Behavior based allocation of payment tokens

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12147968
SERIAL NO

14866303

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Abstract

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The disclosure describes a campaign director (CD) system associated with a financial institution and an associated campaign manager (CM) unit executing on a mobile device used to facilitate behavior based allocation of payment tokens and activation of payment transactions based on the tokens. The CM unit of the mobile device may be programmed by the CD system at the financial institution to generate tokens according to a token generation model that is a function of financial behavior history associated with a credit card account. When a credit card is used to initiate a payment transaction with a merchant, the CM unit of the mobile device may generate a token for the payment transaction and send the token to the CD system at the financial institution. The CD system then determines whether to activate the payment transaction based on the token and merchant data associated with the payment transaction.

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Patent Owner(s)

Patent OwnerAddress
WELLS FARGO BANK N A1525 W WT HARRIS BLVD MAC D1109-109 ATTN AGENCY SERVICES CHARLOTTE NC 28262

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hussey, Ben L Des Moines, US 3 5

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 May 19, 2028
7.5 Year Payment $3600.00 $1800.00 $900.00 May 19, 2032
11.5 Year Payment $7400.00 $3700.00 $1850.00 May 19, 2036
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00