Jpmorgan Chase Bank, N.a.

Gavin C Michael

Abhijit Bose

Howard Spector

Shadman Zafar

Kelly L Dempski

Sih Lee

Scott Hollis Ouellette

Brian J Smyth

Constantin Gonciulea

Christina E Sheppard

Michael Lewis

Andrew Sloper

Jason Troy Penshorn

Laura X Wang

Tim J Parsey

Ken Wimberely

Benjamin Schulte

Matthew Lightman

Vijay Pappu

John Maiden

According to an embodiment of the present invention, an automated computer implemented method and system for providing targeted content in real-time comprises a web and application server that identifies one or more user interactions from a user on a website hosted by an entity; a processor that receives the one or more user interactions and converts the one or more user interactions into one or more real-time attributes; and an engine that identifies customized content for the user from a remote processor, adjusts the customized content based on the one or more real-time attributes, and generates an output comprising the customized content for display on the website for the user in real-time.

Method and system for delivering real-time personalization across a distributed, modular network architecture

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

Systems and methods for generating an affinity graph are disclosed. According to one embodiment, a method may include (1) receiving customer data for a plurality of customers and merchant data for a plurality of merchants; (2) generating an initial customer table for each customer from the customer data; (3) generating an initial merchant table for each merchant from the merchant data; (4) receiving transaction data from a plurality of sources; (5) enhancing the initial customer tables and the initial merchant tables; (7) associating each customer and each merchant with at least one attribute based on the enhanced customer tables and the enhanced merchant tables; (8) determining an attribute score for each attribute; and (9) determining an affinity for one of the plurality of customers based on the attribute score for an attribute that is common to the one customer and another one of the plurality of customers.

Systems and methods for generating an affinity graph

Growing community of inventors

New York, NY, United States of America

Gavin C Michael