Jpmorgan Chase Bank, N.a.

Traffic.com, Inc.

Here Global B.v.

Navteq B.v.

Brian J Smyth

Howard Spector

Robert M Soulchin

Gregory A Auxer

Scott Hollis Ouellette

Jonathan K Agree

Vincent R D'Agostino

Hugh Tamassia

James F Carroll, I

Sherry Ann Allen

Dan Poswolsky

Russ Mahy

Joseph William Stanish

Reetika Grewal

Michal Balcerzak

Christopher D Cera

Brent R Matzelle

John B Grubner, Iii

Eric R Smith

Shadman Zafar

Kelly L Dempski

Sih Lee

Christina E Sheppard

Dennis Bowers

Andrew Sloper

Gavin C Michael

Kim Tate

Tim J Parsey

Ken Wimberely

Laura X Wang

Gerald Francis Barks, Iii

Nicholas J DiPatri

Joseph R Sawyer

Drew A Bittenbender

Robert A Dengler

Michael S Raber

Joseph A Reed

Jonathon K Agree

David Harrod

Mehul Jani

Kunjithapatham Muthuvelayutham

Systems and methods for facilitating payment application provisioning and transacting are disclosed. According to one embodiment, a method for provisioning a token to a third party payment application on a mobile device may include (1) receiving a logon from a customer using a mobile application for a financial institution executed on a mobile device and a device identifier for the mobile device; (2) receiving a request to provision a token for a third party payment application; (3) authenticating the customer using the logon information and the device identifier; (4) provisioning a token for a payment device associated with the customer; and (5) providing the token to the third party payment application for transaction processing.

Systems and methods for facilitating payment application provisioning and transacting

An embodiment of the present invention is directed to leveraging GPU farms for machine learning where the selection of data is self-service. The data may be cleansed based on a classification and automatically transferred to a cloud services platform. This allows an entity to leverage the commoditization of the GPU farms in the public cloud without exposing data into that cloud. Also, an entire creation of a ML instance may be fully managed by a business analyst, data scientist and/or other users and teams.

Method and system for implementing a cloud machine learning environment

Systems and methods for providing expedited promotions are disclosed. In one embodiment, a method may include (1) a financial institution server comprising at least one computer processor receiving, from a merchant, a transaction comprising an identification of a good or service, a customer financial instrument issued by the financial institution, and a promotion identifier; (2) the financial institution server retrieving a promotion associated with the promotion identifier; (3) the financial institution server approving the transaction with the financial instrument; and (4) the financial institution server automatically applying the promotion to the transaction.

Systems and methods for providing expedited promotions

The invention is directed to a wallet vault in communication with a financial payment network and a wallet in a customer device. Token information is generated and stored and corresponds to customer information and a payment product of the customer. The token information is output in an encrypted format from the wallet to a merchant website loaded on the customer device or a merchant application installed on the customer device, and then routed to the wallet vault. The token information may ultimately be routed to a financial entity to process the transaction. In such manner, a transaction may be authorized but the merchant does not receive the customer's unencrypted payment product information for such authorization.

Systems and methods for processing transactions using a wallet

The invention is directed to a wallet vault, in the form of a tangibly embodied processing machine, disposed in communication with a financial payment network and a wallet in a customer device. Token information is generated and stored and corresponds to a payment product of the customer. The token information is output from the customer device by the wallet, to a merchant POS system, and routed to the wallet vault. At the wallet vault, the token information is used to retrieve the customer's payment product information and then output by the wallet vault for approval by the appropriate financial entity. In such manner, a transaction may be authorized but the merchant does not receive the customer's payment product information for such authorization.

The invention provides a wallet vault, in the form of a tangibly embodied processing machine, disposed in communication with a financial payment network, the wallet vault comprising a communication portion and a processing portion. The processing portion may perform processing including storing token information of a customer and real credentials of the customer, the token information associated with the real credentials of the customer, the real credentials constituted by an account number of the customer; inputting the token information with transaction ID information from a processing entity in the financial network, the token information with transaction ID information generated by a merchant processing a transaction for the customer; associating the token information of the customer with the real credentials of the customer; and outputting the associated real credentials with the transaction ID information to the processing entity.

Traffic flow data representing traffic conditions on a road system is obtained. A user selects a start geographical location and an end geographical location. An animated flythrough 3D graphical map is then created and displayed beginning at the start geographical location and navigating toward the end geographical location. The traffic flow data is continuously displayed during the flythrough.

Data-driven 3D traffic views with the view based on user-selected start and end geographical locations

The invention provides a wallet vault, in the form of a tangibly embodied processing machine, disposed in communication with a financial payment network, the wallet vault comprising a communication portion that inputs and outputs information and a processing portion. The processing portion may perform processing including storing token information of a customer and real credentials of the customer, the token information associated with the real credentials of the customer, the real credentials constituted by an account number of the customer; inputting the token information with transaction ID information from a processing entity in the financial network, the token information with transaction ID information generated by a merchant processing a transaction for the customer; associating the token information of the customer with the real credentials of the customer; and outputting the associated real credentials with the transaction ID information to the processing entity in the financial network. The wallet vault may be associated with a wallet from which the transaction is initiated, and the wallet associated with the merchant.

A method for providing traffic incident information is disclosed. Selected images of a traffic incident are associated with corresponding traffic incident data. The combined information is provided to an end-user application, such as a navigation system, the Internet, and a television station. A user can obtain the combined traffic incident information from the end-user application and/or device to obtain a better understanding of the traffic incident.

Method for providing images of traffic incidents

A rating is calculated that represents the traffic conditions of a specified driving route. A driving route is specified that includes a plurality of different roads. The traffic conditions for each of the different roads of the driving route are obtained. A rating is then calculated for the driving route that is based on the traffic conditions for each of the different roads of the driving route.

Rating that represents the status along a specified driving route

An article of manufacture for displaying traffic flow data representing traffic conditions on a road system includes creating a graphical map of the road system which includes one or more segments. The status of each segment on the graphical map is determined such that the status of each segment corresponds to the traffic flow data associated with that segment. An animated traffic flow map of the road system is created by combining the graphical map and the status of each segment.

Displaying traffic flow data representing traffic conditions

A computer-implemented method of creating a virtual traffic network includes inputting map data representing a road system, inputting flow data related to traffic flow on the road system and integrating the map data and the flow data to produce a virtual traffic network representing traffic conditions on the road system.

Method of creating a virtual traffic network

Growing community of inventors

West Chester, PA, United States of America

Brian J Smyth