Jpmorgan Chase Bank, N.a.

David Christopher Carey

Raghuram Vudathu

Sridhar Aravamudhan

Howard Spector

Shruti K Patel

Sudheendra Ayyalasomayajula

Michael Polise

Pavan Mummareddi

Julia Elyasheva

Jonathan Rosner

Janice Yoke Leng Wong

Kelly Patrick Ernst

Rajat Tandon

Cameron Boucher

Tuan Q Dao

Gayathri Sundar

Indeevara H De Silva

Craig M Mullaney

Shuchi Patel

Mizan Miah

Benjamin Brandt

Sangameswara Rao Panchomarthi

Alwin M Thomas

Ishank Paharia

Eric L Connolly

Ashok Reddy

Mervin Majella Felix

Amit Rajwani

Ankur Kulshreshtha

Syed Rizwan Ali

Anishkumar C Patel

Kristie Isom

Rajeev Kumar Balasubramanian

Brian P Dunphe

John Robert Clem

Deepak Joshi

Daniel Patterson

Edgar A Verchot, Iii

Ruchi Ashok Saini

Jason M Deitcher

Kiana Harris

Marc Frattarelli

Gerardo Gean

Daniel Kim

Joshua Rosenthal

Brandon Tran

Ajith Chandran Karuvathil

Arun Neelan

Konstandina Demerell

Rajini Kakarla

Rajeeva Chandra Nagarakanti

Sanjay Patel

Venkata Kunam

Systems, methods, and devices for provisioning funding card numbers to merchant wallets are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for provisioning funding card numbers to third party wallets may include: (1) authenticating a customer using an electronic device; (2) redirecting the customer to a third-party website; (3) receiving, from the third-party website and via a first API, a request for funding primary account numbers (FPANs) associated with the customer; (4) providing the third-party website with a plurality of FPAN identifiers for FPANs associated with the customer; (5) receiving, from the third-party website and via a second API, a request for a FPAN associated with a selected FPAN identifier; (6) encrypting the FPAN associated with the selected FPAN identifier; and (7) communicating the encrypted FPAN to the third-party website.

Systems and methods for provisioning funding card numbers to third party wallets

Systems and methods for payment token provisioning with variable risk evaluation are disclosed. In one embodiment, a method may include: an issuer backend: (1) receiving, from an electronic wallet application, a payload comprising an identification of a card to be provisioned to the mobile electronic device; (2) determining that the card is eligible for provisioning to the mobile electronic device; (3) generating a card payload and communicating the card payload to the payment network, wherein the payment network creates a payment token for the card comprising payment token origin information; (4) receiving the payment token from the payment network and generating a risk profile for the payment token; and (5) activating the payment token in response to the validation.

Systems and methods for payment token provisioning with variable risk evaluation

Systems, methods, and devices for payment product verification and authorization using a customer identifier are disclosed. In some aspects, techniques described herein relate to receiving, by a payment product provider and from a payment processor, a customer identifier; querying a datastore of customers of the payment product provider with a parameterized query, where the customer identifier is a parameter of the query; determining, based on the query, that the customer identifier is associated with customer profile data of the payment product provider; determining payment product data associated with the customer profile data; returning, by the payment product provider and to the payment processor, a positive eligibility indication based on the customer profile data and the payment product data; receiving, by the payment product provider and from the payment processor, a customer approval indication; and sending, by the payment product provider and to the payment processor, the payment product data.

Systems and methods for payment product verification and authorization using a customer identifier

A mobile computer application may (1) access a financial institution mobile application to determine if there is an account that is eligible for provisioning to the mobile computer application; (2) initiate a secure session with the financial institution backend in response to a determination that there is an account eligible for provisioning to the mobile computer application; (3) request an identification of an account that is eligible for provisioning to the mobile computer application from the financial institution backend; (4) receive a pointer to an account that is eligible for provisioning to the mobile computer application from the financial institution backend; (5) display an icon for the eligible account; (6) receive a selection of the icon; (7) return the pointer to the financial institution backend; (8) receive a provisioning payload for the eligible account from the financial institution backend; and (9) initiate in-application provisioning of the eligible account.

Systems and methods for deterministically linking mobile applications

A method for providing an offer to a potential recipient is provided. The method includes obtaining first information, such as demographic information and/or shopping history information, that relates to the potential recipient; assigning a respective value to each of a plurality of first parameters based on the first information; assigning a respective value to each of a plurality of second parameters based on second information that relates to the offer; determining a composite score based on the assigned first parameter values and the assigned second parameter values; and determining, based on the composite score, whether to provide the offer to the potential recipient.

Method and system for offer targeting

Systems and methods for using a cryptogram lockbox are disclosed. In one embodiment, in a merchant-specific cryptogram lockbox comprising at least one computer processor, a method for generating a cryptogram locally using a cryptogram lockbox may include: (1) receiving, from merchant backend, a request for a cryptogram comprising an account identifier received from a customer in a transaction; (2) generating a cryptogram for the account identifier using a limited use key for the account identifier; and (3) returning the cryptogram to the merchant backend. The merchant may conduct the transaction using the cryptogram.

Systems and methods for using a cryptogram lockbox

Various methods, apparatuses/systems, and media for implementing a standalone application module are disclosed. A configuration database stores information about one or more infrastructure resources. A receiver receives a request to connect to an infrastructure resource. A processor accesses the configuration database to fetch information about the infrastructure resource; accesses one or more external resource databases to fetch infrastructure resources that are required to run an application; dynamically creates the infrastructure resources accessed from the one or more external resource databases: and establishes and maintains a connection to the dynamically created infrastructure resources required by the application to function running in background in a user's system.

System and method for implementing a standalone application module

An embodiment of the present invention is directed to a Temporal CVV2 of CVV, which may be represented as a temporary three digit number generated using unique credentials associated with a card product. According to an embodiment of the present invention, the Temporal CVV2 may be generated for each transaction request or other defined set of transactions based on one or more factors, including time period/limit, usage, fraud/risk considerations. With this solution, a customer may request a new Temporal CVV2 each time a purchase is initiated. This may include online purchases, e-commerce transactions, manual link and provision requests, customer authentication for servicing channels, etc. An embodiment of the present invention seeks to mitigate risk and provide a safer and secure solution for customers while providing flexibility to make various purchases before a new card arrives.

System and method for providing temporal card verification value (CVV) for secure online transaction processing

Various methods, apparatuses/systems, and media for implementing a functional documentation module are disclosed. A repository stores a list of URLs corresponding to one or more applications and a list independently executable programming languages for running an application. A receiver receives a request for creating a new URL. A processor causes a GUI to display selectable URLs from the list of URLs, selectable components from the list of independently executable programing languages, and a functional documentation; creates the new URL by selecting one or more desired URLs from the selectable URLs based on analyzing the functional documentation; independently tests only the created new URL for running the application without testing the selectable URLs and their underlying components; and updates the repository with the new URL based on a positive test result.

System and method for implementing a functional documentation module

Systems and methods for conducting person to person (P2P) transactions using points are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for person-to-person reward points gifting may include: (1) receiving, from a bank customer, a request to issue a reward points gift to a gift recipient, the request identifying gift recipient contact information for the gift recipient and a reward points amount; (2) sending a notification to the gift recipient contact information for the gift recipient to log in a gift recipient account to redeem the reward points gift; and (3) transferring the reward points amount to a gift recipient reward points account.

Systems and methods for conducting person to person transactions using reward points

Systems and methods for gamification-based engagement are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for gamification-based engagement, may include: (1) receiving, from a plurality of data sources, customer activity data comprising customer behavioral data and customer transactional data for a plurality of customers; (2) generating a dynamic customer profile for each of the customers based on the customer activity data and the customer transactional data; (3) retrieving challenge data for a challenge comprising an identification of a plurality of tasks to be completed, an order in which the tasks are to be completed, and an incentive for completing the tasks; (4) dynamically matching one of the customers to the challenge; (5) issuing the challenge to the customer; (6) tracking the customer's response to the challenge; and (7) updating the customer's dynamic customer profile based on the customer's response.

Systems and methods for gamification-based engagement

Systems and methods for token vault synchronization using a distributed ledger are disclosed. In one embodiment, in a distributed token ledger network comprising a plurality of nodes, each node associated with a token ledger and comprising at least one computer processor, a method for token vault synchronization using a distributed ledger may include: (1) a node receiving a lifecycle event for a payment token; (2) the node writing the lifecycle event to a token ledger for the node; (3) committing the lifecycle event to the distributed token ledger after the plurality of nodes in the distributed token ledger agree to committal; (4) a watcher at the node detecting the commitment of the lifecycle event to the distributed token ledger; and (5) the watcher communicating the lifecycle event to a non-node participant.

Systems and methods for token vault synchronization using a distributed ledger

Growing community of inventors

Middletown, DE, United States of America

David Christopher Carey