- Charlotte NC, US Akshaya Negi - Charlotte NC, US Matthew L. Donlan - Charlotte NC, US Scott L. Harkey - Concord NC, US Tony England - Tega Cay SC, US
Assignee:
Bank of America Corporation - Charlotte NC
International Classification:
G06Q 20/34 G06K 19/077 G06K 19/06
Abstract:
A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.
- Charlotte NC, US Akshaya Negi - Charlotte NC, US
Assignee:
BANK OF AMERICA CORPORATION - Charlotte NC
International Classification:
G06Q 20/02 G06Q 20/40
Abstract:
According to some embodiments, a system comprises one or more processors associated with a financial institution. The financial institution provides a financial account for a user. The system also comprises a dedicated interface between the financial institution and an electronic payment service external to the financial institution. The electronic payment service provides a virtual account for the user. The one or more processors are configured to determine when the user requests a financial transaction to transfer funds from a source to a destination (one of which corresponds to the virtual account), validate the financial transaction based on data received from the electronic payment service over the dedicated interface, and transfer the funds to the destination. The funds are transferred prior to hard-posting such that the funds become available at the destination in real-time while the financial transaction is pending.
BOA since Dec 2010
VP
OST 2010 - 2012
Software Consultant
Collabera Inc. Sep 2007 - Nov 2010
Senior .NET Consultant
Education:
Indian Institute of Technology, Kanpur
M.Tech.
National Institute of Technology Warangal
B.Tech.
Skills:
Sdlc Software Project Management Requirements Analysis .Net Business Analysis Enterprise Architecture Solution Architecture Software Development Agile Methodologies Soa Requirements Gathering Oracle Web Services Data Warehousing Pl/Sql Integration Etl Db2 Unix Software Development Life Cycle Java Spring Framework Spring Mvc Spring Security Hibernate J2Ee Web Services Websphere Mq Restful Webservices Soap Agile Application Development Rally Jboss Application Server Capacity Planning Java Web Services Soapui Web Service Development