Jpmorgan Chase Bank, N.a.

Brian S Gantert

Joseph Arnone

Richard W McMillen

Manning R Field

Nicholas M LoRe

Daryl Wooldridge

Heather Spinnenweber

Anil Jacob

Brent Samuels

Sanjay Durgadin

Methods, non-transitory computer readable media, and transaction management computing devices that assist with processing a transaction involving a merchant and a user using a system include receiving over at least one communication channel an indication of a user transaction. Location information indicating a location of the user transaction or merchant information indicating a merchant involved in the user transaction is determined. A first attribute package and a first payment format is identified and communicated to the client device. The user transaction is initiated upon receiving a confirmation indicating selection of the identified first payment format and the identified first attribute package. The user transaction is held open for a predetermined period of time to allow the user to modify the selected first payment format or the selected first attribute package for the user transaction to a different attribute package or a different payment format.

Intelligent payment format and attribute package transaction processing

The invention provides systems and methods directed to a user device that provides an IA (interface assistance) visual displayed on the user device, the user device including a computer processor operably connected to a non-transitory memory portion, the user device for use by a human user. The user device comprising (1) the computer processor; (2) the memory portion; (3) a communication element; (4) an electronic visual display; (5) a payment portion integrated with the computer processor, the payment portion performs payment processing; (6) an IA (interface assistance) portion integrated with the computer processor, the IA portion providing assistance in conjunction with performing a financial transaction using the user device, the IA portion performing processing including: (a) inputting a request for interface assistance; (b) performing processing based on the request to determine an IA (interface assistance) visual, content of the IA visual related to the communication element of the user device; and (c) outputting the IA visual to the electronic visual display of the user device; and (7) the electronic visual display displaying the IA visual in such manner that the IA visual is observable by the user, the content of the displayed IA visual being correlated with the physical position of the communication element in the user device.

Systems and methods for performing payment interface

Systems and methods for leveraging micro-location devices for improved travel awareness are disclosed. In one embodiment, a system for performing a location-based action in a network of micro-location devices may include a plurality of micro-location devices, each micro-location devices associated with a unique identifier and a location, each of the plurality of micro-location devices transmitting a signal comprising its associated unique identifier; a backend in communication with a database, the database storing the unique identifier and location associated with each of the micro-location devices; and a mobile device that receives a signal comprising a unique identifier from one of the plurality of micro-location devices and communicates the unique identifier to the backend. The backend may determine a mobile device location based on the unique identifier received from the mobile device and may perform an action based on the mobile device location.

Systems and methods for leveraging micro-location devices for improved travel awareness

The invention relates to a computer-implemented system and method for sending a person to person (P2P) payment to a recipient, according to one example. The method may be conducted on a specially programmed computer system comprising one or more computer processors, mobile devices, electronic storage devices, and networks. The method may comprise the steps of: sending to the recipient electronically a notification of the payment from the sender, the notification including an amount of the payment; sending to the recipient electronically an indication of at least two of the following payment options: payment to a deposit account, payment to a transaction card account, payment to a third party P2P system, and payment in the form of a merchant electronic gift certificate; receiving from the recipient electronically a selection as to one of the payment options, including: (a) in the case of a deposit account, a routing number and account number, (b) in the case of a transaction card account, a card number, expiration date, and a card verification value (CVV), (c) in the case of a third party P2P system, an account identifier, or (d) in the case of a merchant electronic gift certificate, the merchant; and sending the payment electronically to the recipient via the recipient's selected payment option without requiring the recipient to open a new account or verify an existing account.

Person to person payment system and method

In one embodiment, a method includes receiving an indication that a user has initiated a transaction and determining whether location information identifying a location of the transaction was received. A first attribute package of a plurality of attribute packages of the user may be identified based on customized rules and, if received, based on the location information. An identification of the first attribute package may be sent to the user's client system as a recommended payment attribute package for processing the transaction. In response to the identification of the first attribute package, the transaction may be opened, and a payment attribute package for the transaction may be set to the first attribute package. The transaction may be held open for a predetermined period of time to allow the user to modify the payment attribute package for the transaction to a different attribute package.

Processing transactions using convertible optimized attribute packages

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.

Growing community of inventors

Hockessin, DE, United States of America

Brian S Gantert