Jpmorgan Chase Bank, N.a.

Howard Spector

Scott Hollis Ouellette

Tuan Q Dao

Allison Beer

Brian J Smyth

Craig M Mullaney

Dave Carey

Ralph Darmo

Pavan Mummareddi

Ayman A Hammad

Vincent R D'Agostino

Jeremy F Bennett

Christina E Sheppard

Hugh Tamassia

Dennis Bowers

Rod Bachelor

Joseph William Stanish

Reetika Grewal

Russ Mahy

Sherry Ann Allen

Dan Poswolsky

James Perry White, Iii

David Christopher Carey

Eric Han Kai Chang

Raghuram Vudathu

William F Mann, Iii

Mizan Miah

Jasbir Banga

Sangameswara Rao Panchomarthi

Winter P Ng

Brent Samuels

Eric L Connolly

Vimal Brahmbhatt

Ashok Reddy

Ishank Paharia

Shadman Zafar

Kelly L Dempski

Sih Lee

Gayathri Sundar

Devin C Moore

Raghu Vudathu

Michael Naggar

Anupam Arora

John D Moore

Stanley M DeVan, Jr

Gavin C Michael

Andrew Sloper

Jason Carlyle

Andrew Grignon

Michael S Hartman

Rajitha Dissanayake

Seth M Goldkrantz

Peter G Costanzo

Pio Abate

Tu P Le

Nancy E Hiebler

Gerald Francis Barks, Iii

Christopher Choi

Meena Pinto

Jeffrey E Miller

Hallie Huggins

Soumyajit Ghosh

Tim J Parsey

Krishna K Bhagavatula

Kim Tate

Syed Rizwan Ali

Ken Wimberely

Brent J Bahnub

Laura X Wang

Vishnuvardhan Pondugula

Arun Subramanian

David G Seeney

Indeevara H De Silva

Ryan Andrew Schlosser

Sridhar Aravamudhan

Tayo Ibikunle

Sunil Mathur

Neil O'Donnell

Reetu Raj Bok

Benjamin Brandt

Timothy Lorenz

Benjamin Sokol

Timothy Ludwig

Mervin Majella Felix

Donald B Roberts

Sara Sindelar

Dylan Muhlstock

Liang Zhou

Amit Rajwani

Ankur Kulshreshtha

Eric-Andre Vigroux

John L Oliver, Iii

Yunchul Bryan Jeon

Ramin Koch

Mathieu Cliche

Yihui Tang

Rebecca Setting

Venkat Maranani

Jordan Butler

Rajini Kakarla

Systems and methods for homomorphic encryption-based triggering are disclosed. According to an embodiment, a method for homomorphic encryption-based triggering may include: (1) receiving, by a backend computer program executed by a backend electronic device and from a computer program for a client, a trigger condition for an event, the trigger condition encrypted with a public key for an organization and an action to be executed in response to the trigger condition being met; (2) receiving, by the backend computer program, a stream of data encrypted with the public key; (3) comparing, by the backend computer program, the encrypted trigger condition to the encrypted stream of data; (4) determining, by the backend computer program, that the trigger condition is met; and (5) executing, by the backend computer program, the action associated with the trigger condition.

Systems and methods for homomorphic encryption-based triggering

The invention relates to a computer-implemented system and method for receiving at a business an electronic person to business (P2B) payment from an individual. The method may comprise the steps of contacting an individual having a demand deposit account (DDA) to request the P2B payment in an amount that is due to the business; providing a designated electronic address for the business for receiving the P2B payment; identifying a reference number that is associated with the P2B payment; requesting the individual to use a P2B payment server to make the P2B payment from the individual's DDA account to the designated electronic address, wherein the P2B payment is associated with the reference number; monitoring the P2B payment server in real time to confirm receipt of the P2B payment; and using the reference number to apply the received P2B payment to the amount that is due to the business.

Person to business payment system and method

Systems and methods for visualizing and analyzing operational interactions of microservices are disclosed. A method for visualizing operational interactions of microservices may include: (1) calling, by a source microservice, a target microservice with a request, both the source microservice and the target microservice being in a plurality of microservices; (2) logging, by the source microservice, an event; (3) recording, by a blockchain building program, the event to a blockchain as a table and as an index; (4) receiving, by a microservices tracing computer program, the request; (5) processing, by the target microservice, the request with a tracer; (6) returning, by the target microservice, a microservice identity for the target microservice with requested data; (7) logging, by the microservices tracing computer program, the requested data using the tracer; and (8) generating, by the microservices tracing computer program, a visualization of microservice interactions from the requested data.

Systems and method for visualizing and analyzing operational interactions of microservices

Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.

Systems and methods for digital identity verification

Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.

Systems and methods for activating and using dynamic cards

Systems and methods for using display-enabled transaction cards are disclosed. A display-enabled transaction card may include: a substrate; a display on the substrate; an interface that may be configured to receive a card feature to display on the display; and a controller that may be configured to display the card feature on the display. A method may include: (1) receiving, by a controller of a display-enabled transaction card and via an interface on the display-enabled transaction card, a card feature, wherein the card feature may include card art, a reward status, or an account status; and (2) displaying, on a display of the display-enabled transaction card, the card feature.

Systems and methods for using display-enabled transaction cards

A method for local data storage governance may include: authenticating, by a privacy service computer program, a user accessing the privacy service using a privacy application; receiving, by the privacy service computer program and from a proxy service, user activity data; saving, by the privacy service computer program, the user activity data to a privacy database; receiving, by the privacy service computer program and from the privacy application, a request for the user activity data; retrieving, by the privacy service computer program and from the privacy database, the user activity data; communicating, by the privacy service computer program, the user activity data to the privacy application, wherein the privacy application stores the user activity data in local storage; receiving, by the privacy service computer program, an acknowledgement of the user activity data; and purging, by the privacy service computer program, the user activity data from the privacy database.

Systems and methods for local data storage

In some aspects, the techniques described herein relate to a method including: providing a host application that provides a native service of a host organization to an end user of the application, and wherein the application integrates and provides an augmented reality service of a third party to the end user of the application; determining, by the data center of the host organization, a location-relevant incentive offer based on location telemetry data; sending the location-relevant incentive offer to a data center of the third party; monitoring, by the data center of the third party, the physical location of the end user; sending to the augmented reality service, the location-relevant incentive offer; and presenting, by the augmented reality service and to the end user via the application, the location-relevant incentive offer when the end user is within a predefined proximity to a vendor associated with the location-relevant incentive offer.

Systems and methods for third-party service integration in an application

Systems and methods for using device data to validate a mobile user are disclosed. In accordance with aspects, a method may include receiving, at a backend processing infrastructure of a third party and from a backend processing infrastructure of a mobile application provider, a first copy of location information and an IP address, wherein the location information and the IP address are associated with a mobile device; receiving, at the backend processing infrastructure of the third party and from a mobile application provided by the third party, a second copy of the location information and the IP address, wherein the mobile application provided by the third party is executed on the mobile device; and verifying, by the backend processing infrastructure of the third party, that the first copy of the location information and the IP address matches the second copy of the location information and the IP address.

Systems and methods for verified communication between mobile applications

Systems and methods for establishing trust between a conventional mobile application and a micro application are disclosed. In accordance with aspects, a method may include authenticating user credentials with a backend processing infrastructure of a provider of a mobile application, wherein the authenticating generates session information; receiving, at the mobile application, a uniform resource identifier (URI), wherein the URI includes the session information as a parameter of the URI; receiving, at the mobile application, a user-activation of the URI; receiving, at the backend processing infrastructure of the provider of the mobile application and from a backend processing infrastructure of a third party, the session information; verifying, by the backend processing infrastructure of the provider of the mobile application the session information; and sending, by the backend processing infrastructure of the provider of the mobile application and to the backend processing infrastructure of the third party, requested user information.

Systems and methods for protection of data across multiple users and devices are disclosed. According to one embodiment, in privacy server comprising at least one computer processor, a method for protection of data across multiple users and devices may include: (1) receiving, from a first user device, a data sharing permission for the first user device and a data sharing permission for a second user device, the first user device and the second user device associated with the same user; (2) provisioning the data sharing permission for the second user device; and (3) communicating the provisioned data sharing permission to the second user device, wherein the second user device shares data with the first user device according to the provisioned data sharing permission.

Systems and methods for protection of data across multiple users and devices

A method for verifying origin of request for payments may include a financial institution computer program: receiving a request for a payment URL from a merchant, the payment URL provided for a transaction with a customer; generating the payment URL, wherein the payment URL comprises a pointer to a network location for the financial institution; providing the payment URL to a customer electronic device; receiving, from the customer electronic device and at a browsed URL, a stored or pinned certificate of domain for the payment URL; (5) comparing the stored or pinned certificate of domain for the payment URL to a certificate of domain for the browsed URL; presenting a payment page in response to a match; and returning an error in response to a mismatch.

Systems and methods of verifying origin of request for payment

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

Systems and methods for dynamic inclusion of enhanced data in transactions are disclosed. According to another embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a mobile wallet payment with dynamic enhanced data using a mobile payment application may include: (1) receiving, from a merchant point of transaction device, a transaction request from a mobile payment application executed by a mobile electronic device, the transaction request comprising a unique identifier for a financial instrument provisioned to a mobile wallet computer application and a payment option selection; and (2) processing the transaction request according to the payment option selection.

Systems and methods for dynamic inclusion of enhanced data in transactions

Growing community of inventors

Woolwich, NJ, United States of America

Howard Spector