Jpmorgan Chase Bank, N.a.

Michael Naggar

Ayman A Hammad

Scott Hollis Ouellette

Howard Spector

Tuan Q Dao

Shadman Zafar

Robert M Soulchin

John D Moore

Eric L Connolly

Nancy E Hiebler

Nasir Khan

Michael K O'Leary

Venkat Maranani

Venkata Maranani

Systems, methods, and devices for integrating a first party service into a second party computer application are disclosed. In one embodiment, in a financial institution comprising at least one computer processor, a method for integrating a financial services payment service into a merchant computer application may include (1) receiving customer electronic device information from a customer electronic device using a first communication channel; (2) transmitting a passcode to the customer electronic device using a second communication channel; (3) receiving the passcode from the customer electronic device over the first communication channel; (4) sending a session identifier to electronic device over first communication channel; (5) receiving the session identifier from a merchant host; and (6) sending an authentication value to a merchant host. The merchant host may provide the authentication value to the customer electronic device.

Systems, methods, and devices for integrating a first party service into a second party computer application

Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Systems and methods for mobile wallet payments

Systems and methods for secure mobile transactions are disclosed. A method for conducting a transaction may include an issuer receiving, over a first network and from a customer mobile device, authentication information and mobile device location information; the issuer authenticating the customer, generating a transaction session identifier, and communicating the transaction session identifier to the mobile device over the first network; the issuer communicating, over a second network, the transaction session identifier and payment device information to an acquirer; the acquirer receiving, from the merchant, the transaction session identifier from the computer application, location information a merchant point of transaction, and transaction information; the acquirer generating a transaction authorization request including payment device information and the transaction information and communicating the request to the issuer portion over the second network; and the issuer authorizing the transaction authorization request. The issuer and acquirer may be under common control.

Systems and methods for secure mobile transactions

Systems and methods for enhanced shopping using a mobile device are disclosed. In one embodiment, a method for enhanced shopping using a mobile device may include (1) a mobile application executed by a mobile electronic device associating with a merchant system, the mobile electronic device comprising at least one computer processor, a memory, an optical input, and a display; (2) the mobile application receiving an item identifier associated with an item; (3) the mobile application receiving item data for the item from the merchant system based on the item identifier; (4) the mobile application receiving purchase confirmation for the item; and (5) the mobile application communicating payment information for the item to the merchant system.

Systems and methods for enhanced shopping using a mobile device

Systems and methods for associating a mobile device with a point of sale terminal are disclosed. In one embodiment, a system for establishing a communication link between a mobile electronic device and a point of sale device may include a point of sale device comprising at least one computer processor, a memory, and a display that displays a machine readable code, the machine-readable code comprising a communication protocol for communicating with the point of sale device; a mobile electronic device comprising at least one computer processor, a memory, and a display; and an application executed by a mobile electronic device that receives a machine-readable code that is displayed by a point of sale device and establishes a communication link between the mobile electronic device and the point of sale device according to the communication protocol.

Systems and methods for associating a mobile device with a point of sale terminal

Growing community of inventors

Orinda, CA, United States of America

Michael Naggar