System for priority presentation integration on third party systems for limiting resource disbursement

• US 10,636,029 B2
• Filed: 12/12/2016
• Issued: 04/28/2020
• Est. Priority Date: 11/14/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Greene, Tracy Beth, Burks, William Bradley, Heiman, Andrew S., Thomas, Richard Huw
• Primary Examiner(s): Dagnew, Saba
• Application Number:
  US15/376,179
• Publication Number:
  US 20180137500A1
• Time in Patent Office: 1,233 Days
• Field of Search: 707E17108, 705 729, 718104
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for implementing logic code within a resource disbursement limiter for integration into user mobile wallets via a third party mobile wallet system. The system provides a logic code within the presented resource disbursement limiter to the third party mobile wallet system for specific integration into a select user'"'"'s mobile wallets and at selected locations within a list presented to the user via the mobile wallet. Furthermore, the system receives notification of use of the resource disbursement limiter and is pushed the acceptance for integration into the user resource storage.

Claims

1. A system for priority presentation integration onto a third party system, the apparatus 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;

generate a resource disbursement limiter with programmed logic code that is directed to a presentation location within a third party mobile application, wherein the programmed logic code is triggered for integration into the third party mobile application based on location of a mobile device of a user that includes the third party mobile application;

apply a merchant exclusion rule and a user exclusion rule to the resource disbursement limiter to determine authorized transmittal of the resource disbursement limiter, wherein the user exclusion excludes resource disbursement limiters that are different from user transaction history;

transmit the resource disbursement limiter at the third party system for storage and integration into the third party mobile application for the user for integration into the mobile device of the user;

receive indication of user utilization of the resource disbursement limiter at a merchant location via the third party mobile application, wherein user utilization of the resource disbursement limiter triggers logic code generation of a communication linkage notification of use of the resource disbursement limiter and a product associated with the use; and

store the received indication and compile previously received indications with the user account for additional generation of resource disbursement limiters and tracking of resource disbursement limiters based on the user utilization of the resource disbursement limiter.

2. The system of claim 1, wherein the resource disbursement limiter is an offer for the user to use during a transaction for purchasing a product or service, within the offer is a discount on a resource requirements for purchasing the product or the service.

3. The system of claim 1, further comprising presenting the resource disbursement limiter as an offer to the user via an interface associated with the third party mobile application during a transaction with a merchant, wherein the offer is positioned in a priority position within a list of offers presented to the user via the interface associated with the third party mobile application.

4. The system of claim 1, wherein the third party mobile application is a mobile wallet application integrated into a user device for use by the user to complete a transaction with one or more accounts.

5. The system of claim 1, further comprising positioning the resource disbursement limiter first on a list of offers provided on an interface associated with a mobile wallet that is provided to the user from the third party for completion of a transaction.

6. The system of claim 1, further comprising positioning the resource disbursement limiter first on a list of offers provided on an interface associated with a mobile wallet based on an identification of a user device accessing the mobile wallet is within a predetermined geographical location.

7. The system of claim 1, wherein receiving an indication of user utilization of the resource disbursement limiter at a merchant location further comprises user selection of an offer via a mobile wallet application provided by the third party to complete a transaction at the merchant using the mobile wallet, wherein the indication is transmitted via a communication link from the merchant or a user device associated with the mobile wallet.

8. The system of claim 1, wherein the resource disbursement limiter is an offer that is generated for the user, wherein the offer is for products or services that are the same or associated with products or services that the user has purchased in the past based on a review of user transaction history.

9. A computer program product for priority presentation integration onto a third party system, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for generating a resource disbursement limiter with programmed logic code that is directed to a presentation location within a third party mobile application, wherein the programmed logic code is triggered for integration into the third party mobile application based on location of a mobile device of a user that includes the third party mobile application;

an executable portion configured for applying a merchant exclusion rule and a user exclusion rule to the resource disbursement limiter to determine authorized transmittal of the resource disbursement limiter, wherein the user exclusion excludes resource disbursement limiters that are different from user transaction history;

an executable portion configured for transmitting the resource disbursement limiter at the third party system for storage and integration into the third party mobile application for the user for integration into the mobile device of the user;

an executable portion configured for receiving indication of user utilization of the resource disbursement limiter at a merchant location via the third party mobile application, wherein user utilization of the resource disbursement limiter triggers logic code generation of a communication linkage notification of use of the resource disbursement limiter and a product associated with the use; and

an executable portion configured for storing the received indication and compile previously received indications with the user account for additional generation of resource disbursement limiters and tracking of resource disbursement limiters based on the user utilization of the resource disbursement limiter.

10. The computer program product of claim 9, wherein the resource disbursement limiter is an offer for the user to use during a transaction for purchasing a product or service, within the offer is a discount on a resource requirements for purchasing the product or the service.

11. The computer program product of claim 9, further comprising an executable portion configured for presenting the resource disbursement limiter as an offer to the user via an interface associated with the third party mobile application during a transaction with a merchant, wherein the offer is positioned in a priority position within a list of offers presented to the user via the interface associated with the third party mobile application.

12. The computer program product of claim 9, wherein the third party mobile application is a mobile wallet application integrated into a user device for use by the user to complete a transaction with one or more accounts.

13. The computer program product of claim 9, further comprising an executable portion configured for positioning the resource disbursement limiter first on a list of offers provided on an interface associated with a mobile wallet that is provided to the user from the third party for completion of a transaction.

14. The computer program product of claim 9, further comprising an executable portion configured for positioning the resource disbursement limiter first on a list of offers provided on an interface associated with a mobile wallet based on an identification of a user device accessing the mobile wallet is within a predetermined geographical location.

15. The computer program product of claim 9, wherein receiving an indication of user utilization of the resource disbursement limiter at a merchant location further comprises user selection of an offer via a mobile wallet application provided by the third party to complete a transaction at the merchant using the mobile wallet, wherein the indication is transmitted via a communication link from the merchant or a user device associated with the mobile wallet.

16. The computer program product of claim 9, wherein the resource disbursement limiter is an offer that is generated for the user, wherein the offer is for products or services that are the same or associated with products or services that the user has purchased in the past based on a review of user transaction history.

17. A computer-implemented method for priority presentation integration onto a third party system, the method comprising:

providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations;

generating a resource disbursement limiter with programmed logic code that is directed to a presentation location within a third party mobile application, wherein the programmed logic code is triggered for integration into the third party mobile application based on location of a mobile device of a user that includes the third party mobile application;

applying a merchant exclusion rule and a user exclusion rule to the resource disbursement limiter to determine authorized transmittal of the resource disbursement limiter, wherein the user exclusion excludes resource disbursement limiters that are different from user transaction history;

transmitting the resource disbursement limiter at the third party system for storage and integration into the third party mobile application for the user for integration into the mobile device of the user;

receiving indication of user utilization of the resource disbursement limiter at a merchant location via the third party mobile application, wherein user utilization of the resource disbursement limiter triggers logic code generation of a communication linkage notification of use of the resource disbursement limiter and a product associated with the use; and

storing the received indication and compile previously received indications with the user account for additional generation of resource disbursement limiters and tracking of resource disbursement limiters based on the user utilization of the resource disbursement limiter.

18. The computer-implemented method of claim 17, wherein the resource disbursement limiter is an offer for the user to use during a transaction for purchasing a product or service, within the offer is a discount on a resource requirements for purchasing the product or the service.

19. The computer-implemented method of claim 17, further comprising presenting the resource disbursement limiter as an offer to the user via an interface associated with the third party mobile application during a transaction with a merchant, wherein the offer is positioned in a priority position within a list of offers presented to the user via the interface associated with the third party mobile application.

20. The computer-implemented method of claim 17, wherein receiving an indication of user utilization of the resource disbursement limiter at a merchant location further comprises user selection of an offer via a mobile wallet application provided by the third party to complete a transaction at the merchant using the mobile wallet, wherein the indication is transmitted via a communication link from the merchant or a user device associated with the mobile wallet.