Chuan Bin Lin

US Patent:

7980464, Jul 19, 2011

Filed:

Dec 23, 2008

Appl. No.:

12/343036

Inventors:

Helen Sarris - Burlington NJ, US
Timothy B. Byrd - Charlotte NC, US
Rhonna J. Clark - Charlotte NC, US
Chuan Bin Lin - Richardson TX, US
Daniel P. Shnowske - Waxahachie TX, US
William Treadwell - Addison TX, US
Mian Zhou - Dallas TX, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00
G07D 11/00
G07F 19/00

US Classification:

235379, 705 43, 705 44

Abstract:

Systems and methods are provided for protecting against bank card fraud and related crimes by providing a distress/fraud trigger at bank card machines, such as automated teller machines and point-of-sale terminals. The trigger initiates certain heightened-security processes designed to stop the crime, control damage, and help apprehend the criminal. For example, in one embodiment, the trigger involves the cardholder inputting a “panic” personal identification code into the bank card machine. The panic personal identification code indicates to a party involved in the bank card transaction that a fraudulent transaction may be taking place. The heightened-security processes may include, for example, displaying that the bank card machine is out-of-order, dispensing money with a GPS tracking device, requesting additional identification steps, instituting delay tactics, notifying on-site personnel, or forwarding audio or video information from the bank card machine to a bank's command center in real time or near real time.

US Patent:

20100114767, May 6, 2010

Filed:

Oct 31, 2008

Appl. No.:

12/262493

Inventors:

Chuan Bin Lin - Richardson TX, US
Tim Byrd - Charlotte NC, US
Rhonna J. Clark - Charlotte NC, US
Helen elaine Sarris - Burlington NJ, US
Dan Shnowske - Waxahachie TX, US
William S. Treadwell - Charlotte NC, US
Mian Zhou - Dallas TX, US

Assignee:

Bank of America Corp. - Charlotte NC

International Classification:

G06Q 40/00
G06F 3/12

US Classification:

705 41, 705 35, 358 115

Abstract:

Apparatus and methods for providing a card that has a stored value. The apparatus and methods may involve offering the card to a customer, applying branding information to the card, charging a customer account for the value, and dispensing the card. The stored value card may be provided by a machine to a customer. The machine may be a financial institution automated teller machine (ATM). The ATM may transmit instructions to transfer funds from the customer's to one or more of the financial institution's retail partners. The ATM may apply visual information to the card. The visual information may include branding information, a message or any other suitable information.