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    CUSTOM REWARDS PROTOCOL AND SYSTEM ARCHITECTURE
    4.
    发明申请
    CUSTOM REWARDS PROTOCOL AND SYSTEM ARCHITECTURE 审中-公开

    公开(公告)号：US20190147483A1

    公开(公告)日：2019-05-16

    申请号：US15977233

    申请日：2018-05-11

    申请人： Bank of America Corporation

    发明人： Mark Churchill Monaco ,  Tony England ,  Matthew D. Murphy ,  David C. Tyrie

    IPC分类号： G06Q30/02 ,  G06Q20/20 ,  G06Q20/22

    摘要： Apparatus, methods and architectures for dynamically incentivizing use of payment instrument(s) by customer(s) on purchase(s) from merchant(s) are described. Methods, apparatus and architectures may include/involve providing electronic platform(s) for enabling customer reward option(s). Reward option(s) may include standard reward option(s) associated with interchange fee(s) upon acquirer(s) affiliated with the merchant(s). Reward option(s) may include custom reward option(s) funded by the merchant(s) and associated with discounted interchange fee(s). Discounted interchange fee(s) may incentivize reduced cost(s) of acceptance imposed on merchant(s) by acquirer(s). The reward options may be selected to drive incremental sales to participating merchant(s).

    LINKING AN ADVANTAGE COMMUNICATION SYSTEM TO A PRE-EXISTING PRODUCT
    6.
    发明申请
    LINKING AN ADVANTAGE COMMUNICATION SYSTEM TO A PRE-EXISTING PRODUCT 审中-公开

    公开(公告)号：US20190147475A1

    公开(公告)日：2019-05-16

    申请号：US15977253

    申请日：2018-05-11

    申请人： Bank of America Corporation

    发明人： Mark Churchill Monaco ,  Tony England ,  Matthew D. Murphy ,  David C. Tyrie

    IPC分类号： G06Q30/02 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/02

    摘要： A merchant point-of-sale (“POS”) system architecture is provided. The POS system architecture may include a POS terminal including a POS receiver, a virtual display and a transmitter, and a transaction processing network including a network receiver and processor. The network receiver may be configured to receive a payment authorization request. The virtual display may be configured to display selectable options. The options may be displayed prior to processing the payment authorization request. The selectable options may include a first and second option. The first option may be to apply a merchant-funded rewards program network to the payment authorization request. The second option may be to continue to apply the default issuer funded rewards program network to the payment authorization request. When the first option is selected, a processor may be configured to terminate the issuer funded reward program network and activate the merchant-funded rewards program network.

    Customized Retirement Planning
    8.
    发明申请
    Customized Retirement Planning 审中-公开
    定制退休计划

    公开(公告)号：US20150178844A1

    公开(公告)日：2015-06-25

    申请号：US14135838

    申请日：2013-12-20

    申请人： Bank of America Corporation

    发明人： Colby J. Ross ,  William J. Hunter ,  Jeffrey K. Cimini ,  David C. Tyrie ,  Evelyn Varner

    IPC分类号： G06Q40/06

    CPC分类号： G06Q40/06

    摘要： According to a particular embodiment, a method for customized retirement planning includes displaying a landing page that is a topic dashboard on a mobile device. The topic dashboard depicts a plurality of topic identifiers. Each of the plurality of topic identifiers include an element of a retirement plan. A first user input that identifies a selected topic identifier within the plurality of topic identifiers is received. Topic information pages relating to the selected topic identifier are selected. The topic information pages includes information relating to the element of the retirement plan that corresponds with the selected topic identifier. At least one of the topic information pages is displayed to a user of the mobile device.

    摘要翻译： 根据特定实施例，用于定制退休计划的方法包括在移动设备上显示作为主题仪表板的着陆页。 主题仪表板描绘了多个主题标识符。 多个主题标识符中的每一个包括退休计划的元素。 接收标识多个主题标识符内的所选主题标识符的第一用户输入。 选择与所选主题标识符相关的主题信息页。 主题信息页面包括与所选主题标识符相对应的与退休计划的元素有关的信息。 主题信息页面中的至少一个显示给移动设备的用户。