Jpmorgan Chase Bank, N.a.

Manning R Field

Marcia Keld

Walter Brent Reinhard

Ajinkya P Joglekar

Joy Lynn Koppenhaver

Ryan Alan Jacoby

Heather Margaret Emerson

James Samuel Moed

Ian Michael Groulx

Jennifer C McGarry

Frank Cawley Dragotta

Maria Teresita Vicente

Kevin Dame

Satyan Ranganath

Stan Szwalbenest

Maura Rose

Ryan McInerney

Joseph Arnone

Brian S Gantert

Anil Jacob

Matthew Michael Kane

Mical Jeanlys

Lionel Nicolau

Neil I Seideman

An interaction account management method includes defining a financial network for an account holder, the financial network including at least the account holder and a financial advisor, wherein the financial advisor is associated with the financial institution. The method also includes storing financial account information associated with the account holder in a database, the account holder information including information input by the account holder relating to at least one financing plan. The method further includes accessing the stored account holder information, generating two or more payment options associated with the at least one financing plan based at least in part on the account holder information, receiving a recommendation over the network from the financial advisor, the recommendation relating to the at least one payment option, and displaying, on a user interface associated with a user device, the two or more payment options and recommendation.

Interactive account management system and method

Systems and methods for presenting an offer to a customer are disclosed. In one embodiment, a method may include (1) a computer application executed by an electronic device comprising a computer processor receiving a selection of a financing offer from a customer; (2) the computer application receiving, from a back end server, an identification of at least one transaction conducted with a financial instrument that is eligible for the financing offer; (3) the computer application presenting the customer with the at least one eligible transaction; (4) the computer application receiving a selection of one of the at least one eligible transactions; (5) the computer application presenting the customer with at least one option associated with the financing offer; (6) the computer application receiving a selection of one of the options; and (7) the computer application communicating the selection of the transaction and the option to the back end server.

System and method for applying benefits to transactions

The invention relates to a mobile device that makes payment for items without having to physically interact with a cashier terminal, the mobile device comprising: a memory that stores data associated with an account and a user; a microprocessor, coupled to the memory, programmed to perform the following: detect the mobile device entering a merchant location; activate a precheck feature on the mobile device upon the mobile device entering a merchant location; identify one or more items for checkout based on a sensor corresponding to each item; calculate a total amount for the one or more items; automatically initiate a charge for the total amount when the mobile device departs the merchant location; and deduct the total amount of the charge from a funding source.

System and method for implementing payment with a mobile payment device

The invention relates to a digital card comprising: a memory that stores data associated with an account and a user; a sensor that detects a user's fingerprint to identify the user; a display on the digital card that displays an identification associated with the user and a card number upon activation of the digital card responsive to the user's fingerprint; a microprocessor, coupled to the memory, sensor and the display, programmed to perform the following: monitor spend activity on the digital card; determine the user's credit worthiness based at least in part on the monitored spend activity; and automatically update the display on the digital card responsive to the user's credit worthiness and spend activity.

System and method for increasing credit worthiness of account holders

The invention relates to a computer-implemented system and method for providing travel information to a customer of a business such as a financial institution, according to one example. The method may comprise the steps of: acquiring customer profile data, acquiring customer location data, acquiring merchant location data within an airport, acquiring flight status data; acquiring product availability data; transmitting a first data set to the customer's mobile device after the customer arrives at the airport providing a departure time for the flight and a travel time period from a current location of the customer to a location of a departure gate; transmitting a second data set identifying amenities located along a route from the customer's current location to the departure gate, wherein the amenities are identified based on the customer profile data; and transmitting a third data set to the customer's mobile device comprising merchant product availability information and an invitation for the customer to order the product before arriving at the merchant.

System, method, and computer readable medium for providing travel assistance

The invention relates to a computer-implemented system and method for loyalty integration to facilitate redemption of rewards using a mobile device. According to an embodiment of the present invention, a system and method comprise the steps of: connecting a merchant app, associated with a merchant, with a funding source associated with a financial institution, wherein the merchant app provides a merchant program to the user; identifying a number of points for conversion to stored value on the merchant app; converting the number of points to a stored value amount on the merchant app; loading the merchant app with the stored value; and responsive to a user request on the merchant app, performing a payment transaction for a purchase using the converted stored value.

System and method for loyalty integration for merchant specific digital wallets

Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

The invention relates to a mobile device that enables a user to send a digital tip to a recipient as a standalone transaction, the mobile device comprising: a memory that stores data associated with an account and a user; a microprocessor, executing a mobile application, the processor coupled to memory and programmed to: identify whether the mobile device is near a service provider based on a geofence (or other boundary); display a prompt on the mobile device to send a tip to a mobile device of the service provider in response to the mobile device's proximity to the service provider and a prior service interaction which is independent of an underlying transaction; transmit a tip message informing the service provider of the tip and debit an amount of the tip from an account associated with a consumer.

System and method for implementing a digital tipping application on a mobile device

A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories. The fraud prevention system may also include at least one computer processor programmed for detecting occurrence of the account-related events, accessing the system settings and user settings in the computer memory to determine if a fraud prevention action is required in response to the detected account-related event, activating a fraud prevention user interface for the user when fraud prevention action is required, and receiving user instructions through the fraud prevention interface and processing the user instructions.

Mobile fraud prevention system and method

Systems and methods for intelligent gift registries are disclosed. In one embodiment, a method for using an intelligent gift registry may include: (1) receiving, from a gift receiver, an identification of at least one gift receiver interest; (2) receiving, from a gift giver, an identification of at least one gift giver interest; (3) at least one computer processor generating a gift giving suggestion list comprising at least one gift giving suggestion and based on the at least one gift receiver interest and the at least one gift giver interest; (4) providing, to the gift giver, the gift suggestion list; and (5) receiving, from one of the gift giver, a gift selection.

System and method for intelligent gift registry

The invention relates to a computer-implemented system and method for enabling the use of rewards cash or points with a mobile device at a merchant's point of sale device, according to one example. The method may comprise the steps of: acquiring information about the location of a mobile device of an account holder; sending information to the mobile device identifying one or more nearby merchants at which the account holder is able to make a payment with the mobile device using a rewards currency associated with an account of the account holder; sending to the mobile device an available rewards currency amount that can be applied to a purchase; receiving a selected rewards currency amount that the account holder elects to apply to the purchase; and initiating a generation of an electronic payment signal by the mobile device for the total purchase amount.

System and method for payment with rewards currency at the point of sale

Systems and methods for enhanced dining experiences, and other experiences, using a mobile device are disclosed. In one embodiment, the system (1) monitors providing at least one good or service to the customer during the event; the system (2) performing processing to determine cardless payment feature availability including: (a) determining a probable spend of the customer for the event; (b) determining a probable spend acceptable threshold (PSAT) for the event; (c) comparing the probable spend of the customer versus the PSAT, and based on such comparing, determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer; the system (3) generating an invoice; (4) transmitting the invoice to the customer's messaging address; (5) receiving, over the at least one network, an approval for the invoice; and the system () charging the customer's account.

Systems and methods for enhanced dining and other experiences using a mobile device

The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

Adaptive and customizable account interface system and method

The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools in order to formulate the user interface display of related account parameters. User interface presentation components may be provided for presenting the account holder with a user interface display of account parameters and the account holder customization tools for allowing the account holders to modify the presented user interface display.

Growing community of inventors

Media, PA, United States of America

Manning R Field