Dynamic determination of appropriate payment account

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9047636
APP PUB NO 20120221420A1
SERIAL NO

13035807

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Embodiments of the invention are directed to a system, method, or computer program product for dynamically determining an appropriate payment account for a transaction. Embodiments of the invention allow a user to receive a transaction request and subsequently the transaction is applied to the appropriate payment account. Applying the transaction to the appropriate payment account is based on the type of transaction, the payment accounts available to the user, financial institution considerations, financial plans of the user, customer plans of the user, etc. This invention allows a user to make a purchase at a point-of-sale and have confidence that the transaction will be implemented to the payment account that provides the best promotional benefits for the customer based on the customer's individual needs.

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First Claim

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Patent Owner(s)

  • BANK OF AMERICA CORPORATION

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Ross, Erik Stephen Charlotte, US 135 5640

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 2, 2026
Fee Large entity fee small entity fee micro entity fee
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