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.
Patent No.:
Date of Patent:
Jun. 21, 2022
Filed:
May. 07, 2019
Applicant:
Jpmorgan Chase Bank, N.a., New York, NY (US);
Inventors:
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 40/00 (2012.01); G06Q 20/32 (2012.01); H04W 4/80 (2018.01); G06Q 20/40 (2012.01); G06Q 20/20 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/327 (2013.01); G06Q 20/20 (2013.01); G06Q 20/4016 (2013.01); H04W 4/80 (2018.02);
Abstract
A system for and method of utilizing the low energy transmitter of a user device to communicate with a point-of-sale terminal in order to permit a consumer to conduct a purchase or other transaction with little or no interaction with the user device are disclosed. The system and method may also permit a purchase card processor to request additional levels of validation or authorization from the consumer in cases where the risk level of a transaction is high.