Jpmorgan Chase Bank, N.a.

Walker Digital, LLC

Inventor Holdings, LLC

Charge Fusion Technologies, LLC

Sih Lee

Daniel E Tedesco

Paul Signorelli

Paul T Breitenbach

James Jorasch

Jay S Walker

Geoffrey M Gelman

Adrian E Kunzle

Dean P Alderucci

Eren Kursun

Ravi Acharya

Stephen C Tulley

Robert C Tedesco

Brad X Lucas

John Hsieh

Howard Spector

Shadman Zafar

Kelly L Dempski

Scott Hollis Ouellette

Brian J Smyth

Jonathan S Beck

Christina E Sheppard

Gavin C Michael

Andrew Sloper

Tim J Parsey

Ken Wimberely

Laura X Wang

Shawn Morton

Gregory J Scribner

Matthew D Breitenbach

V Michael O'Neil

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

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

Aspects of the present invention are directed to a method and system for distributing information from an information distributor in a banking environment. The method may include composing an electronic notification instrument by providing a notification component and providing a payload component, the payload component including a selectable link. The method may additionally include pushing the electronic notification instrument to an information client and allowing a pull from the information distributor through the electronic notification instrument such that the payload component including the selectable link is activated by an authorized information recipient, the authorized information recipient determined by the information client. The method may additionally include determining through a tracer whether the electronic notification instrument has an acceptable disposition and rendering the electronic notification instrument inaccessible if the disposition is not acceptable.

Method and system for distributing and tracking information

Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure are disclosed. In one embodiment, a method for partitioning a transaction to be performed using a plurality of resources may include (1) a decision engine computer processor receiving a transaction request; (2) the decision engine computer processor identifying a first portion of the transaction request to be performed using a first resource and a second portion of the request required to be performed using a second resource; (3) the decision engine computer processor retrieving capability information for the first resource and the second resource; and (4) the decision engine computer processor allocating a first portion of the transaction request to the first resource, and a second portion of the transaction request to the second resource, based on the first required portion, the second required portion, and the capability information.

Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure

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

Document management techniques to account for user-specific patterns in document metadata are disclosed. In one embodiment, a method for facilitating document retrieval may comprise: assigning a first entitlement to a first user for accessing a first plurality of documents; identifying patterns in the first user's creation or modification of metadata related to the first plurality of documents; recording the identified patterns associated with the first user; receiving a document query from a second user who has been assigned a second entitlement to access a second plurality of documents; determining, based on the second entitlement, an access right of the second user with respect to the first plurality of documents; and modifying the document query based on the access right of the second user and the identified patterns, such that the document query returns relevant documents from the first plurality of documents despite the second user's ignorance of the identified patterns.

Document management techniques to account for user-specific patterns in document metadata

Some embodiments are associated with wireless payment or account verification or authorization for purchases made from a vending machine via a customer's mobile device.

Systems and methods for wireless authorization at a vending machine

Systems and methods for driver authentication through embedded sensing are disclosed. In one embodiment, a system for driver authentication through embedded sensing may include a vehicle that may include a plurality of sensors, each sensor sensing at least one of a characteristic of a vehicle occupant and a movement of the vehicle occupant; at least one computer processor executing a computer application, the computer application receiving and processing data from the plurality of sensors; and a communication interface. The system may further include a back-end server in communication with the vehicle communication interface and a plurality of locations in communication with the back-end server. In one embodiment, the characteristic may be a biometric characteristic of the vehicle occupant.

Systems and methods for driver authentication through embedded sensing

System and method for integrated interactive response system and mobile devices are disclosed. According to one embodiment, a method for using an interactive response system with a mobile device may include (1) an application executed on a mobile electronic device initiating contact with an interactive response system for a first provider; (2) the application retrieving a plurality of menus for the interactive response system; (3) the application displaying a first menu comprising a first plurality of options for the interactive response system; (4) receiving a first selected option from one of the first plurality of options; and (5) the application providing the interactive response system with the first selected option.

Systems and methods for an integrated interactive response system and mobile device

Systems and methods for the management of mobile banking resources are disclosed. In one embodiment, a self-propelled, mobile transaction resource may include an unmanned, self-propelled, mobile platform; a user interface for interfacing with a user for conducting a transaction; at least one controller that controls the movement of the mobile platform and the user interface; a communications interface for the at least one controller that communicates with a server; and a plurality of sensors that capture at least one characteristic of the user.

Systems and methods for management of mobile banking resources

Growing community of inventors

Northvale, NJ, United States of America

Sih Lee