Patent Grant
10986541
The present invention relates to associating a token with alternative resources of a user and completing interactions by dynamically utilizing the alternative resources based on token association.
Sending notifications to users requires large quantities of data storage and large amounts of processing capacity. When an entity sends targeted notifications to users, there is a greater likelihood that the users actually take an action associated with the notification, and it reduces the amount of data storage and processing capacity required when compared to non-targeted notification. By sending notifications to a subset of users from a plurality of users (excluding other users), an entity reduce the data and storage and processing capacity without affecting the actions taken on such notifications. Therefore, there is a need for a system to more accurately and efficiently provide notifications.
The following presents a simplified summary of one or more embodiments of the present invention, in order to provide a basic understanding of such embodiments. This summary is not an extensive overview of all contemplated embodiments, and is intended to neither identify key or critical elements of all embodiments nor delineate the scope of any or all embodiments. Its sole purpose is to present some concepts of one or more embodiments of the present invention in a simplified form as a prelude to the more detailed description that is presented later.
Embodiments of the present invention address the above needs and/or achieve other advantages by providing apparatuses (e.g., a system, computer program product and/or other devices) and methods for dynamic utilization of alternative resources. The system embodiments may comprise one or more memory devices having computer readable program code stored thereon, a communication device, and one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to receiving a request from a user via a user application to generate a generic token for a digital wallet, wherein the user application and the digital wallet are located on a mobile device of the user. Upon receiving the request the one or more processing devices generate the generic token in response to receiving the request from the user and retrieve information associated with the mobile device of the user, wherein the information comprises at least identification code of the digital wallet located on the mobile device of the user. The one or more processing devices are further configured to transmit control signals to cause the mobile device to display a user interface for prompting the user to select one or more resource credentials to associate with the generic token and receive selection of the one or more resource credentials from the mobile device of the user. The retrieved identification code and the one or more resource credentials of the user are associated with the generic token and the generic token is transmitted to the mobile device of the user and stored the generic token in the digital wallet. Additionally, the generic token is transmitted to one or more authorization networks.
In some embodiments, the system receives an interaction request comprising the generic token from the one or more authorization networks to route an interaction, wherein the interaction request is associated with the interaction initiated by the user via the digital wallet. The system upon receiving the interaction request routes the interaction for completing the interaction by determining the one or more resource credentials associated with the generic token, selecting at least one resource credential from the one or more resource credentials associated with the generic token, and transmitting the at least one resource credential to the one or more authorization networks.
In some embodiments, selecting the at least one resource credential from the one or more resource credentials for routing the interaction is based on type of the interaction and the type of the interaction is determined based on the merchant associated with the interaction.
In some embodiments, selecting the at least one resource credential from the one or more resource credentials for routing the interaction is based on location of the interaction.
In some embodiments, selecting the at least one resource credential from the one or more resource credentials for routing the interaction is based on supplemental resources associated with the one or more resource credentials.
In some embodiments, the system prompts the user on the mobile device, via the user interface, to customize usage of the one or more resource credentials, receives user preferences from the mobile device of the user associated with the usage of the one or more resource credentials, and associates the user preferences with the generic token and store the user preferences in a data store.
In some embodiments, selecting the at least one resource credential from the one or more resource credentials for routing the interaction is based on the user preferences stored in the data store.
The features, functions, and advantages that have been discussed may be achieved independently in various embodiments of the present invention or may be combined with yet other embodiments, further details of which can be seen with reference to the following description and drawings.
Having thus described embodiments of the invention in general terms, reference will now be made to the accompanying drawings, where:
Embodiments of the invention will now be described more fully hereinafter with reference to the accompanying drawings, in which some, but not all, embodiments of the invention are shown. Indeed, the invention may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will satisfy applicable legal requirements. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more embodiments. It may be evident; however, that such embodiment(s) may be practiced without these specific details. Like numbers refer to like elements throughout.
In accordance with embodiments of the invention, the terms “resource entity system” and “authentication networks” may include any organization that processes financial transactions including, but not limited to, banks, credit unions, savings and loan associations, card associations, settlement associations, investment companies, stock brokerages, resource management firms, insurance companies and the like. Furthermore, embodiments of the present invention use the term “user” or “customer.” It will be appreciated by someone with ordinary skill in the art that the user or customer may be a customer of the financial institution or a potential customer of the financial institution or an employee of the financial institution.
In accordance with embodiments of the invention, an “account” or “resource credential” is the relationship that a customer has with an entity, such as a financial institution. Examples of accounts include a deposit account, such as a transactional account (e.g., a banking account), a savings account, an investment account, a money market account, a time deposit, a demand deposit, a pre-paid account, a credit account, a debit/deposit account, a non-monetary user datafile that includes information associated with the user, or the like. The account is associated with and/or maintained by the entity.
In accordance with embodiments of the invention, an “interaction” may be a transaction, transfer of funds, transfer of resources, and may refer to any activities or communication between a user and an entity, between an entity and a third party system, activities or communication between multiple entities, communication between technology application and the like. Transfer of resources may refer to a payment, processing of funds, international transfer of funds, purchase of goods or services, a return of goods or services, a payment transaction, a credit transaction, or other interactions involving user's resource or account. Unless specifically limited by the context, a “transaction”, a “transfer of funds”, a “record” may refer to any activity initiated between a user and a resource entity or a third party system, or any combination thereof. Typical financial transactions include point of sale (POS) transactions, automated teller machine (ATM) transactions, person to person (p2p) transfers, internet transactions, online shopping, electronic funds transfers between accounts, transactions with a financial institution teller, personal electronic checks, conducting purchases using loyalty/reward points etc. When discussing the resource transfers or transactions are evaluated it could mean that the transactions has already occurred, is in the process of occurring or being processed, or it has yet to be processed/posted by one or more financial institutions. In accordance with embodiments of the invention, a “generic token” may be a unique identifier generated by the entity system to represent one or more resource credentials of the user in a digital wallet.
Many of the example embodiments and implementations described herein contemplate interactions engaged in by a user with a computing device and/or one or more communication devices and/or secondary communication devices. A “user”, as referenced herein, may refer to an entity or individual that has the ability and/or authorization to access and use one or more resources or portions of a resource. Furthermore, as used herein, the term “user computing device” or “mobile device” may refer to mobile phones, personal computing devices, tablet computers, wearable devices, smart devices and/or any portable electronic device capable of receiving and/or storing data therein.
A “user interface” is any device or software that allows a user to input information, such as commands or data, into a device, or that allows the device to output information to the user. For example, the user interface include a graphical user interface (GUI) or an interface to input computer-executable instructions that direct a processing device to carry out specific functions. The user interface typically employs certain input and output devices to input data received from a user second user or output data to a user. These input and output devices may include a display, mouse, keyboard, button, touchpad, touch screen, microphone, speaker, LED, light, joystick, switch, buzzer, bell, and/or other user input/output device for communicating with one or more users.
A “system environment”, as used herein, may refer to any information technology platform of an enterprise (e.g., a national or multi-national corporation) and may include a multitude of servers, machines, mainframes, personal computers, network devices, front and back end systems, database system and/or the like.
Systems, methods, and computer program products are herein disclosed that provide for dynamic utilization of alternative resources based on token association. The present systems do not have the capability of allowing the user to evaluate what interactions are associated with which digital wallets. A user may have multiple digital wallets and multiple resource credentials in each of the digital wallets. With increase in the use of digital wallets, it may be very difficult to track interactions performed via the digital wallets or control the use of resource credentials in digital wallets. The present invention solves the technical problem by providing a system which generates a generic token for a digital wallet and associates digital wallet identification code and one or more resource credentials of the user with the generic token, thereby allowing the user to track interactions and dynamically control the usage of resource credentials associated with the generic token. The system interacts with multiple systems such as mobile device of the user, merchant acquiring network, authorization systems, and/or the like to enable the feature of tracking interactions and dynamically controlling the usage of one or more resource credentials. Additionally, performing interactions via the generic token provide an additional layer of security by preventing misappropriation of resource credentials.
The network 2 may be a global area network (GAN), such as the Internet, a wide area network (WAN), a local area network (LAN), or any other type of network or combination of networks. The network 2 may provide for wireline, wireless, or a combination of wireline and wireless communication between systems, services, components, and/or devices on the network 2.
As illustrated in
The one or more processing components 14 use the one or more communication components 12 to communicate with the network 2 and other components on the network 2, such as, but not limited to, the components of the user computer systems 20, the interaction entity systems 30, authorization network systems 40, or other systems. As such, the one or more communication components 12 generally comprise a wireless transceiver, modem, server, electrical connection, electrical circuit, or other component for communicating with other components on the network 2. The one or more communication components 12 may further include an interface that accepts one or more network interface cards, ports for connection of network components, Universal Serial Bus (USB) connectors and the like.
As further illustrated in
As illustrated in
The one or more processing components 24 are operatively coupled to the one or more communication components 22, the one or more image capture components 25, and the one or more memory components 26. The one or more processing components 24 use the one or more communication components 22 to communicate with the network 2 and other components on the network 2, such as, but not limited to, the resource entity systems 10, the interaction entity systems 30, authorization network systems 40, and/or other systems. As such, the one or more communication components 22 generally comprise a wireless transceiver, modem, server, electrical connection, or other component for communicating with other components on the network 2. The one or more communication components 22 may further include an interface that accepts one or more network interface cards, ports for connection of network components, Universal Serial Bus (USB) connectors and the like. Moreover, the one or more communication components 22 may include a keypad, keyboard, touch-screen, touchpad, microphone, mouse, joystick, other pointer component, button, soft key, and/or other input/output component(s) for communicating with the users 4.
As illustrated in
As illustrated in
The one or more processing components 34 are operatively coupled to the one or more communication components 32, and the one or more memory components 36. The one or more processing components 34 use the one or more communication components 32 to communicate with the network 2 and other components on the network 2, such as, but not limited to, the components of the resource entity systems 10, the user computer systems 20, the authorization network systems 40, and/or other systems. As such, the one or more communication components 32 generally comprise a wireless transceiver, modem, server, electrical connection, or other component for communicating with other components on the network 2. The one or more communication components 32 may further include an interface that accepts one or more network interface cards, ports for connection of network components, Universal Serial Bus (USB) connectors and the like.
As illustrated in
Moreover, as illustrated in
An embodiment of the present invention relates generally to a resource entity providing a notification to a user that results in the user being able to take an action, such that a user may enter into a future interaction using user's resources from a resource pool and supplemental resources related to the notification and/or action. In some embodiments, the resource entity may be a financial institution and the interaction entity may be a merchant, but it should be understood that the entities may be another third party entity acting on its own or as a third-party for the resource entity or interaction entity. In some embodiments, the resource entity or the interaction entity may be acting on behalf of one another. The notification may relate to supplemental resources (e.g., and offer, discount, rebate, or the like) that the user may utilize for a product (e.g., good or service) during an interaction (e.g., transaction, or the like) with an interaction entity. The notification may be presented to the user via various channels, such as through the user's online resource pool (e.g., online banking account, or the like), social network account, email, text message, or other like channel. In some embodiments, the user action may be the acceptance of the notification (e.g., acceptance of the supplemental resources). When the user accepts the supplemental resources, the supplemental resources are activated so that if the user uses eligible resources from an eligible resource pool (e.g., as determined by the resource entity, the interaction entity, third party entity, or the like) to enter into the interaction, the user receives the benefit associated with the supplemental resources. In other embodiments, the supplemental resources may be automatically activated if the user has previously chosen to automatically activate supplemental resources associated with particular interactions (e.g., associated with particular interaction entities or products). In some embodiments, the resource entity may determine that a user may choose among multiple eligible resources pools in order to enter into an interaction associated with the supplemental resources.
As will be described herein in further detail later, in some embodiments the present invention provides a targeted integrated interface that integrates information related to interactions that the user 4 has with interaction entities with resources used from the resource entities, and provides targeted supplemental resources to the user 4 through the targeted integrated interface. The present invention provides at least two different improvements to the technological environment of interactions that occurs over a network 2, such as the Internet. First, the present invention presents a targeted integrated interface that presents targeted supplemental resources to the user 4 in order to keep the user 4 within the resource entity systems 10 and to make the user 4 more likely to use the resources of the resource entity by providing supplemental resources to the user 4 for future interactions with various interaction entity systems 30. Secondly, the present invention reduces the storage and processing capacity required by the resource entity systems 10 to present the targeted supplemental resources to the users 4. Because the targeted integrated interface is utilized to present the targeted supplemental resources to the user 4, the number of notifications presented to the user 4 is greatly reduced because the notifications are specified to the user 4 and the user 4 can select the targeted supplemented resources that the user 4 wants to use.
Referring now to
In some embodiments, an entity rule is a rule that allows or excludes some interaction entities from providing supplemental resources to users 4 associated with an interaction entity. In some embodiment, the at least one entity rule comprises a category code rule. Therefore, an interaction entity associated with a predetermined category code is allowed to or excluded from providing supplemental resources. However, the resource entity managing the resource pool of the user 4 may set up a list of interaction entities that trigger exceptions. Interaction entities that trigger exceptions can provide supplemental resources even if these entities are associated with the excluded category codes.
It should be understood that specific user rules and/or entity rules have been described herein; however, any user rules or entity rules may be utilized to determine what users 4 have access to supplemental resources.
At block 220, the method comprises receiving user information associated with a user 4, the user information may comprise resource pool information associated with the user's resource pool. In some embodiments, resource pool information, as used herein, refers to information associated with the user's resource pool managed by one or more resource entities. In some embodiments, the resource pool information comprises an interaction history (e.g., a transaction history, or the like) associated with the user's resource pool. The interaction history includes the types of interactions, frequency of interactions, resources used for the interactions, entities involved in the interactions, resource balance history, or the like. As used herein, an interaction, may be a transaction such as a purchase, a deposit, a withdrawal, a credit, a debit, or the like associated with a resource pool.
In some embodiments, the user information comprises other information as well. For example, in some embodiments, the user information comprises personal information (e.g., salary information, contact information (mailing address, email address, phone number, or the like), residence address history, education information, job information, or the like) associated with the user. In some embodiments, the personal information further comprises social network information associated with the user's social network account or other non-account related information associated with the user. In some embodiments, the user information further comprises user information (e.g., personal information, account information, or the like) associated with the user's immediate or extended family members or contacts (e.g., as determined from social network information).
At block 230, the method comprises determining whether to allow a user access to supplemental resources based on the at least one rule and/or based on the received user information. It should be understood that the resource entity may have agreements with interaction entities to for providing supplemental resources to the user 4 if the user 4 enters into interactions with the interaction entities. The supplemental resources enable the user 4 to apply the supplemental resources to an interaction with an interaction entity in order to reduce the resources the user 4 uses from the user's resource pool to complete the interaction. As such, using the at least one rule and the received user information, the resource entity determines the targeted supplemental resources to present to the user 4. By using targeted supplemental resources, the resource entity can identify the users 4 most likely to use the supplemental resources in order to keep the users from leaving the resource entity applications 17 and keep the user's using the resources of the resource entity for the interactions with the interaction entities, and also reduces the storage capacity and processing capacity required to present the supplemental resources to the users 4 (e.g., because the supplemental resources are targeted to specific users 4).
At block 240 in
As illustrated by block 250, regardless of how the supplemental resources are presented, an indication of an action is received regarding the one or more supplement resources accepted by or for the user 4. The user 4 may take an action by accepting one or more of the supplemental resources presented to the user 4. In other embodiments of the invention, one or more of the plurality of supplemental resources may be added automatically based on the one or more supplemental resources determined for the use as previously discussed with respect to block 230 (e.g., all of the supplemental resources for the user 4 are automatically added, or the like).
At block 240 an indication is received that a user 4 has entered into an interaction with an interaction entity using the user's resources from the resource pool of the user 4 at the resource entity. The indication may include the product associated with the interaction, the amount of the interaction, and/or the resource pool used by the user 4 to enter into the interaction. Should the interaction be allowed (e.g., there are no interaction limits on the user preventing the interaction, the interaction entity is allowed, the user's resource pool can cover the balance, or the like) resources from the user's resource pool are allocated for the interaction.
At block 250 as will be described, in some embodiments, the supplemental resources may be applied at a point of time in the future when the interaction that qualifies for the supplemental resources is processed.
In some embodiments, when an interaction is processed by the resource entity at a time in the future (e.g., at settlement time or processing time after the interaction is entered), the system determines whether the supplemental resources are still active and whether the supplemental resources are still valid with respect to both the user 4 and the interaction entity interacting with the user 4. This post-transaction process may be referred to as a supplemental resource reconciliation process. The supplemental resources are still active if the supplemental resources have not been revoked by at least one of the resource entity or the interaction entity, and/or if the supplemental resources have not expired.
The supplemental resources are valid with respect to the interaction entity if the interaction entity is not excluded under any entity rules. In some embodiments, in order for the supplemental resources to be valid, the interaction entity cannot be excluded under any entity rules that were in force at the time of the interaction. Additionally or alternatively, in some embodiments, in order for the supplemental resources to remain valid, the interaction entity cannot be excluded under any entity rules that are in force at the time of settlement of the interaction. Therefore, in some embodiments, the interaction entity cannot be excluded under any new entity rules that have been introduced since the interaction.
The supplemental interactions are valid for the user 4 if the user 4 is not excluded under any user rules. In some embodiments, in order for the supplemental resources to be valid, the user 4 cannot be excluded under any user rules that were in force at the time of the interaction. Additionally or alternatively, in some embodiments, in order for the supplemental resources to remain valid, the user cannot be excluded under any user rules that are in force at the time of settlement of the interaction. Therefore, in some embodiments, the user cannot be excluded under any new user rules that have been introduced since the purchase transaction.
In still other embodiments of the invention, the supplemental resources may also meet specific interaction rules regarding the interaction of the user with the interaction entity. The interaction rules may be set by the interaction entity and/or the resource entity. For example, the interaction rules may require the user 4 to enter the interaction at a specific date, time of day, location, interaction channel (e.g., in person, over the Internet, over a telephone, or the like), for a specific amount of resources, or the like. Moreover, the interaction rules may require the user 4 to use resources from specific resource pools.
If the user rules, interaction entity rules, and/or the interaction rules are met at the time of the interaction and/or time of settlement, the supplemental resources are still valid and the resource entity applies the amount of supplemental resources to the user's resource pool and/or reduces the resources provided to the interaction entity by the amount of the supplemental resources. In some embodiments, if at least one of the user rules, interaction entity rules, and/or the interaction rules are not met at the time of the interaction and/or settlement, the supplemental resources are invalid and the resource entity does not apply the amount of supplemental resources to the user's resource pool and/or applies the full amount of resources to the interaction entity. In alternate embodiments, even if at least one of the user rules, interaction entity rules, and/or interaction rules are not met at the time of settlement, the supplemental resources remain valid as long as the all of the rules were met at the time of the interaction, and consequently the resource entity applies the supplemental resources to the user's resource pool and reduces the resources provided to the interaction entity by the amount of the supplemental resources.
In some embodiments, the supplemental resources (e.g., a notification of the access to the supplemental resources) are presented via at least one of a targeted integrated interface associated with the user's resource pool (e.g., online banking account, mobile banking account on a portable mobile communication device, or the like), via a targeted integrated interface associated with the user's social network account, or the like. In some embodiments, a notification of the supplemental resources are inserted into or presented alongside (e.g., on the right, left, top, bottom side of an electronic interfaces related to an interaction with an interaction entity) the interaction history that is presented on the user's online resource pool interactions (e.g., online interaction account. Therefore, for example, if ten interactions are listed in the interaction history list, the notification of the supplemental resources may be presented between the fourth and fifth interactions on the list. In some embodiments, the notification of the supplemental resources may be related to the transaction which the offer is presented alongside (e.g., the fourth and/or fifth transaction in the above example). For example, if the fourth interaction is a transaction for product ‘A’ from interaction entity ‘A,’ the supplemental resources are for a transaction for product ‘A’ (e.g., from any interaction entity) or for a transaction from interaction entity ‘A’ (e.g., for any product) or for a transaction of product ‘A’ from interaction entity ‘A.’ Alternatively, the supplemental resources may be for a transaction of a substitute product ‘A’ (e.g., from interaction entity ‘A’ or from any other interaction entity).
In other embodiments of the invention, the supplemental resources may be provided as an alert within the resource entity application 17 (e.g., online interaction account), which when selected may provide a targeted integrated interface with a plurality of supplemental resources for which the user 4 qualifies. In some embodiments, the notification for the supplemental resources is transmitted to the user's email account. In other embodiments, the notification for the supplemental resources is transmitted, via text message or the like, to the user's mobile device.
In some embodiments, the presented supplemental resources are related to at least one of an interaction previously entered by the user (e.g., a previous transaction associated with the user's financial institution account), an interaction from an interaction entity from which the user previously entered into an interaction, an alternative to the interaction previously entered into by the user, or an alternative to the interaction from the interaction entity from which the user previously entered into an interaction. The alternative to the interaction may be determined based on interaction histories associated with a plurality of resource pools associated with multiple users.
In some embodiments, the presented notification for the supplemental resources relates to a new product related to a previous product interaction made by the user. For example, if the user previously bought a stove, the supplemental resources may be related to a dishwasher or a stove maintenance service.
In some embodiments, a notification of supplemental resources sent to or presented on a resource pool associated with a first member of a family may be used by a second member of the family. In some embodiments, the second member of the family may use the supplemental resources even if the second member is not associated with the resource pool associated with the first member. For example, the supplemental resources associated with a particular interaction entity may be transmitted to (or linked to) a resource pool associated with a first family member. When the second member of the family enters an interaction that qualifies for the supplemental resources using the second member's resource pool (e.g., any qualifying payment method), the second member receives the allocation of the supplemental resources after entering into the interaction. The resource entity may have access to information that indicates that the second member is a family member of the first member even if the second member is not listed as being associated with the resource pool associated with the first member.
Additionally, in some embodiments, as part of the previously described supplemental resources reconciliation process at the time of settlement of the supplemental resources, the system determines whether the resource pool information substantially matches the supplemental resources information. If the resource pool information has changed since the interaction such that the resource pool information no longer substantially matches the supplemental resources information, the supplemental resources may be deemed to be invalid and the resource entity does not provide allocation of the supplemental resources to the user's resource pool. However, in other embodiments, even if the resource pool information has changed since the interaction, the offer remains valid and the financial institution provides a rebate to the user's financial institution account.
Referring now to
As shown in block 310, the system generates the generic token in response to receiving the request from the user. The generic token may be any digit unique identifier specific to the user or a digital wallet of the user. In some embodiments, the system may use a random generator algorithm to generate a unique number and may combine it with any information from the user datafile to generate the generic token. For example, the system may generate a unique ten digit number and may combine it with first name, initials of the user, date of birth of birth of the user. In some embodiments, the system may choose the generic token from a pre-created list of generic tokens. The pre-created list may be created by the system or by a third party entity.
As shown in block 315, the system retrieves information associated with the mobile device of the user, wherein the information comprises at least identification code of the digital wallet located on the mobile device of the user. The identification code may be any digit code which is allocated by digital wallet provider. For example, if the digital wallet is provided by a third party entity, the identification code is created and assigned to the digital wallet by the third party entity.
As shown in block 320, the system transmits control signals to cause the mobile device to display a user interface for prompting the user to select one or more resource credentials to associate with the generic token. The system may extract all resource credentials associated with the user and may display all the resource credentials on the user interface of the mobile device of the user. The user interface may be displayed to the user within the online banking application interface from where the user initiates the request. For example, the user may have multiple accounts such as checking account, savings account, credit account, and/or the like. In some instances, the user may use only checking account and credit account for daily transactions via the digital wallet and may like checking account and credit account to be associated with the generic token. The system displays user interface on the mobile device of the user to provide an option to the user to select at least one account from the one or more accounts to associate with the generic token.
As shown in block 325, the system receives selection of the one or more resource credentials from the mobile device of the user. For example, once the user selects at least one account from one or more accounts and submits the selected one or more resource credentials via the online banking application, the system receives the selection of one or more resource credentials to be associated with the generic token generated by the system. As shown in block 330, the system associates the generic token with the identification code and the one or more resource credentials of the user. The generic token is associated with the identification code and the one or more resource credentials of the user to allow the user track the interactions. For example, the user may have multiple digital wallets and multiple device. The user may prefer to track the transactions based on devices or digital wallets. By associating the generic token with identification code of the digital wallet A, the user may track all the transactions performed using digital wallet A. By associating one or more resource credentials of the user with the generic token, the user may restrict the use of resource credentials with the generic token. For example, if there are three accounts associated with the user, the user may choose to associate only two accounts with the generic token, thereby restricting the use of third account to perform transactions via the generic token. Additionally, associating the identification code with the generic token may restrict the use of generic token to particular digital wallet on a particular device.
As shown in block 335, the system transmits the generic token to the one or more authorization networks. The one or more authorization networks store the generic token in a data store, wherein the stored generic token is used to route the transactions. The authorization networks described herein may be any payment processing, authorizing, or routing networks. For example, once the user enters into a transaction at a merchant point of sale device, the payments are managed or routed via payment processing networks. These payment processing networks are responsible for communication between merchant acquiring entity (interaction entity) and user's issuing entity (resource entity). Transmitting the generic token to the one or more authorization networks helps with the process of routing the interactions. For example, the one or more authorization networks after receiving payment information (generic token) from the merchant acquiring entity route the payment to the user's issuing entity based on recognizing the generic token.
As shown in block 340, the system transmits the generic token to the mobile device of the user and stores the generic token in the digital wallet. The user may then use the generic token stored in the digital wallet to perform or initiate interactions. For example, the user may approach a point of sale device and enter into a transaction using the generic token stored in the digital wallet via Near Field Communication of the mobile device as opposed to using one or more resource credentials (account numbers). This method of using the generic token to enter into transactions instead of account numbers will provide an extra layer of security by masking account numbers to prevent misappropriation of account numbers. In some embodiments, in response to receiving the generic token from the system, the user may manually store the generic token in the digital wallet.
Referring to
As shown in block 440, the system automatically selects at least one resource credential from the one or more resource credentials associated with the generic token based at least on the type of the interaction or the location of the interaction. In one embodiment of the present invention, the system uses an artificial intelligence engine to automatically select the at least one resource credential from the one or more resource credentials associated with the generic token, wherein the artificial intelligence engine may use one or more rules to make the selection. In some embodiments, the artificial intelligence engine utilized by the system may automatically select the at least one resource credential based on determining the type of the interaction. For example, if credit card account ‘A’, credit card account ‘B’, credit card account ‘C’ are associated with the generic token and credit card account A may have a reward such as ten percent cash back on travel related transactions, credit card account ‘B’ may have a reward an such as five percent cash back on retail purchases, and credit card account ‘C’ may have a reward such as 15 percent cash back on purchases associated with groceries. The artificial intelligence engine utilized by the system may determine that the interaction request received from the one or more authorization networks is associated with a retail interaction based on the merchant code and the merchant name and may select credit card account B for completing the transaction. In some embodiments, the artificial intelligence engine utilized by the system may automatically select the at least one resource credential based on determining the location of the interaction. For example, if the user has a debit account and credit account associated with the generic token and the debit account may not have any foreign transaction payment, whereas the credit card may have a two percent foreign transaction payment. The artificial intelligence engine utilized by the system may determine that the location of the interaction is outside the country associated with the accounts of the user and may select the debit account for completing the transaction, thereby avoiding the foreign transaction payment. In some embodiments, the artificial intelligence engine utilized by the system may automatically select the at least one resource credential based on supplemental resources associated with the one or more resource credentials. For example, if credit card account ‘A’, credit card account ‘B’, credit card account ‘C’ are associated with the generic token and credit card B has supplemental resources added to it at some point before or after the initiation of the interaction, wherein the supplemental resources may be specific to a merchant ‘A’. The artificial intelligence engine utilized by the system may determine that the interaction is associated with merchant ‘A’ and may select credit card ‘B’ for completing the transaction. In some embodiments, the artificial intelligence engine utilized by the system may select the at least one resource credential based on resources available in the one or more resource credentials, thereby avoiding loading of the one or more resource credentials. For example, if credit card A has twenty percent funds available for interactions and credit card ‘B’ has more than twenty percent funds available for interactions, the artificial intelligence engine may select credit card B′ for completing the interaction.
As shown in block 450, the system routes the interaction by transmitting the at least one resource credential information selected by the artificial intelligence machine to the authorization network to complete the interaction. The one or more authorization networks upon receiving the at least one resource credential information may complete the interaction using the resource credential information. In some embodiments, the one or more authorization networks may transfer the at least one resource credential to card associations associated with the resource credential for completing the transaction. The card associations may be any clearing houses.
Referring to
As shown in block 520, the system receives user preferences from the mobile device of the user associated with the usage of the one or more resource credentials. For example, once the user customizes the usage of the one or more accounts and submits the customized user preferences via the online banking application, the system receives the user preferences. As shown in block 530, the system associated the user preferences with the generic token and store the user preferences in the data store of the system. In some embodiments, the steps described in blocks 510-530 may be performed any time while performing the steps described in blocks 320-330 of
As shown in block 540, the system receives an interaction request from the one or more authorization networks to route an interaction, wherein the interaction request is associated with the interaction initiated by the user via the digital wallet, wherein the interaction request comprises at least the generic token. In an exemplary embodiment, the user approaches a point of sale device of merchant A and initiates an interaction using the generic token stored in the digital wallet. The generic token is then received by the merchant acquiring entity and transferred to one or more authorization networks for further processing. The one or more authorization networks compare the generic token with all generic tokens stored in the data store to find a match. Upon finding a match, the one or more authorization networks determine the issuing entity associated with the generic token and send an interaction request to the issuing entity system to route the interaction. In some embodiments, the one or more authorization networks also transfer other information such as merchant name, merchant code, location of interaction, identification code of the user's digital wallet used for initiating the interaction, and/or the like.
As shown in block 550, the system determines the one or more resource credentials associated with the generic token upon receiving the request. For example, the system determines all accounts which are associated with the generic token. These accounts associated with the generic token are chosen by the user in blocks 320 and 325. As shown in block 560, the system selects a least one resource credential from the one or more resource credentials associated with the generic token based on the user preferences stored in the data store. For example, when the user preferences are based on the type of the interaction, the system determines that the interaction associated with the interaction request received from the one or more authorization networks is a retail interaction and selects the resource credential selected by the user for retail interactions.
As shown in block 570, As shown in block 450, the system routes the interaction by transmitting the at least one resource credential information selected by the artificial intelligence machine to the authorization network to complete the interaction. The one or more authorization networks upon receiving the at least one resource credential information may complete the interaction using the resource credential information. In some embodiments, the one or more authorization networks may transfer the at least one resource credential to card associations associated with the resource credential for completing the transaction. The card associations may be any clearing houses.
In one embodiment of the present invention, the user may use generic token to secure his accounts by only allowing interactions for the one or more resource credentials that are performed via the generic token. Additionally, dynamic utilization of one or more resource credentials associated with the user via the generic token may avoid loading of the one or more resource credentials of the user. In an exemplary embodiment, a resource credential associated with the user may be a shared resource credential. The user may control the usage of the resource credential by placing one or more limits. The one or more limits may be based on the type of interactions. The one or more limits may be placed while performing the process described in step 520. In other words, if the user is a primary user of the resource credential, the user may restrict the secondary user by not permitting the use of resource credential for retail transactions and may allow the secondary user to use the resource credential only for travel related transactions. In some embodiments of the present invention, the one or more resource credentials may include gift cards. In some other embodiments of the present invention, the generic token may be used for processes described in the U.S. Patent Applications, which are hereby incorporated by reference in its entirety.
Referring generally to the embodiments of the invention, supplement resources may be offers for discounts, rebates, and/or coupons (e.g., reverse couponing) that are applied to the user's resource pool retroactively after the interaction has been made. As such, the system enables transmission of individualized or personalized offers to users. For example, an offer associated with a merchant may be a 10% discount on a purchase made from that merchant. As an example, the activated offer may be a rebate of $5 on a purchase of $20 from a department store. The user may decide to use the offer by visiting the department store and making a purchase of $20. In some embodiments, at the point of sale, the user pays $20 for the user's purchase using an eligible payment method determined by the financial institution or the merchant (e.g., payment card, mobile device payment, check, or the like). When the transaction is processed by the financial institution at a predetermined settlement time in the future (e.g., as part of a periodic batch processing operation to generate monthly account statements), the financial institution provides a rebate of $5 to the user's financial institution account. Therefore, the department store, at the point of sale, may have no knowledge that the user will receive a rebate at some point in the future. In some embodiments, even the user may not be aware of the rebate at the point of sale (e.g., if the offer was automatically activated). In other embodiments, the point of sale terminal may provide an indication to at least one of the department store or the user that the user will receive a rebate at some point in the future.
Although many embodiments of the present invention have just been described above, the present invention may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will satisfy applicable legal requirements. Also, it will be understood that, where possible, any of the advantages, features, functions, devices, and/or operational aspects of any of the embodiments of the present invention described and/or contemplated herein may be included in any of the other embodiments of the present invention described and/or contemplated herein, and/or vice versa. In addition, where possible, any terms expressed in the singular form herein are meant to also include the plural form and/or vice versa, unless explicitly stated otherwise. Accordingly, the terms “a” and/or “an” shall mean “one or more,” even though the phrase “one or more” is also used herein. Like numbers refer to like elements throughout.
As will be appreciated by one of ordinary skill in the art in view of this disclosure, the present invention may include and/or be embodied as an apparatus (including, for example, a system, machine, device, computer program product, and/or the like), as a method (including, for example, a business method, computer-implemented process, and/or the like), or as any combination of the foregoing. Accordingly, embodiments of the present invention may take the form of an entirely business method embodiment, an entirely software embodiment (including firmware, resident software, micro-code, stored procedures in a database, or the like), an entirely hardware embodiment, or an embodiment combining business method, software, and hardware aspects that may generally be referred to herein as a “system.” Furthermore, embodiments of the present invention may take the form of a computer program product that includes a computer-readable storage medium having one or more computer-executable program code portions stored therein. As used herein, a processor, which may include one or more processors, may be “configured to” perform a certain function in a variety of ways, including, for example, by having one or more general-purpose circuits perform the function by executing one or more computer-executable program code portions embodied in a computer-readable medium, and/or by having one or more application-specific circuits perform the function.
It will be understood that any suitable computer-readable medium may be utilized. The computer-readable medium may include, but is not limited to, a non-transitory computer-readable medium, such as a tangible electronic, magnetic, optical, electromagnetic, infrared, and/or semiconductor system, device, and/or other apparatus. For example, in some embodiments, the non-transitory computer-readable medium includes a tangible medium such as a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), a compact disc read-only memory (CD-ROM), and/or some other tangible optical and/or magnetic storage device. In other embodiments of the present invention, however, the computer-readable medium may be transitory, such as, for example, a propagation signal including computer-executable program code portions embodied therein. In some embodiments, memory may include volatile memory, such as volatile random access memory (RAM) having a cache area for the temporary storage of information. Memory may also include non-volatile memory, which may be embedded and/or may be removable. The non-volatile memory may additionally or alternatively include an EEPROM, flash memory, and/or the like. The memory may store any one or more of pieces of information and data used by the system in which it resides to implement the functions of that system.
One or more computer-executable program code portions for carrying out operations of the present invention may include object-oriented, scripted, and/or unscripted programming languages, such as, for example, Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript, and/or the like. In some embodiments, the one or more computer-executable program code portions for carrying out operations of embodiments of the present invention are written in conventional procedural programming languages, such as the “C” programming languages and/or similar programming languages. The computer program code may alternatively or additionally be written in one or more multi-paradigm programming languages, such as, for example, F#.
Some embodiments of the present invention are described herein with reference to flowchart illustrations and/or block diagrams of apparatus and/or methods. It will be understood that each block included in the flowchart illustrations and/or block diagrams, and/or combinations of blocks included in the flowchart illustrations and/or block diagrams, may be implemented by one or more computer-executable program code portions. These one or more computer-executable program code portions may be provided to a processor of a general purpose computer, special purpose computer, and/or some other programmable data processing apparatus in order to produce a particular machine, such that the one or more computer-executable program code portions, which execute via the processor of the computer and/or other programmable data processing apparatus, create mechanisms for implementing the steps and/or functions represented by the flowchart(s) and/or block diagram block(s).
The one or more computer-executable program code portions may be stored in a transitory and/or non-transitory computer-readable medium (e.g., a memory or the like) that can direct, instruct, and/or cause a computer and/or other programmable data processing apparatus to function in a particular manner, such that the computer-executable program code portions stored in the computer-readable medium produce an article of manufacture including instruction mechanisms which implement the steps and/or functions specified in the flowchart(s) and/or block diagram block(s).
The one or more computer-executable program code portions may also be loaded onto a computer and/or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer and/or other programmable apparatus. In some embodiments, this produces a computer-implemented process such that the one or more computer-executable program code portions which execute on the computer and/or other programmable apparatus provide operational steps to implement the steps specified in the flowchart(s) and/or the functions specified in the block diagram block(s). Alternatively, computer-implemented steps may be combined with, and/or replaced with, operator- and/or human-implemented steps in order to carry out an embodiment of the present invention.
While certain exemplary embodiments have been described and shown in the accompanying drawings, it is to be understood that such embodiments are merely illustrative of and not restrictive on the broad invention, and that this invention not be limited to the specific constructions and arrangements shown and described, since various other changes, combinations, omissions, modifications and substitutions, in addition to those set forth in the above paragraphs, are possible. Those skilled in the art will appreciate that various adaptations, modifications, and combinations of the just described embodiments can be configured without departing from the scope and spirit of the invention. Therefore, it is to be understood that, within the scope of the appended claims, the invention may be practiced other than as specifically described herein.
To supplement the present disclosure, this application further incorporates entirely by reference the following commonly assigned patent applications:
This application is a continuation of and claims priority from allowed, co-pending U.S. patent application Ser. No. 15/630,270, filed on Jun. 22, 2017 and entitled “DYNAMIC UTILIZATION OF ALTERNATIVE RESOURCES BASED ON TOKEN ASSOCIATION,” the entire disclosure of which is hereby incorporated herein by reference.
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| Number | Date | Country | |
|---|---|---|---|
| 20200137634 A1 | Apr 2020 | US |
| Number | Date | Country | |
|---|---|---|---|
| Parent | 15630270 | Jun 2017 | US |
| Child | 16725389 | US |
