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:
Feb. 11, 2025

Filed:

Dec. 05, 2022
Applicant:

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

Inventors:

Raghu Vudathu, Downingtown, PA (US);

Christy Lillie, Ann Arbor, MI (US);

Joe Martei, Brooklyn, NY (US);

Bodhi Hwang, Forest Hills, NY (US);

Assignee:

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

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/00 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/326 (2020.05); G06Q 20/10 (2013.01); G06Q 20/325 (2013.01);
Abstract

A method may include a first party computer program: (1) receiving, a first real-time communication comprising a first offer for a first amount from a second party computer program; (2) partially accepting the first offer, causing first funds to be transferred to a second party account from a first party account; sending a second real-time communication to the second computer program comprising a partial acceptance of the first offer and a second offer for a second amount; (3) receiving, from the second computer program, partial acceptance of the second offer and a third offer for a third amount, causing second funds to be transferred to the second party account from the first party account; and (4) accepting the third offer, causing third funds to be transferred to the second party account associated from the first party account.


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