Jpmorgan Chase Bank, N.a.

Ravi Acharya

Sih Lee

Brad X Lucas

William F Mann, Iii

Hugh Tamassia

Kelly W Scott

Peter Franklin Stransky

John Hsieh

Tina Sanders Pragoff

Michael W Andrews

Michael L Traxler

Lee Knackstedt

Mark Robert Sheehan

Jonathan S Beck

Satyan Ranganath

Christopher R Conrad

Jaeson B Paul

Shawn Morton

Rick Starbuck

Steven Ng

William Smith Rielly

Satyan Avatara

Dmitry Goldman

Leslie D Erlich

Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving a financial institution over a network. Embodiments of the method include capturing an image of the customer engaging in the transaction using an image capturing device integrated with the electronic device and retrieving a stored image of the customer from an authentication database. Embodiments of the invention additionally include comparing, using a comparison algorithm executed by computer processing components, the stored image with the captured image to authenticate the customer and upon authentication, monitoring the captured image during the transaction for an interruption using the computer processing components. The method further includes terminating the transaction if an interruption is detected.

Image authentication and security system and method

A digital bank branch system is provided for associating a customer communicating over a network with a banking host system with a physical bank branch. The digital bank branch system includes at least one computer memory storing customer information and instructions and at least one computer processor accessing and executing the stored instructions to perform multiple steps. The steps may include associating each customer with a local bank branch, the association accomplished based on at least one of a customer address, a physical customer location and a customer selection of the local bank branch. The system may further provide a local branch information area at a web address, the local branch information area accessible over the network including information relevant to the local bank branch. The system may additionally generate alerts relevant to the local bank branch, select a channel for distribution of the alerts from a plurality of available channels based on the customer information stored in the computer memory, the available channels including at least email, text message, and social media channels; and distribute the alert over the selected channel.

Digital bank branch

A computer-implemented remote control method and system are disclosed for providing financial account security to prevent unauthorized use of the financial account. The method may include providing, for an account holder device, a graphical user interface for facilitating automatic activation and deactivation of the financial account and receiving over a network from the account holder device, an account holder command entered through the provided graphical user interface. The method may additionally include authenticating the account holder command and processing the account holder command entered through the provided graphical user interface using a command processing engine including computer processing components, the command processing engine changing an account status from an active state to an inactive state or from an inactive state to an active state in accordance with the received command.

Remote account control system and method

Systems and methods for user identification and authentication are disclosed. In one embodiment, a method of authenticating a first party to a second party may include the following: (1) receiving, from one of an electronic device of a first party and an electronic device of a second party, a request to generate authenticating indicia; (2) using at least one of a plurality of computer processors, generating the authenticating indicia; (3) transmitting, over a network, the authenticating indicia to the electronic device of a first party and to the electronic device of the second party; (4) receiving, from an electronic device of the second party, an indication that the second party has confirmed that the first party is authentic; and (5) storing an identity of the first party, the second party, and the authenticating indicia in a database.

System and method for user identification and authentication

The invention provides a system and method for using transaction data to provide information to a customer, the information being provided in response to a request from the customer so as to assist the customer in decisioning. The method may comprising inputting transaction data regarding a plurality of transactions effected at a plurality of merchants; inputting a request for information from a requesting customer, the request including parameters related to the request; performing processing based on both the transaction data and the request for information, the processing including generating a response to the request; and outputting the response to the requesting customer. The request and processing may relate to identifying activities of similarly situated persons vis-&#xe0;-vis the requesting customer, based on the transaction data. The request may relate to identifying an optimum merchant to secure purchase of a target item. Further, the request may relate to determining an optimum sequence in which to perform a plurality of desired activities. Various other features are described.

Systems and methods for use of transaction data for customers

A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such as a paper check from a third party, payable to the depositor. The enabling system features a Remote Customer Terminal (RCT) with certain input devices, connected to a bank system. An image and/or other data of the financial instrument are transmitted from the RCT to the Bank of First Deposit (BOFD) where the data may be processed by conversion to Electronic Funds Transfer (EFT), via Electronic Check Presentment (ECP), or via check reconstruction. The deposit transaction can be accomplished without physical transfer of the financial instrument to or through the bank system. The system and method provide convenience and improved transaction processing speed compared to other deposit transactions of financial instruments.

System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image

Computer implemented methods and systems for fulfilling a customer request for a requested item purchased from a merchant is provided. The method may be performed by a tangibly embodied processing machine disposed in a customer device. The method may include (1) observing, through the input of information, an observed event that is associated with a customer; (2) associating the observed event with a corresponding order record; (3) retrieving order information from the corresponding order record, the order information including at least customer financial entity account information; (4) generating a merchant request based at least in part on the order information in the corresponding order record, the merchant request including at least customer identification information and customer financial entity account information; and (5) outputting the merchant request to the designated merchant, so as to provide the designated merchant with information to fulfill the customer request.

Systems and methods for mobile ordering and payment

Growing community of inventors

Philadelphia, PA, United States of America

Ravi Acharya