US 12,412,215 B2
Systems and methods for display notifications for routing of electronic transaction processing results
Usha Narayana, Natick, MA (US); and Kimberly Belle Summerrow, Charlotte, NC (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on May 21, 2024, as Appl. No. 18/669,996.
Application 18/669,996 is a continuation of application No. 17/065,597, filed on Oct. 8, 2020, granted, now 12,026,778.
Application 17/065,597 is a continuation of application No. 16/222,495, filed on Dec. 17, 2018, granted, now 10,810,674, issued on Oct. 20, 2020.
Application 17/065,597 is a continuation of application No. 16/222,585, filed on Dec. 17, 2018, granted, now 10,817,860, issued on Oct. 27, 2020.
Application 16/222,495 is a continuation of application No. 14/844,875, filed on Sep. 3, 2015, granted, now 10,169,749, issued on Jan. 1, 2019.
Application 16/222,495 is a continuation of application No. 14/844,887, filed on Sep. 3, 2015, granted, now 10,169,820, issued on Jan. 1, 2019.
Prior Publication US 2024/0386498 A1, Nov. 21, 2024
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01); G06Q 40/06 (2012.01); H04W 4/12 (2009.01)
CPC G06Q 40/06 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/405 (2013.01); H04W 4/12 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method to reduce computing load on a point-of-sale device, the method comprising:
authorizing, by a computer server in signal communication with the point-of-sale device, a first financial transaction initiated at the point-of-sale device;
posting, by the computer server, the first financial transaction to a source account;
calculating, by the computer server, a first savings amount by rounding a transaction amount of the first financial transaction to a nearest whole monetary amount, wherein the first savings amount is a difference between the transaction amount and the nearest whole monetary amount;
determining, by the computer server, an aggregate savings amount by adding together the first savings amount and a second savings amount calculated for a second financial transaction posted to the source account;
determining, by the computer server, that the aggregate savings amount is available in the source account before debiting the aggregate savings amount from the source account;
determining, by the computer server, that the aggregate savings amount has reached a pre-determined threshold;
sending, by the computer server, a notification to a mobile device associated with the source account that the aggregate savings amount has reached the pre-determined threshold, wherein the notification comprises a signal activating a motor in the mobile device to cause vibration of the mobile device, and wherein computing load on the point-of-sale device is reduced by deferring calculation of the first savings amount to the computer server, and wherein computing load on the computer server is reduced by postponing a step of debiting at least a portion of the aggregate savings amount from the source account until the aggregate savings amount has reached the pre-determined threshold;
receiving, by the computer server from the mobile device, a selective distribution message type, wherein the selective distribution message type comprises selection information, wherein the selection information identifies one or more recipient accounts selected through an interface of the mobile device; and
separating then distributing, by the computer server, the selective distribution message type into a plurality of messages to a plurality of banking servers to cause the plurality of banking servers to debit at least a portion of the aggregate savings amount from the source account to the one or more recipient accounts, wherein the separating then distributing of the plurality of messages distributes a processing load among the plurality of banking servers.