1
Jamily Pentz, Emmet Burns, Richard J Collins, R Bruce Montgomery, A Allen Kendle: Data card. Bank of America Corporation, Michael A Springs, Covington & Burling, October 29, 2002: US06471127 (124 worldwide citation)

A data card is reduced in size from the conventional standard size credit card. Accessibility of the card is enhanced because the card may be stored in a separate location from conventionally sized cards, such as on a key-chain or similar device. The card of the present invention has a means for sto ...


2
David D Strunk, Aaron D Kephart, Steven J Liseski, Robin M Fields: System and method for interactive advertising. Bank of America Corporation, Michael A Springs, Covington & Burling, March 16, 2004: US06708176 (110 worldwide citation)

An interactive advertising and public announcement system having storage and processing capabilities, as well as a display device, configured to store, process and/or display a media presentation. The media presentation proceeds according to a Playlist that may incorporate links to web-based content ...


3
Samuel Jeff Carter, Ray Garcia, David Joa, David Joffe, John Mertz, Zoran Obradovic, Hans Schumacher: Authentication methods for use in financial transactions and information banking. Bank of America Corporation, Banner & Witcoff, Michael A Springs, October 4, 2011: US08028896 (60 worldwide citation)

A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates t ...


4
James Ashfield, David Shroyer, Douglas Brown: Location based authentication of mobile device transactions. Bank of America Corporation, Banner & Witcoff, Michael A Springs, October 23, 2012: US08295898 (57 worldwide citation)

Systems, methods, and software for implementing location-based authentication of both online and mobile web-based transactions. This implementation may involve verifying whether a mobile device (such as a cellular telephone) is proximate to a computer from which the transaction is being performed. D ...


5
David Wayne Barnhardt, Charles F Pigg: Fraud protection. Bank of America Corporation, Banner & Witcoff, Michael A Springs, August 18, 2009: US07575157 (56 worldwide citation)

Systems and methods are illustrated for providing enhanced fraud protection. Aspects of the fraud protection system may be implemented by a filter that may be configured to detect fraud in a transaction between a financial institution and a customer. An input device may receive data that corresponds ...


6
Amy Baker Folk, William Thomas Sanders, Daniel Christopher Bohen, Shane Anthony Johnson: System and method of reconciling currency and coin in a cash handling device. Bank of America Corporation, Banner & Witcoff, Michael A Springs, March 27, 2012: US08141772 (49 worldwide citation)

A cash recycler or other currency handling device includes a system and method for counting and/or reconciling cash, including currency and/or coin, in a cash drawer or till. The cash drawer may be inserted into a cash handling device and the amount of cash in the drawer may be determined, i.e., usi ...


7
Amy Baker Folk, Daniel Christopher Bohen: RFID drawer integration with cash handling devices and point of sale devices. Bank of America Corporation, Banner & Witcoff, Michael A Springs, September 6, 2011: US08011581 (49 worldwide citation)

Methods, systems, and devices utilize RFID devices in order to provide integrated information for receivables, inventory, and/or transactions from point of sale (POS) devices and cash handling device(s) to accounting systems. Transactions (e.g., debit card, credit card, coin, cash, check, etc.) are ...


8
James G Ronca, David T Frew: Image and data processing system. Bank of America Corporation, Moore & Van Allen PLLC, Steven B Phillips, Michael A Springs, September 2, 2008: US07421153 (49 worldwide citation)

A system and method for processing financial information is provided. A client request may be received through an application program interface (API). A first set of data based on the client request may be retrieved through the API from a first information repository comprising information on debit ...


9
Puneet Kumar, Debashis Ghosh, Matthew Brian Cincera, Sudeshna Banerjee: Itemized receipt tracking system. Bank of America Corporation, Michael A Springs, Moore & Van Allen PLLC, August 24, 2010: US07783515 (46 worldwide citation)

Embodiments of the present invention are directed to apparatuses, systems, methods, and computer program products for: (1) receiving transaction data from a transaction involving a consumer, where the transaction data comprises product-level information; (2) storing the transaction data in memory; a ...


10
Pavan Chayanam, Todd Inskeep, Eric William Miller, Clay Newton, David Charles Shroyer: Reusable authentication experience tool. Bank of America Corporation, Banner & Witcoff, Michael A Springs, March 13, 2012: US08136148 (46 worldwide citation)

A reusable authentication component may be integrated into a web page to communicate with an authentication server and authenticate a user to the web page. The reusable authentication component may implement a complex authentication process, including multiple user interfaces to receive multiple ass ...



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