organize user resource account data and additional user resource account data based on disparate account source; and display an itemized resource point value breakdown via the account landing page.