Dynamic utilization of alternative resources based on token association

• US 10,524,165 B2
• Filed: 06/22/2017
• Issued: 12/31/2019
• Est. Priority Date: 06/22/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Greene, Tracy Beth, Angus, Frederika Zipporah Morris, Bosin, Emily Paige, Brand, Kathleen Miranda, Burks, William Bradley, Joseph, Deepak, Ramirez, Karla, Randall, Laura Elizabeth
• Primary Examiner(s): Nguyen, Angela
• Application Number:
  US15/630,270
• Publication Number:
  US 20180376378A1
• Time in Patent Office: 922 Days
• CPC Class Codes: G06F 21/33 using certificates
• CPC Class Codes: G06F 2221/2137 Time limited access, e.g. to a computer or data
• CPC Class Codes: G06F 9/5005 to service a request
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: H04L 47/72 using reservation actions during connection setup
• CPC Class Codes: H04L 47/805 QOS or priority aware
• CPC Class Codes: H04L 47/808 User-type aware
• CPC Class Codes: H04L 47/824 Applicable to portable or mobile terminals
• CPC Class Codes: H04W 28/26 Resource reservation

Abstract

Embodiments of the present invention provide a system for dynamic utilization of alternative resources based on token association. The system is typically configured for receiving a request from a user to generate a generic token for a digital wallet located on a mobile device of the user, generating the generic token and associating one or more resource credentials of the user with the generic token, transmitting the generic token to the mobile device of the user and storing the generic token in the digital wallet, receiving an interaction request from an authorization network to route an interaction, and routing the interaction to complete the interaction by 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 authorization network.

Claims

1. A system for dynamic utilization of alternative resources, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;

receive 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;

identify a device identifier associated with the mobile device;

generate the generic token using the device identifier of the mobile device in response to receiving the request from the user;

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;

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;

receive selection of the one or more resource credentials from the mobile device of the user;

associate the generic token with the identification code and the one or more resource credentials of the user;

transmit the generic token to the mobile device of the user and store the generic token in the digital wallet; and

receive an interaction request from 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; and

route the interaction for completing the interaction by;

determining the one or more resource credentials associated with the generic token;

determining a type of the interaction and selecting at least one resource credential from the one or more resource credentials associated with the generic token based on the type of the interaction; and

transmitting the at least one resource credential to the one or more authorization networks.

2. The system of claim 1, wherein 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.

3. The system of claim 1, wherein 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.

4. The system of claim 1, wherein the processing device is further configured to:

prompt the user on the mobile device, via the user interface, to customize usage of the one or more resource credentials;

receive user preferences from the mobile device of the user associated with the usage of the one or more resource credentials; and

associate the user preferences with the generic token and store the user preferences in a data store.

5. The system of claim 1, wherein the type of the interaction is determined based on a merchant associated with the interaction.

6. The system of claim 4, wherein 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.

7. A computer program product for dynamic utilization of alternative resources, the computer program product comprising at least one non-transitory computer readable medium comprising computer readable instructions for:

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;

identifying a device identifier associated with the mobile device;

generating the generic token using the device identifier of the mobile device in response to receiving the request from the user;

retrieving 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;

transmitting 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;

receiving selection of the one or more resource credentials from the mobile device of the user;

associating the generic token with the identification code and the one or more resource credentials of the user;

transmitting the generic token to the mobile device of the user and store the generic token in the digital wallet; and

receiving an interaction request from 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; and

routing the interaction for completing the interaction by;

determining the one or more resource credentials associated with the generic token;

determining a type of the interaction and selecting at least one resource credential from the one or more resource credentials associated with the generic token based on the type of the interaction; and

transmitting the at least one resource credential to the one or more authorization networks.

8. The computer program product of claim 7, wherein 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.

9. The computer program product of claim 7, wherein 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.

10. The computer program product of claim 7, wherein the at least one non-transitory computer readable medium comprises computer readable instructions for:

prompting the user on the mobile device, via the user interface, to customize usage of the one or more resource credentials;

receiving user preferences from the mobile device of the user associated with the usage of the one or more resource credentials; and

associating the user preferences with the generic token and store the user preferences in a data store.

11. The computer program product of claim 7, wherein the type of the interaction is determined based on a merchant associated with the interaction.

12. The computer program product of claim 10, wherein 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.

13. A computer-implemented method for dynamic utilization of alternative resources, the computer-implemented method comprises:

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;

identifying a device identifier associated with the mobile device;

generating the generic token using the device identifier of the mobile device in response to receiving the request from the user;

retrieving 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;

transmitting 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;

receiving selection of the one or more resource credentials from the mobile device of the user;

associating the generic token with the identification code and the one or more resource credentials of the user;

transmitting the generic token to the mobile device of the user and store the generic token in the digital wallet; and

receiving an interaction request from 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; and

routing the interaction for completing the interaction by;

determining the one or more resource credentials associated with the generic token;

determining a type of the interaction and selecting at least one resource credential from the one or more resource credentials associated with the generic token based on the type of the interaction; and

transmitting the at least one resource credential to the one or more authorization networks.

14. The computer-implemented method of claim 13, wherein 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.

15. The computer-implemented method of claim 13, wherein 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.

16. The computer-implemented method of claim 13, wherein the computer-implemented method further comprises:

prompting the user on the mobile device, via the user interface, to customize usage of the one or more resource credentials;

receiving user preferences from the mobile device of the user associated with the usage of the one or more resource credentials; and

associating the user preferences with the generic token and store the user preferences in a data store.

17. The computer-implemented method of claim 13, wherein the type of the interaction is determined based on a merchant associated with the interaction.

18. The computer-implemented method of claim 16, wherein 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.