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:
May. 19, 2026
Filed:
May. 05, 2023
Jpmorgan Chase Bank, N.a., New York, NY (US);
Aaron Mercurio, Pleasantville, NY (US);
Rasik Goyal, Newark, DE (US);
Selva Dharmara, Wilmington, DE (US);
Nikunj Tanna, Newark, DE (US);
Sameer Avate, Little Elm, TX (US);
Hemant D Patil, Plano, TX (US);
Gayatri Prabhu, Keller, TX (US);
Vidyasankar Narayanan, New Castle, DE (US);
Joyesh Sengupta, Newark, DE (US);
Melissa Feldsher, New York, NY (US);
Zachary R Warman, Wheaton, IL (US);
Jegatheeswaran Pandian, Monroe, NJ (US);
Matthew Hoke, Audubon, NJ (US);
Sanjay Durgadin, Hockessin, DE (US);
JPMORGAN CHASE BANK, N.A., New York, NY (US);
Abstract
In some aspects, the techniques described herein relate to a method including: receiving, at a transaction decisioning platform, a customer pre-approval notification; receiving, at the transaction decisioning platform, a stream of transactions, wherein the transactions are associated with a demand deposit account and the demand deposit account is associated with a customer; receiving, at the transaction decisioning platform, a total finance amount for the customer; applying a transaction eligibility rule to each transaction in the stream of transactions; determining, based on application of the transaction eligibility rule, that one of the transactions from the stream of transactions is eligible for a credit product; determining, based on a customer eligibility variable, that the customer is eligible for the credit product; and including the one of the transactions from the stream of transactions on an eligible transaction list.