Jpmorgan Chase Bank, N.a.

The Payments Foundry LLC

Anil Jacob

Reto Schneller

Blake Ramsay McEldowney

Madhusudan Nott

Manning R Field

Joseph Arnone

Brian S Gantert

Shuying Feng

Systems and methods for enhanced dining experiences, and other experiences, using a mobile device are disclosed. In one embodiment, the system (1) monitors providing at least one good or service to the customer during the event; the system (2) performing processing to determine cardless payment feature availability including: (a) determining a probable spend of the customer for the event; (b) determining a probable spend acceptable threshold (PSAT) for the event; (c) comparing the probable spend of the customer versus the PSAT, and based on such comparing, determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer; the system (3) generating an invoice; (4) transmitting the invoice to the customer's messaging address; (5) receiving, over the at least one network, an approval for the invoice; and the system () charging the customer's account.

Systems and methods for enhanced dining and other experiences using a mobile device

Electronic device

The invention provides systems and methods that provide a mobile banking platform to a user. The system may be in the form of an application disposed in a mobile customer machine, the application tangibly disposed in the form of code on a computer readable medium. The application may comprise a processing portion that interfaces with a human user and interfaces with a bank processing system, the processing portion providing financial related functionality relating to a financial account of the user, the processing portion: (1) inputting data related to the financial account from at least one of the user and from the bank processing system; (2) inputting a command related to the data; (3) performing processing on the data in response to the command; and (4) outputting a result based on the processing performed, the result output to at least one of the user and the bank processing system.

Systems and methods for providing a mobile financial platform

Growing community of inventors

Mickleton, NJ, United States of America

Anil Jacob