公开(公告)号：CA2788987A1

公开(公告)日：2011-08-11

申请号：CA2788987

申请日：2011-02-03

Applicant: BANK OF AMERICA

Inventor： ALLEN MORGAN ,  DONLAN MATTHEW LAINE

IPC: G06Q20/00

Abstract: Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller.

公开(公告)号：BRPI1105424A2

公开(公告)日：2013-05-14

申请号：BRPI1105424

申请日：2011-01-31

Applicant: BANK OF AMERICA

Inventor： BLACKURST JASON ,  DONLAN MATTHEW LAINE ,  MILLER ERIC W ,  UPTON MICHAEL W

IPC: G06Q30/06 ,  G06Q20/12

Abstract: Embodiments of the invention provide for methods, apparatuses, and computer program products for providing a financial institution check-out system for processing online transactions using a customer's pre-existing online financial institution profile. A customer desiring to checkout from an online vendor's electronic marketplace is given a choice to checkout using a financial institution's secure checkout widget, which is rendered alongside the customer computer system's web browser application by a financial institution server. The widget authenticates the customer as a financial institution account owner, and the financial institution server displays to the customer his or her available payment accounts and receives customer input regarding the desired payment account. The server runs a payment service engine that controls payment for the transaction, and then the widget communicates proof of successful payment to the vendor server. The vendor server receives payment confirmation from the financial institution server and thereafter communicates successful payment confirmation to the customer via the vendor's checkout interface.

公开(公告)号：SG10201500126WA

公开(公告)日：2015-03-30

申请号：SG10201500126W

申请日：2011-02-03

Applicant: BANK OF AMERICA

Inventor： ALLEN MORGAN ,  DONLAN MATTHEW LAINE

Abstract: Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller.

公开(公告)号：GB2490466A

公开(公告)日：2012-10-31

申请号：GB201215638

申请日：2011-02-03

Applicant: BANK OF AMERICA

Inventor： ALLEN MORGAN ,  DONLAN MATTHEW LAINE

IPC: G06Q20/10 ,  G06Q20/32

Abstract: Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller.

公开(公告)号：GB2477412A

公开(公告)日：2011-08-03

申请号：GB201101373

申请日：2011-01-27

Applicant: BANK OF AMERICA

Inventor： BLACKHURST JASON ,  DONLAN MATTHEW LAINE ,  MILLER ERIC W ,  UPTON MICHAEL W

IPC: G06Q20/00

Abstract: Methods, apparatuses, and computer program products for providing a financial institution checkout system for processing online transactions using a customer's pre-existing online financial institution profile. A customer desiring to checkout from an on line vendor's electronic marketplace is given a choice to checkout using a financial institution's secure checkout widget, which is rendered alongside the customer computer system's web browser application by a financial institution server 115. The widget 160 authenticates the customer as a financial institution account owner, and the financial institution server displays to the customer his or her available payment accounts and receives customer input regarding the desired payment account. The server runs a payment service engine 170 that controls payment for the transaction, and then the widget communicates proof of successful payment to the vendor server 105. The vendor server receives payment confirmation from the financial institution server and thereafter communicates successful payment confirmation to the eustorer via the vendor's checkout interface.

公开(公告)号：SG183172A1

公开(公告)日：2012-09-27

申请号：SG2012057790

申请日：2011-02-03

Applicant: BANK OF AMERICA

Inventor： ALLEN MORGAN ,  DONLAN MATTHEW LAINE

Abstract: Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller.

公开(公告)号：MX2011001171A

公开(公告)日：2011-07-28

申请号：MX2011001171

申请日：2011-01-28

Applicant: BANK OF AMERICA

Inventor： BLACKHURST JASON ,  DONLAN MATTHEW LAINE ,  MILLER ERIC W ,  UPTON MICHAEL W

IPC: G06F9/06 ,  G06Q20/00 ,  G06Q30/00 ,  G07F7/02 ,  G07F7/08

Abstract: Modalidades de la invención proporcionan métodos, aparatos y productos de programa de computadora para proporcionar un sistema de comprobación de la institución financiera para el procesamiento de transacciones en línea utilizando un perfil de la institución financiera en línea preexistente del cliente; un cliente que desea realizar una comprobación desde un mercado electrónico del vendedor en línea recibe la opción de realizar la comprobación utilizando un artilugio de comprobación segura de la institución financiera, el cual es entregado junto con la aplicación de navegador Web del sistema de computación del cliente por parte de un servidor de la institución financiera; el artilugio autentica al cliente como un propietario de cuenta de la institución financiera, y el servidor de la institución financiera despliega al cliente sus cuentas de pago disponibles y recibe la entrada del cliente referente a la cuenta de pago deseada; el servidor corre un motor de servicio de pago que controla el pago para la transacción, y después el artilugio comunica la prueba del pago exitoso al servidor del vendedor; el servidor del vendedor recibe la confirmación de pago desde el servidor de la institución financiera y, posteriormente, comunica la confirmación de pago exitoso al cliente a través de la interfaz de comprobación del vendedor.