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:
Sep. 08, 2026
Filed:
Feb. 14, 2024
Jpmorgan Chase Bank, N.a., New York, NY (US);
Shekhar Gahlot, Singapore, SG;
Naveen Mallela, Singapore, SG;
Umar Farooq, New York, NY (US);
Sai Murali Krishna Valiveti, Singapore, SG;
Muh Hwa Lee, Singapore, SG;
Wee Kee Toh, Long Island City, NY (US);
Daniel Chew, Singapore, SG;
Slim Yee Ng, Singapore, SG;
Raunak Rajpuria, Singapore, SG;
JPMORGAN CHASE BANK, N.A., New York, NY (US);
Abstract
Systems and methods for state machine driven programmable payments are disclosed. A method may include: defining a plurality of base state machines; storing definitions for the plurality of base state machines; receiving, via a user interface, a programmable payment instruction ('PPI') from a user comprising a PPI definition of a PPI trigger, a PPI condition, and a PPI action; dynamically linking a state in one of the plurality of base state machines to the PPI definition; storing the PPI definitions; receiving a payment instruction; identifying, from the payment instruction, a base state machine and the PPI instruction linked to the payment instruction; creating a PPI-specific state machine definition for the PPI instruction linked to the payment instruction; and instantiating a PPI-specific state machine for the PPI-specific state machine definitions. The PPI-specific state machine calls one of the plurality of base state machines to execute portions of the payment instruction.