Jpmorgan Chase Bank, N.a.

Ajinkya P Joglekar

Manning R Field

Lionel Nicolau

Neil I Seideman

The invention relates to a mobile device that makes payment for items without having to physically interact with a cashier terminal, the mobile device comprising: a memory that stores data associated with an account and a user; a microprocessor, coupled to the memory, programmed to perform the following: detect the mobile device entering a merchant location; activate a precheck feature on the mobile device upon the mobile device entering a merchant location; identify one or more items for checkout based on a sensor corresponding to each item; calculate a total amount for the one or more items; automatically initiate a charge for the total amount when the mobile device departs the merchant location; and deduct the total amount of the charge from a funding source.

System and method for implementing payment with a mobile payment device

The invention relates to a digital card comprising: a memory that stores data associated with an account and a user; a sensor that detects a user's fingerprint to identify the user; a display on the digital card that displays an identification associated with the user and a card number upon activation of the digital card responsive to the user's fingerprint; a microprocessor, coupled to the memory, sensor and the display, programmed to perform the following: monitor spend activity on the digital card; determine the user's credit worthiness based at least in part on the monitored spend activity; and automatically update the display on the digital card responsive to the user's credit worthiness and spend activity.

System and method for increasing credit worthiness of account holders

The invention relates to a computer-implemented system and method for providing travel information to a customer of a business such as a financial institution, according to one example. The method may comprise the steps of: acquiring customer profile data, acquiring customer location data, acquiring merchant location data within an airport, acquiring flight status data; acquiring product availability data; transmitting a first data set to the customer's mobile device after the customer arrives at the airport providing a departure time for the flight and a travel time period from a current location of the customer to a location of a departure gate; transmitting a second data set identifying amenities located along a route from the customer's current location to the departure gate, wherein the amenities are identified based on the customer profile data; and transmitting a third data set to the customer's mobile device comprising merchant product availability information and an invitation for the customer to order the product before arriving at the merchant.

System, method, and computer readable medium for providing travel assistance

The invention relates to a computer-implemented system and method for loyalty integration to facilitate redemption of rewards using a mobile device. According to an embodiment of the present invention, a system and method comprise the steps of: connecting a merchant app, associated with a merchant, with a funding source associated with a financial institution, wherein the merchant app provides a merchant program to the user; identifying a number of points for conversion to stored value on the merchant app; converting the number of points to a stored value amount on the merchant app; loading the merchant app with the stored value; and responsive to a user request on the merchant app, performing a payment transaction for a purchase using the converted stored value.

System and method for loyalty integration for merchant specific digital wallets

The invention relates to a mobile device that enables a user to send a digital tip to a recipient as a standalone transaction, the mobile device comprising: a memory that stores data associated with an account and a user; a microprocessor, executing a mobile application, the processor coupled to memory and programmed to: identify whether the mobile device is near a service provider based on a geofence (or other boundary); display a prompt on the mobile device to send a tip to a mobile device of the service provider in response to the mobile device's proximity to the service provider and a prior service interaction which is independent of an underlying transaction; transmit a tip message informing the service provider of the tip and debit an amount of the tip from an account associated with a consumer.

System and method for implementing a digital tipping application on a mobile device

The invention relates to a computer-implemented system and method for enabling the use of rewards cash or points with a mobile device at a merchant's point of sale device, according to one example. The method may comprise the steps of: acquiring information about the location of a mobile device of an account holder; sending information to the mobile device identifying one or more nearby merchants at which the account holder is able to make a payment with the mobile device using a rewards currency associated with an account of the account holder; sending to the mobile device an available rewards currency amount that can be applied to a purchase; receiving a selected rewards currency amount that the account holder elects to apply to the purchase; and initiating a generation of an electronic payment signal by the mobile device for the total purchase amount.

Growing community of inventors

Philadelphia, PA, United States of America

Ajinkya P Joglekar