Jpmorgan Chase Bank, N.a.

Jason Carlyle

Tu P Le

Howard Spector

Scott Hollis Ouellette

Allison Beer

Christina E Sheppard

Nicholas P Stumpos

Jaspreet Singh Sethi

Various methods, apparatuses, and media for processing a transaction are provided. A request to process the transaction is received. The request includes a plurality of pieces of transaction data. An initial contract is identified, based on at least a first piece of the transaction data, and loaded. The initial contract includes a plurality of mono-services, with each of the mono-services being a function literal that includes a defined input and output and being configured to implement exactly one piece of functionality. The initial contract is executed, with the mono-services being configured to return a result for responding to the request to process the transaction.

Configurable, reactive architecture framework for data stream manipulation at scale

System and methods for supporting legacy and tokenized transactions are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for selecting an electronic payment credential to communicate to a merchant, may include (1) an electronic wallet backend receiving a plurality of payment credentials associated with a payment account; (2) the electronic wallet backend receiving a credential capability for a merchant; (3) the electronic wallet backend selecting one of the payment credentials for a transaction with the merchant based on the credential capability; and (4) the electronic wallet backend communicating the selected payment credential to a point of transaction device for the merchant.

Systems and methods for supporting legacy and tokenized e-commerce

A system for and method of utilizing the low energy transmitter of a user device to communicate with a point-of-sale terminal in order to permit a consumer to conduct a purchase or other transaction with little or no interaction with the user device are disclosed. The system and method may also permit a purchase card processor to request additional levels of validation or authorization from the consumer in cases where the risk level of a transaction is high.

Using low energy beacons to enable a streamlined checkout process

Various methods, apparatuses, and media for processing a transaction are provided. A request to process the transaction is received. A plurality of pieces of transaction data is identified from the request. A contract provider that is configured to process the transaction is determined based on at least a first piece of the transaction data. A contract is loaded based on the contract provider. The contract includes at least one mono-service. The contract, including the at least one mono-service, is executed. Each of the at least one mono-service is a function literal that includes a defined input and output. The input includes at least one of the plurality of pieces of transaction data. The at least one mono-service is configured to return a result of the processing of the transaction.

Growing community of inventors

Chicago, IL, United States of America

Jason Carlyle