The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Oct. 05, 2021

Filed:

Mar. 16, 2018
Applicant:

Jpmorgan Chase Bank, N.a., New York, NY (US);

Inventors:

Howard Spector, Woolwich, NJ (US);

Allison Beer, Bronxville, NY (US);

Christina Sheppard, Mamaroneck, NY (US);

Scott H. Ouellette, Kingston, NH (US);

Jason Carlyle, Chicago, IL (US);

Tu P. Le, Chicago, IL (US);

Assignee:

JPMORGAN CHASE BANK, N.A., New York, NY (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/36 (2012.01); G06Q 20/20 (2012.01); G06Q 20/22 (2012.01); G06Q 20/38 (2012.01); G06Q 20/32 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/36 (2013.01); G06Q 20/20 (2013.01); G06Q 20/202 (2013.01); G06Q 20/227 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/385 (2013.01); G06Q 20/38215 (2013.01);
Abstract

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.


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