Dynamic utilization of alternative resources based on token association

Patent metadata

Field	Value
Publication number	US-10986541-B2
Application number	US-201916725389-A
Country	US
Kind code	B2
Filing date	Dec 23, 2019
Priority date	Jun 22, 2017
Publication date	Apr 20, 2021
Grant date	Apr 20, 2021

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.

First claim

What is claimed is:

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 resource amounts associated with the one or more resource credentials;
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 the resource amounts associated with the one or more resource credentials; 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 3 , wherein the supplemental resources are offers accepted by the user.

5. 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.

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

8. A 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 resource amounts associated with the one or more resource credentials;
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 the resource amounts associated with the one or more resource credentials; and
transmitting the at least one resource credential to the one or more authorization networks.

9. The non-transitory computer readable medium of claim 8 , 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.

10. The non-transitory computer readable medium of claim 8 , 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.

11. The non-transitory computer readable medium of claim 10 , wherein the supplemental resources are offers accepted by the user.

12. The non-transitory computer readable medium of claim 8 , 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.

13. The non-transitory computer readable medium of claim 12 , 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.

14. The non-transitory computer readable medium of claim 8 , wherein the type of the interaction is determined based on a merchant associated with the interaction.

15. A computer-implemented method implemented in hardware 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 t

Assignees

• Bank Of America

Inventors

• Greene Tracy Beth
• Angus Frederika Zipporah Morris
• Bosin Emily Paige
• Brand Kathleen Miranda
• Burks William Bradley
• Joseph Deepak
• Ramirez Karla
• Randall Laura Elizabeth

Classifications

• G06Q20/3265 Primary

  characterised by personalisation for use · CPC title

• H04L47/72

  using reservation actions during connection setup · CPC title

• G06Q20/3821

  Electronic credentials · CPC title

• H04L47/824

  Applicable to portable or mobile terminals · CPC title

• G06F9/5005

  to service a request · CPC title