Gregory David Lloyd

US Patent:

20120239473, Sep 20, 2012

Filed:

Jun 7, 2011

Appl. No.:

13/155184

Inventors:

Mark McInnes - West Chester PA, US
Eric Charles Boyd - New London Township PA, US
Emilie Astrid Cordell - Glenmoore PA, US
Dimitrij A. Lang - Bedford TX, US
Gregory Joseph Lloyd - Charlotte NC, US
Daniel C. Maddox - Cochranville PA, US
Andrea Robinette - Hockessin DE, US
Robert L. Rowe - Wills Point TX, US
Stephen Mark Schneeweis - Newark DE, US

International Classification:

G06Q 30/00

US Classification:

705 1417, 705 143

Abstract:

A method for providing a customer-centric rewards platform configured to communicate to a customer information related to one or more rewards programs associated with one or more customer accounts includes initiating presentation, using a processing device, to the customer of the rewards platform comprising information related to one or more rewards programs associated with the customer, wherein each of the rewards programs is associated with at least one customer account, determining a non-account transaction event indicating one or more rewards should be applied to one or more rewards accounts has occurred, each of the one or more rewards accounts associated with one or more customer accounts, and crediting one or more rewards accounts with one or more rewards based at least in part on the occurrence of the non-account transaction event.

US Patent:

20200005280, Jan 2, 2020

Filed:

Sep 12, 2019

Appl. No.:

16/568692

Inventors:

- Charlotte NC, US
Gregory Joseph Lloyd - Charlotte NC, US
Tony England - Tega Cay SC, US
Stephen Philip Selfridge - Huntersville NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/36

Abstract:

Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

US Patent:

20170091721, Mar 30, 2017

Filed:

Sep 30, 2015

Appl. No.:

14/871293

Inventors:

- Charlotte NC, US
Gregory Joseph Lloyd - Charlotte NC, US
Tony England - Tega Cay SC, US
Stephen Philip Selfridge - Huntersville NC, US

International Classification:

G06Q 20/10
G06Q 20/36

Abstract:

Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

US Patent:

20170091758, Mar 30, 2017

Filed:

Sep 30, 2015

Appl. No.:

14/870790

Inventors:

- Charlotte NC, US
Gregory Joseph Lloyd - Charlotte NC, US
Lauren Marie Zavodny - Charlotte NC, US
James Gregory Ronca - Decatur GA, US
Stephen Philip Selfridge - Huntersville NC, US

International Classification:

G06Q 20/36
G06Q 20/38
G06Q 20/40

Abstract:

Embodiments of the invention are directed to a system, method, or computer program product for payment vehicle agnostic payment tokenization. In this way, the invention provides a means for a user to use a token for a transaction at a merchant without the merchant making infrastructural changes. The token may be specifically coded for merchant recognition and identification that the merchant's infrastructure is not capable of processing the received token. Instead of declining the transaction, code is implemented into the token that the merchant recognizes and routes the token to the invention infrastructure for authorization. The infrastructure then correlates the token to the appropriate account and finalizing authorization and payment routing based on the correlation.

US Patent:

20170091759, Mar 30, 2017

Filed:

Sep 30, 2015

Appl. No.:

14/871315

Inventors:

- Charlotte NC, US
Gregory Joseph Lloyd - Charlotte NC, US
Tony England - Tega Cay SC, US
Lauren Marie Zavodny - Charlotte NC, US

International Classification:

G06Q 20/36
G06Q 20/40

Abstract:

Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments generate a payment token associated with an account of a customer, wherein the payment token is associated with an amount of funds; enable the customer to issue the generated payment token to a third party; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the payment token; and approve and settle the transaction.

US Patent:

20170068952, Mar 9, 2017

Filed:

Sep 30, 2015

Appl. No.:

14/871759

Inventors:

- Charlotte NC, US
Lauren Marie Zavodny - Charlotte NC, US
Stephen Philip Selfridge - Huntersville NC, US
Gregory Joseph Lloyd - Charlotte NC, US

International Classification:

G06Q 20/36
G06Q 20/40

Abstract:

Embodiments of the invention are directed to electronic collection, display and association of payment credentials or tokens by providing a comprehensive management platform for managing multiple digital wallets. The invention provides an integrated digital wallet management interface that enables the user to view and modify the payment credentials or tokens associated with the multiple wallets, stored at different locations, without requiring the user to access the payment credentials or tokens thorough conventional channels separately. In this regard, the integrated digital wallet management interface may display one or more payment credentials on a dashboard on a user mobile device along with one or more characteristics of the payment credentials. Embodiments of the invention are also directed to authenticate the user and enable the user to initiate one or more transactions associated with the payment credentials or tokens from a single interface.