James J Burgess

US Patent:

8370263, Feb 5, 2013

Filed:

Jun 30, 2011

Appl. No.:

13/173551

Inventors:

Geoffrey R. Williams - Midlothian TX, US
James E. Burgess - Charlotte NC, US
Alicia C. Jones - Fort Mill SC, US
Mark D. Zanzot - Huntersville SC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/00
G06Q 30/00
G06Q 40/00

US Classification:

705 64, 705 39, 705 41, 705 65

Abstract:

Methods, computer readable media, and apparatuses for providing trusted services management using a hybrid service model are presented. According to one or more aspects, a first transaction log of a first secure element included in a mobile computing device may be received. The first secure element may be provisioned with first secure information provided to a user of the computing device by a first entity, such as a first financial institution. Subsequently, a second transaction log of a second secure element included in the mobile computing device may be received. The second secure element may be provisioned with second secure information provided to the user of the computing device by a second entity different from the first entity, such as a second financial institution, for instance. In some arrangements, incentive offers may thereafter be provided to the user based on the first transaction log and the second transaction log.