Jpmorgan Chase Bank, N.a.

Julia Elyasheva

David Christopher Carey

James Perry White, Iii

Eric Han Kai Chang

Raghuram Vudathu

Craig M Mullaney

Shuchi Patel

Sridhar Aravamudhan

Alwin M Thomas

Noor Shadid

John Robert Clem

Mark Wagner

Edgar A Verchot, Iii

Gerardo Gean

Konstandina Demerell

Sanjay Patel

Kristie Isom

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 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 efficiently conducting a commercial transaction involving a gratuity are provided. The systems and methods enable users to set tipping preferences in advance so as to be applied automatically during subsequent commercial transactions.

System for and method of automated tipping during commercial transactions

Growing community of inventors

Woodmere, NY, United States of America

Julia Elyasheva