Jpmorgan Chase Bank, N.a.

Nicholas M LoRe

Alex Lieberman

Daryl Wooldridge

Courtney S Goodrich

Prashant B Desai

Parind S Poi

Joseph Arnone

Brian S Gantert

Heather Spinnenweber

Benjamin Sokol

Dinesh Babu Parthasarathi

Richard W McMillen

Sanjay Durgadin

Rakesh Balachandran Nair

Gowthamen Natarajan

Narayana N Venkata

Whittney Anne Levitt

Systems and methods for biometric payments are disclosed. In one embodiment, a method for conducting a biometric payment may include (1) receiving at a server and from an electronic device, transaction information comprising an identification of a good or service to purchase from a merchant and a biometric payment instruction from an individual that was captured by the electronic device; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account for the transaction from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant.

Systems and methods for biometric payments and authentication

Systems and methods for authentication using radio frequency tags are disclosed. In one embodiment, a method for approving a requested operation from a secondary user of a resource that is controlled by a primary user may include (1) a back end comprising at least one computer processor receiving, from a mobile application that is executed by a mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user; (2) the back end receiving a unique identifier from the secondary user mobile application, the unique identifier being read by the mobile application from a tag associated with the secondary user; (3) the back end determining that the received unique identifier matches a stored unique identifier that is associated with the secondary user; and (4) the back end approving the requested operation and communicating the approval to the secondary user mobile application.

Systems and methods for authentication using radio frequency tags

The invention relates to a computer-implemented system and method for authenticating a customer of a business. The method may include the steps of: receiving from the customer at least one item of identifying information; confirming the identity of the customer; generating a token that represents an active session in which the customer interacts with one or more systems or personnel at the business; conducting a first set of communications between the customer and a first system of the business; inquiring with the customer as to whether the customer desires to transfer the active session to a second system at the business or to a third party system; and transferring the active session using the token to the second system or the third party system. The method may also comprise the steps of retrieving background information on the customer to assist a representative of the business in assisting the customer.

Authentication system and method

Systems and methods for biometric payments are disclosed. In one embodiment, a method for biometric payments may include (1) receiving transaction information from a merchant terminal, the transaction information comprising an identification of a good or service to purchase and a biometric payment instruction; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant terminal.

Systems and methods for biometric payments

An embodiment of the present invention is directed to a code review tool. A system that implements a T24 code review tool comprises: a memory component; an interactive interface that receives one or more user inputs; a processor, coupled to the memory component and the interactive interface, the processor configured to perform the steps comprising: retrieve components of an application; initiate automated code review function for the components; identify code review comments prior to code compilation; display comments with severity for code review; and confirm and initiate code compilation process.

Method and system for implementing a code review tool

The invention relates to a token-based mobile payment device comprising: a memory component that stores tokens and corresponding token use data; an interactive display that receives user input and in response to the user input, displays output data; a processor, coupled to the memory component and the interactive display, configured to perform the steps of: request a token to be transmitted to one or more recipients; identify an amount for the token and one or more restrictions on use of the token; communicating, via a wireless communication network, the token to the one or more recipients; and tracking the token and providing active token use data, via the interactive display.

System and method for token based mobile payment

The invention relates to a customer interaction management system that comprises a memory that stores customer profile data and customer interaction data; a voice response input that receives a voice pattern from a customer; and a computer processor, coupled to the memory and the voice response input, programmed to: retrieve customer voice data from a current customer interaction via a voice channel; retrieve data from one or more other interactions via one or more other channels; compare customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer interactions; generate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice data and data from one or more other interactions; during the current customer interaction, update the customer score based on customer progress data; and develop one or more actions, in response to the customer score.

System and method for customer interaction management

A network interface accesses project data, wherein the project data comprises a metric for a project. A processor determines a project completeness based on the project data. The network interface receives a project assessment and also accesses updated project data, wherein the updated project data comprises an updated metric for the project. The processor then determines an updated completeness of the project, and determines a change in the completeness of the project. When the change in the completeness of the project is over a threshold, the processor sets a material change flag. The processor also determines a low-granularity project status. The processor then generates a project heat map. The project heat map is displayed in a tabular format. The project heat map presents the completeness of the project, material change flag, and the low-granularity project status for the project simultaneously.

Interactive approach for managing risk and transparency

In one embodiment, a method includes receiving an indication that a user has initiated a transaction and determining whether location information identifying a location of the transaction was received. A first attribute package of a plurality of attribute packages of the user may be identified based on customized rules and, if received, based on the location information. An identification of the first attribute package may be sent to the user's client system as a recommended payment attribute package for processing the transaction. In response to the identification of the first attribute package, the transaction may be opened, and a payment attribute package for the transaction may be set to the first attribute package. The transaction may be held open for a predetermined period of time to allow the user to modify the payment attribute package for the transaction to a different attribute package.

Processing transactions using convertible optimized attribute packages

Systems and methods for location determination using radio frequency tags are disclosed. In one embodiment, a method may include (1) a back end server receiving, from a RF sensor in a network comprising a plurality of RF sensors, a unique identifier for a sensed tag and an identifier for the RF sensor; (2) the back end server retrieving a location of the RF sensor based on the sensor identification; (3) the back end server associating a sensed tag location with the location; (4) the back end server retrieving authorization information for the sensed tag based on the unique identifier; and (5) the back end server determining that the sensed tag is authorized to be in the location.

Growing community of inventors

Pearl River, NY, United States of America

Nicholas M LoRe