Jpmorgan Chase Bank, N.a.

Scott Hollis Ouellette

Howard Spector

Brian J Smyth

Vincent R D'Agostino

Christina E Sheppard

Michael Naggar

Dave Carey

Hugh Tamassia

Joseph William Stanish

Dan Poswolsky

Sherry Ann Allen

Russ Mahy

Reetika Grewal

Winter P Ng

Ayman A Hammad

Tuan Q Dao

Shadman Zafar

Kelly L Dempski

Sih Lee

Robert M Soulchin

Devin C Moore

Allison Beer

Craig M Mullaney

Andrew Sloper

Jason Carlyle

Gavin C Michael

Tu P Le

Laura X Wang

Nasir Khan

Michael K O'Leary

Ken Wimberely

David G Seeney

Krishna K Bhagavatula

Tim J Parsey

Ryan Andrew Schlosser

Sudharsan Selvakumar

Rajitha Dissanayake

Benjamin Sokol

Ryan Evans

Mark W Robinson

Tharakesh Rangaswamy

Himanshu Anand

Jordan Butler

Systems and methods for using device data to validate a mobile user are disclosed. In accordance with aspects, a method may include receiving, at a backend processing infrastructure of a third party and from a backend processing infrastructure of a mobile application provider, a first copy of location information and an IP address, wherein the location information and the IP address are associated with a mobile device; receiving, at the backend processing infrastructure of the third party and from a mobile application provided by the third party, a second copy of the location information and the IP address, wherein the mobile application provided by the third party is executed on the mobile device; and verifying, by the backend processing infrastructure of the third party, that the first copy of the location information and the IP address matches the second copy of the location information and the IP address.

Systems and methods for verified communication between mobile applications

Systems and methods for establishing trust between a conventional mobile application and a micro application are disclosed. In accordance with aspects, a method may include authenticating user credentials with a backend processing infrastructure of a provider of a mobile application, wherein the authenticating generates session information; receiving, at the mobile application, a uniform resource identifier (URI), wherein the URI includes the session information as a parameter of the URI; receiving, at the mobile application, a user-activation of the URI; receiving, at the backend processing infrastructure of the provider of the mobile application and from a backend processing infrastructure of a third party, the session information; verifying, by the backend processing infrastructure of the provider of the mobile application the session information; and sending, by the backend processing infrastructure of the provider of the mobile application and to the backend processing infrastructure of the third party, requested user information.

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 online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.

System and method for billpay using credit-based products

Systems and methods for facilitating payment service-based guest checkout with a merchant are disclosed. According to one embodiment, a method for facilitating payment service-based guest checkout with a merchant may include: (1) receiving, from a merchant's application or website, a redirect of an online interaction between the merchant and a customer; (2) retrieving, from an issuer payment service, wallet information comprising a plurality of payment options for the customer; (3) receiving a selection of one of the payment options; (4) communicating the selection of the payment option to the payment service for the issuer. The issuer payment service provides a session identifier to the merchant application website, the merchant application or website provides transaction information and the session identifier to a merchant payment host, the merchant payment host retrieves the selected payment option from the issuer payment service and conducts the transaction using the selected payment option.

Systems and methods for facilitating payment service-based checkout with a merchant

Systems and methods for facilitating payment application provisioning and transacting are disclosed. According to one embodiment, a method for provisioning a token to a third party payment application on a mobile device may include (1) receiving a logon from a customer using a mobile application for a financial institution executed on a mobile device and a device identifier for the mobile device; (2) receiving a request to provision a token for a third party payment application; (3) authenticating the customer using the logon information and the device identifier; (4) provisioning a token for a payment device associated with the customer; and (5) providing the token to the third party payment application for transaction processing.

Systems and methods for facilitating payment application provisioning and transacting

Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.

Systems and methods for issuer-specified domain controls on a payment instrument

System and methods for supporting legacy and tokenized transactions are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for selecting an electronic payment credential to communicate to a merchant, may include (1) an electronic wallet backend receiving a plurality of payment credentials associated with a payment account; (2) the electronic wallet backend receiving a credential capability for a merchant; (3) the electronic wallet backend selecting one of the payment credentials for a transaction with the merchant based on the credential capability; and (4) the electronic wallet backend communicating the selected payment credential to a point of transaction device for the merchant.

Systems and methods for supporting legacy and tokenized e-commerce

An embodiment of the present invention is directed to systems and methods for securing contactless cards from unauthorized payments, including card cloning attacks. An embodiment of the present invention provides a password at the time of usage of the card to decrypt the data contained in the card at the time when the user is initiating a transaction. In this exemplary illustration, card data may be encrypted at rest, and decrypted at the time of use. Other variations may include a switchable antenna that is disabled at rest and enabled during a transaction.

Systems and methods for securing contactless cards from unauthorized payments

Growing community of inventors

Kingston, NH, United States of America

Scott Hollis Ouellette