公开(公告)号：CA2702432A1

公开(公告)日：2009-05-07

申请号：CA2702432

申请日：2008-10-31

Applicant: BANK OF AMERICA

Inventor： JOHNSON SHANE ANTHONY ,  WALBERT JOHN SCOTT ,  SANDERS WILLIAM THOMAS ,  DRAVNEEK VICTORIA LYNN ,  SHAVER JOHN DANIEL ,  WEICHERT MARGARET MORGAN ,  JOHNSTON BETHANN ,  GRANT KARREN D ,  BOHEN DANIEL CHRISTOPHER

IPC: G06Q20/00

Abstract: Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance.

公开(公告)号：AU2008318451B2

公开(公告)日：2013-09-05

申请号：AU2008318451

申请日：2008-10-31

Applicant: BANK OF AMERICA

Inventor： BOHEN DANIEL CHRISTOPHER ,  JOHNSTON BETHANN ,  SHAVER JOHN DANIEL ,  JOHNSON SHANE ANTHONY ,  SANDERS WILLIAM THOMAS ,  GRANT KARREN D ,  DRAVNEEK VICTORIA LYNN ,  WALBERT JOHN SCOTT ,  WEICHERT MARGARET MORGAN

IPC: G06Q20/00

Abstract: Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance.

公开(公告)号：MX2010004745A

公开(公告)日：2010-08-02

申请号：MX2010004745

申请日：2008-10-31

Applicant: BANK OF AMERICA

Inventor： JOHNSON SHANE ANTHONY ,  JOHNSTON BETHANN ,  SHAVER JOHN DANIEL ,  WALBERT JOHN SCOTT ,  WEICHERT MARGARET MORGAN ,  SANDERS WILLIAM THOMAS ,  DRAVNEEK VICTORIA LYNN ,  GRANT KARREN D ,  BOHEN DANIEL CHRISTOPHER

IPC: G06Q20/00

Abstract: Se describen sistemas y métodos para la tramitación de un pago en un punto de venta o la aceptación de pago a distancia y locación de procesamiento para una cuenta del cliente. Los sistemas y los métodos pueden incluir la recepción de un pago en un punto de venta o la aceptación de pago a distancia y procesamiento de la ubicación e identificar datos que incluyen al menos una cantidad del pago asociado con el pago. Los datos pueden transmitirse a través de una red de computadora y almacenarse en un depósito de datos asociado con una cuenta del cliente. Un balance de la cuenta del cliente puede actualizarse rápidamente basado en los datos asociados con el pago. Los datos pueden transmitirse a través de una red de computadora y pueden utilizarse en una aplicación de software para proveerle a una cuenta del cliente, un reconocimiento rápido sobre un pago y un saldo total.

公开(公告)号：AU2008318451A1

公开(公告)日：2009-05-07

申请号：AU2008318451

申请日：2008-10-31

Applicant: BANK OF AMERICA

Inventor： JOHNSON SHANE ANTHONY ,  JOHNSTON BETHANN ,  WALBERT JOHN SCOTT ,  GRANT KARREN D ,  SHAVER JOHN DANIEL ,  BOHEN DANIEL CHRISTOPHER ,  SANDERS WILLIAM THOMAS ,  WEICHERT MARGARET MORGAN ,  DRAVNEEK VICTORIA LYNN

IPC: G06Q20/00

公开(公告)号：WO2013010115A9

公开(公告)日：2013-02-28

申请号：PCT/US2012046751

申请日：2012-07-13

Applicant: BANK OF AMERICA ,  MENDICINO FRANK J ,  DRAVNEEK VICTORIA LYNN

Inventor： MENDICINO FRANK J ,  DRAVNEEK VICTORIA LYNN

IPC: G06Q20/00

CPC classification number: G06Q20/10 ,  G06Q20/4016

Abstract: A method for processing a transfer request using shared misused data including receiving a transfer request comprising information corresponding to an account to be debited and information corresponding to an account to be credited, approving the information corresponding to the account to be debited, and accessing a database to retrieve misused data. The database includes misused data shared among two or more financial institutions, and the misused data includes a plurality of entries, each entry corresponding to one or more accounts and comprising one or more data fields. Each data field corresponds to a characteristic of the one or more accounts and tends to indicate whether the transfer request is a misappropriation of identity. The method includes determining a likelihood of misappropriation of identity activity and whether to complete the transfer.

Abstract translation: 一种用于使用共享的误用数据来处理转移请求的方法，包括接收包括与要借记的账户对应的信息的转移请求以及与要被借记的账户相对应的信息，批准与要借记的账户对应的信息，以及访问数据库 检索滥用的数据。 该数据库包括在两个或多个金融机构之间共享的误用数据，并且误用数据包括多个条目，每个条目对应于一个或多个帐户，并且包括一个或多个数据字段。 每个数据字段对应于一个或多个帐户的特征，并且倾向于指示转移请求是否是盗用身份。 该方法包括确定盗用身份活动的可能性以及是否完成转移。