Jpmorgan Chase Bank, N.a.

Donna M Barrett

Karen R Ehemann

Donald H Schmitt

Mary Carter Warren

George W Blossom

Kathleen H Witsil

Marc Fredman

Bradley R Strock

Ron E Jacobs

James C Steckart

Kimberly L Hoechst

Katrina Dowidchuck

Douglas A Filak

Nikhil Dhoble

Bryant R Barrera

Rafid A Zane

Paul D Magasiny

Slobodan Petkovich

Stephanie J Schrieber

Steven Fishman

Laura Yost

Kalpana Jayaraman

Brian Flanagan

Julia Cay

Corinne Bigelow

Matthew D Matheny

Systems and methods for determining whether a voice biometrics credential provides a reliable mechanism for authenticating a user are provided. The method includes receiving at least one set of voice data from the user; determining, based on the received at least one set of voice data, a value of at least one parameter that corresponds to a user-specific voice biometrics credential; obtaining at least one user-specific item of information; accessing at least one business rule that relates to the user; and determining, based on the at least one set of voice data, the at least one user-specific item of information, and the at least one business rule, whether the user-specific voice biometrics credential is usable for authenticating the user.

Method and system for integrating voice biometrics

The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

System and method for establishing or modifying an account with user selectable terms

Techniques for administering an account with a financial institution are disclosed. The financial institution may establish the account for the account holder. An account holder may execute purchase transactions using the account. A first and second affiliate may be associated with the account. Rewards information associated with the first affiliate may be calculated based on use of the account for purchase transactions. A compensation, to be provided by the financial institution to the second affiliate, may be calculated based on use of the account for purchase transactions.

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Wilmington, DE, United States of America

Donna M Barrett