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:
Apr. 26, 2022

Filed:

Mar. 13, 2019
Applicant:

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

Inventors:

Nicholas Fisher, Middletown, DE (US);

Dipak K. Mukhopadhyay, Bear, DE (US);

Howard Abramowitz, Philadelphia, PA (US);

Gabriella M. Tolotta, Garnet Valley, PA (US);

Priyanka Malkoti, Wilmington, DE (US);

Noor Shadid, Wilmington, DE (US);

Edward Zlatsen, Wilmington, DE (US);

James P. White, III, Middletown, DE (US);

John L. Oliver, III, Smyrna, DE (US);

Eric Han Kai Chang, Wilmington, DE (US);

Sudheer K. Vankadara, Newark, DE (US);

Assignee:

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

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/34 (2012.01); H04W 4/029 (2018.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/354 (2013.01); G06Q 20/356 (2013.01); G06Q 20/405 (2013.01); G06Q 20/4093 (2013.01); H04W 4/029 (2018.02);
Abstract

Systems and methods for automatically enabling and disabling a purchase card based on predetermined preferences set by a cardholder are provided. The systems and methods enable users to set preferences in advance, and then automatically determine whether to accept or decline a transaction based on the preset preferences. The systems and methods may also implement a learning algorithm to develop preferences based on historical cardholder behavior.


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