JPMorgan Chase Bank, National Association

États‑Unis d’Amérique

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Date
2020 8
2019 3
2018 4
2017 3
Avant 2017 20
Classe IPC
G06Q 20/00 - Architectures, schémas ou protocoles de paiement 5
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne 4
G06Q 40/04 - Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises 4
H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système 4
G06Q 20/08 - Architectures de paiement 3
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Statut
En Instance 20
Enregistré / En vigueur 18
Résultats pour  brevets

1.

METHOD AND SYSTEM FOR IMPLEMENTING AN ELECTRONIC EXCHANGE FOR BILL PAY AND OTHER TRANSACTIONS VIA AN INTERBANK INFORMATION NETWORK (IIN)

      
Numéro de document 03081851
Statut En instance
Date de dépôt 2020-05-29
Date de disponibilité au public 2020-11-30
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Hoffman, Stephen
  • Radoncic, Sejdo
  • Wan, Tiffany Ashley
  • Leslie, Amy M.
  • Biloz, John L.
  • Singh, Raghvendra

Abrégé

The invention relates to an electronic exchange for bill pay transactions via an interbank information network (IIN) architecture. An embodiment of the present invention provides a marketplace for secure collection, assignment and distribution of payments and data from Bill Pay to Lockbox providers. This eliminates paper checks, resulting in faster deposit into client accounts, better management of payment exceptions, and reduction in overall operating costs. The IIN architecture provides a global platform using Blockchain technology for real- time interconnected flow of information that address immediate pain points across the financial industry and enable new services. With an embodiment of the present invention, a distributed network may streamline process for resolving compliance based inquiries and provide global beneficiary account validations. An embodiment of the present invention provides a platform/ecosystem that network participants may use to deliver value-added service applications to other network participants.

Classes IPC  ?

  • G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
  • G06Q 20/08 - Architectures de paiement

2.

METHOD AND SYSTEM FOR IMPLEMENTING AN ELECTRONIC EXCHANGE FOR BILL PAY TRANSACTIONS

      
Numéro de document 03072211
Statut En instance
Date de dépôt 2020-02-12
Date de disponibilité au public 2020-08-12
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Hoffman, Stephen
  • Radoncic, Sejdo
  • Wan, Tiffany Ashley
  • Leslie, Amy M.
  • Biloz, John L.
  • Singh, Raghvendra

Abrégé

The invention relates to a system that implements an electronic exchange for bill pay transactions. The system comprises an electronic exchange network coupled to an electronic input, a memory component and a computer processor configured to perform the steps of: receiving electronic data files and payment files from a plurality of disparate bill payors; distributing data and funds to each participating lockbox provider file; creating an image of each transaction in the form of a non-negotiable check; creating image files for each lockbox provider participant from a plurality of lockbox provider participants, wherein each image file is indexed to each data file; consolidating image files, data files and payment files into an electronic package for each lockbox provider participant; and transmitting the electronic package to a respective lockbox provider participant.

Classes IPC  ?

  • G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation

3.

METHOD FOR PROTECTING PRIVACY ON MOBILE COMMUNICATION DEVICE

      
Numéro de document 03126549
Statut En instance
Date de dépôt 2020-01-22
Date de disponibilité au public 2020-07-30
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Santos, Fernando
  • Aubert, Jarryd Gregory Felix
  • Runciman, Scott Andrew
  • Gallacher, Sheryl

Abrégé

A method for protecting user privacy on a mobile communication device, such as a smart phone or tablet computing device, is provided. The method includes performing a facial recognition of a user in order to authenticate the user for a normal operation of the device; displaying, on a screen of the device, first content that corresponds to the normal operation of the device by the authenticated user; detecting a presence of a face of a second person that is different from the authenticated user; and displaying, on the screen, second content that corresponds to a predetermined safety screen, such that the first content is hidden from being displayed. The method may be implemented such that the safety screen is displayed in response to detecting an aversion of the eyes of the authenticated user.

Classes IPC  ?

  • G06F 21/84 - Protection des dispositifs de saisie, d’affichage de données ou d’interconnexion dispositifs d’affichage, p.ex. écrans ou moniteurs
  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès

4.

SYSTEMS AND METHODS FOR DISTRIBUTED-LEDGER BASED INTRADAY TRADING

      
Numéro de document 03122352
Statut En instance
Date de dépôt 2019-11-08
Date de disponibilité au public 2020-05-14
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Lucas, Scott Andrew
  • Moy, Christine

Abrégé

Systems and methods for distributed ledger-based intraday trading are disclosed. In one embodiment, a method may include: receiving a digital representation of an amount of collateral for a cash borrower; receiving a digital representation of an amount of cash for a cash provider; receiving agreement from the cash borrower and the cash provider to terms of an intraday trade comprising a duration of the intraday trade, a collateral trade amount of the collateral, and a cash trade amount of cash; a smart contract executing the intraday trade by providing the trade amount of the digital collateral to the cash provider and the cash trade amount of the digital cash to the cash borrower; and the smart contract returning the trade amount of the digital collateral to the cash borrower and the cash trade amount of the digital cash to the cash provider at the completion of the intraday trade.

Classes IPC  ?

  • G06Q 40/04 - Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises

5.

PRE-BUILT USER INTERFACE FOR PAYMENT SYSTEM AND METHOD

      
Numéro de document 03113639
Statut En instance
Date de dépôt 2019-09-18
Date de disponibilité au public 2020-03-26
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Sharma, Sankate
  • Ramos, Facundo

Abrégé

The invention relates to a computer implemented system and method for payment flow integration using a pre-built user interface. The method comprises receiving, at a payment service provider, an API call from a partner server that specifies customized cascading style sheets (CSS) data for the partner. The customized CSS data allows the partner to customize the look and feel of a payment window that is embedded in the partner's webpage. The payment service provider server embeds the custom CSS data into an iFrame and transmits the iFrame URL to the partner server. The partner server embeds the iFrame in the partner's webpage. The method may also comprise receiving the user's payment information at the service provider's server, securely storing that information, and returning a payment token to the partner for enhanced security of the payment transaction.

Classes IPC  ?

  • G06Q 20/08 - Architectures de paiement
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

6.

SYSTEM AND METHOD FOR IMPLEMENTING TRANSACTION PROCESSING ECOSYSTEMS

      
Numéro de document 03112395
Statut En instance
Date de dépôt 2019-09-16
Date de disponibilité au public 2020-03-19
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Hundling, Chris
  • Saponara, Stephen
  • Winn, Matt
  • Wilson, Scott
  • Teixeira, Anne K.
  • Chauhan, Rohit Singh
  • Schnelker, Clayton

Abrégé

An embodiment of the present invention is directed to financial transaction ecosystems. A transaction processing ecosystem comprises: a plurality of data sources; a capture interface; and a financial transaction processing system comprising a message bus and a plurality of processors interfacing with the message bus and configured to perform: receiving, via the capture interface, raw data for a payment transaction, wherein the raw data comprises client instructions; normalizing, via the capture interface, the raw data into a normalized transaction format based on a standard data model; publishing, via the capture interface, the normalized transaction format to a message bus; processing, via a first processor of the plurality of processors, the normalized transaction format; and completing the transaction.

Classes IPC  ?

  • G06Q 20/00 - Architectures, schémas ou protocoles de paiement

7.

SYSTEMS AND METHODS FOR TOKEN-BASED CROSS-CURRENCY INTEROPERABILITY

      
Numéro de document 03111099
Statut En instance
Date de dépôt 2019-09-03
Date de disponibilité au public 2020-03-05
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Hunter, John Corwin
  • Farooq, Umar
  • Wan, Tiffany Ashley
  • Mallela, Naveen
  • Moy, Christine
  • Lobban, Tyrone
  • Harris, Oliver
  • Patel, Palka S.

Abrégé

Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.

Classes IPC  ?

  • G06Q 20/00 - Architectures, schémas ou protocoles de paiement

8.

SYSTEMS AND METHODS FOR CONTINGENCY NET ASSET VALUE PRICING

      
Numéro de document 03110476
Statut En instance
Date de dépôt 2019-06-25
Date de disponibilité au public 2020-01-02
Propriétaire JPMORGAN CHASE BANK, N. A. (USA)
Inventeur(s)
  • Fetrat, Farhad
  • Patil, Amit
  • Gokhale, Jayant V.
  • Chernovetsky, Eugene
  • Puricelli, David, Ii
  • Trivett, Kirk
  • Barry, Mary-Frances
  • Brakoniecki, Mark
  • Burgess, Samantha
  • Krishnaswamy, Shankaran
  • Kosaraju, Sreeram C.
  • Wolski, Wojtek
  • Shanahan, Alec
  • Gandhi, Sunita

Abrégé

Systems and methods for contingency NAY pricing are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for contingency Net Asset Value (cNAV) pricing may include (1) receiving a daily Net Asset Value (NAV) for a fund and performance data for a plurality of benchmarks; (2) selecting one of the plurality of benchmarks that has a benchmark performance that is similar to a fund performance of the fund for a period of time; (3) determining a correlation factor between the fund performance and the selected benchmark performance; and (4) calculating a cNAV based on a prior day's NAV for the fund, a movement for the selected benchmark, and the correlation factor in response to a daily NAV for the fund being unavailable.

Classes IPC  ?

  • G06Q 40/04 - Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
  • G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

9.

SYSTEMS AND METHODS FOR DISTRIBUTED-LEDGER BASED INTERCOMPANY NETTING

      
Numéro de document 03104263
Statut En instance
Date de dépôt 2019-06-18
Date de disponibilité au public 2019-12-26
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Mallela, Naveen
  • Shah, Gourang
  • Mandhana, Varoon
  • Stoker, Martijn
  • Dugar, Manoj
  • Gupta, Abhijit

Abrégé

A method for distributed-ledger based intercompany netting may include: receiving, from a first entity within an organization, a deposit of a first amount of funds to a first account; tokenizing the first amount of funds and writing the first amount of funds to a first token wallet for the first entity on a distributed ledger; receiving, from a second entity within an organization, a deposit of a second amount of funds to a second account; tokenizing the second amount of funds and writing the second amount of funds to a second token wallet for the second entity on the distributed ledger; and executing a transaction involving a transfer of a transaction amount from the first entity to the second entity by deducting the transaction amount from a token balance in the first wallet and adding the transaction amount to a token balance in the second wallet.

Classes IPC  ?

  • G06Q 20/00 - Architectures, schémas ou protocoles de paiement

10.

SYSTEMS AND METHODS FOR ISSUER-SPECIFIED DOMAIN CONTROLS ON A PAYMENT INSTRUMENT

      
Numéro de document 03091225
Statut En instance
Date de dépôt 2019-02-14
Date de disponibilité au public 2019-08-22
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Mullaney, Craig M.
  • Spector, Howard
  • Ouellette, Scott H.
  • Dao, Tuan
  • Seeney, David G.

Abrégé

Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

11.

SYSTEM AND METHOD FOR USING A DISTRIBUTED LEDGER GATEWAY

      
Numéro de document 03068427
Statut En instance
Date de dépôt 2018-06-27
Date de disponibilité au public 2019-01-03
Propriétaire JPMORGAN CHASE BANK, N.A. (Canada)
Inventeur(s)
  • Moy, Christine
  • Lobban, Tyrone
  • Baldet, Amber
  • Shetty, Suresh

Abrégé

System and method for using a distributed ledger gateway are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for interacting with a plurality of distributed ledgers may include (1) receiving a client request comprising a payload to be written to one of a plurality of distributed ledgers and metadata extracted from the client request, (2) identifying a destination distributed ledger of the plurality of distributed ledgers, (3) logging a source of the request and the destination distributed ledger, (4) encrypting the payload, and (5) routing the encrypted payload to the destination distributed ledger

Classes IPC  ?

  • G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée

12.

SYSTEM AND METHOD FOR IMPLEMENTING AN INTERBANK INFORMATION NETWORK

      
Numéro de document 03067427
Statut En instance
Date de dépôt 2018-06-22
Date de disponibilité au public 2018-12-27
Propriétaire JPMORGAN CHASE BANK, N.A. (Canada)
Inventeur(s)
  • Hunter, John Corwin
  • Patel, Palka S.
  • Sant'Anna, Lucianne
  • Lim, Leticia Pui Sze
  • Wan, Tiffany Ashley
  • Aquino, Elizabeth Polanco
  • Falah, Samer
  • Upadhyay, Sudhir
  • Movva, Tulasi
  • Shetty, Suresh

Abrégé

The invention relates to creating a secure, decentralized, cloud-based network or physical/virtual infrastructure that enables the payments industry to redefine payment processing and information sharing. The innovative network addresses key pain points by reducing payment delays and touch points, realizing faster and comprehensive payment tracking, real-time sanctions, AML and fraud management tools.

Classes IPC  ?

  • G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

13.

SYSTEMS AND METHODS FOR REAL-TIME APPLICATION CONFIGURATION FOR NFC TRANSACTIONS

      
Numéro de document 03065489
Statut En instance
Date de dépôt 2018-05-22
Date de disponibilité au public 2018-12-06
Propriétaire JPMORGAN CHASE BANK, N.A. (Canada)
Inventeur(s)
  • Spector, Howard
  • Dao, Tuan

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 30/02 - Marketing, p.ex. études et analyse de marchés, prospection, promotions, publicité, établissement du profil des acheteurs, gestion ou fidélisation de clientèle; Estimation ou détermination des prix

14.

APPLICATION OF DISTRIBUTED LEDGERS FOR NETWORK PAYMENTS AS FINANCIAL EXCHANGE SETTLEMENT AND RECONCILIATION

      
Numéro de document 03039111
Statut En instance
Date de dépôt 2017-10-30
Date de disponibilité au public 2018-05-03
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Hallam, Jonathan C.
  • Mallela, Naveen
  • Lonsdale, Gavin
  • Drake, Lawrence Charles
  • Valiveti, Sai Murali Krishna
  • Aquino, Elizabeth Polanco
  • Voell, David
  • Shetty, Suresh
  • Falah, Samer
  • Lee, William J.
  • Lim, Leticia Pui Sze
  • Sant'Anna, Luciane Gomes

Abrégé

Systems and methods for the application of distributed ledgers for network payments as financial exchange settlement and reconciliation are disclosed. In one embodiment, a method for processing network payments using a distributed ledger may include: (1) a payment originator initiating a payment instruction to a payment beneficiary; (2) a payment originator bank posting and committing the payment instruction to a distributed ledger on a peer-to-peer network; (3) the payment beneficiary bank posting and committing the payment instruction to the distributed ledger on a peer-to-peer network; and (4) the payment originator bank validating and processing the payment through a payment originator bank internal system and debiting an originator account.

Classes IPC  ?

  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 40/04 - Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
  • G06Q 40/06 - Investissement, p.ex. instruments financiers, gestion de portefeuille ou gestion de fonds

15.

SYSTEMS AND METHODS FOR ENHANCED ORGANIZATIONAL TRANSPARENCY USING A CREDIT CHAIN

      
Numéro de document 03033095
Statut En instance
Date de dépôt 2017-08-07
Date de disponibilité au public 2018-02-15
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Vieira, Joe
  • Lee, Kam Sat
  • Pingali, Murali
  • Cornell, Michael
  • Shetty, Suresh
  • Falah, Samer
  • Sambhar, Ankur

Abrégé

Systems and methods for enhanced organizational transparency using a linked activity chain in a ledger are disclosed. In one embodiment, a method may include (1) a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer interaction with the first entity; (2) the back end writing the first communication to a ledger for the organization as a first block in a linked activity chain; (3) the back end receiving a second communication from a second entity comprising a second customer second activity with the second entity; (4) the back end writing the second communication to the ledger for the organization as a second block in the linked activity chain; (5) the back end calculating a summary score for the customer based on the blocks in the linked activity chain.

Classes IPC  ?

16.

SYSTEMS AND METHODS FOR IMPLEMENTING A PROXIMITY LOCK USING BLUETOOTH LOW ENERGY

      
Numéro de document 03029220
Statut En instance
Date de dépôt 2017-06-23
Date de disponibilité au public 2017-12-28
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s) Ulbrich, Steven

Abrégé

Systems and methods for implementing a proximity lock using Bluetooth Low Energy are disclosed. According to one embodiment, a Bluetooth low energy proximity lock system may include a host electronic device comprising a computer processor; a peripheral electronic device interfacing with the host electronic device that may include a controller and a first Bluetooth low energy component; and a user device comprising a second Bluetooth low energy component. The controller may, using the first Bluetooth low energy component, identify the second Bluetooth low energy component, determine a radio signal strength between the first Bluetooth radio component and the second Bluetooth low energy component; and generate a command that renders the host electronic device temporarily inoperable in response to the radio signal strength being below a predetermined threshold.

Classes IPC  ?

  • E05B 47/00 - Fonctionnement ou commande des serrures ou autres dispositifs d'immobilisation par des moyens électriques ou magnétiques

17.

SECURITY DESIGN AND ARCHITECTURE FOR A MULTI-TENANT HADOOP CLUSTER

      
Numéro de document 03024987
Statut En instance
Date de dépôt 2017-05-23
Date de disponibilité au public 2017-11-30
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Gupta, Akhilesh
  • Banerjee, Raja
  • Cuddihy, James P.
  • Rajaram, Jay
  • Mishra, Ratikanta
  • Addanki, Suman Kumar
  • Aguiling, Michael

Abrégé

Security design and architecture for a multi-tenant Hadoop cluster are disclosed. In one embodiment, in a multi-tenant Hadoop cluster comprising a plurality of tenants and a plurality of applications, a method for identifying, naming, and creating a multi-tenant directory structure in a multi-tenant Hadoop cluster may include (1) identifying a plurality of groups for a directory structure selected from the group consisting of a superuser group, a plurality of tenant groups, and at least one application group; (2) creating an active directory for each of the groups; (3) adding each of a plurality of users to one of the plurality of tenant groups and the application group; (4) creating tenant directories and home directories for the users; and (5) assigning owners, group owners, default permissions, and extended access control lists to the tenant directories and the home directories.

Classes IPC  ?

  • G06F 16/10 - Systèmes de fichiers; Serveurs de fichiers
  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
  • G06F 16/182 - Systèmes de fichiers distribués

18.

SYSTEMS AND METHODS FOR DEVICE AUTHENTICATION

      
Numéro de document 03017805
Statut En instance
Date de dépôt 2017-03-14
Date de disponibilité au public 2017-09-21
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Hammad, Ayman
  • Clarke, Simon

Abrégé

Systems and methods for device authentication are disclosed. In one embodiment, a method may include (1) an acquirer portion receiving a device credential and a payment credential that were received from the payment application in conjunction with a transaction, the acquirer portion further receiving transaction data for the transaction from the merchant; (2) the acquirer portion performing a first validation assessment on the transaction based on the transaction data and first data retrieved from a first data source; (3) the payment network portion performing a second validation assessment on the transaction based on the transaction data and second data retrieved from a second data source; and (4) the issuer portion identifying and authenticating the customer based on the device credential, the payment credential, and at least one of the first validation assessment and the second validation assessment.

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

19.

SYSTEM AND METHOD FOR LOYALTY INTEGRATION FOR MERCHANT SPECIFIC DIGITAL WALLETS

      
Numéro de document 02988096
Statut En instance
Date de dépôt 2016-05-31
Date de disponibilité au public 2016-12-08
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Joglekar, Ajinkya P.
  • Field, Manning R.

Abrégé

The invention relates to a computer-implemented system and method for loyalty integration to facilitate redemption of rewards using a mobile device. According to an embodiment of the present invention, a system and method comprise the steps of: connecting a merchant app, associated with a merchant, with a funding source associated with a financial institution, wherein the merchant app provides a merchant program to the user; identifying a number of points for conversion to stored value on the merchant app; converting the number of points to a stored value amount on the merchant app; loading the merchant app with the stored value; and responsive to a user request on the merchant app, performing a payment transaction for a purchase using the converted stored value.

Classes IPC  ?

  • G06Q 30/00 - Commerce, p.ex. achat ou vente, ou commerce électronique

20.

AUTO SUBSTITUTION COLLATERAL MANAGEMENT SYSTEM AND METHOD

      
Numéro de document 02788570
Statut Délivré - en vigueur
Date de dépôt 2011-02-01
Date de disponibilité au public 2011-08-11
Date d'octroi 2018-06-26
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Russo, Thomas Michael
  • Mcgowan, Robert

Abrégé

An auto substitution system and method are provided for facilitating fulfillment of intraday trading requirements by implementing collateral in encumbered shells of tri party repo agreements. The method is triggered upon notification of insufficient unencumbered collateral to satisfy delivery instructions for required collateral. The method includes receiving, at an aoto substitution system, a request for the required collateral upon failure to locate unencumbered required collateral. The method further includes implementing computer processing components of the auto substitution system to search for the required collateral in the encumbered shells and upon finding the required collateral searching for replacement, collateral for the required collateral. The method further includes implementing the required collateral found in the encumbered shells to fulfill delivery instructions and substituting the replacement collateral for the required collateral found in the encumbered shells.

Classes IPC  ?

  • G06Q 40/04 - Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne

21.

COLLATERAL MANAGEMENT SYSTEM AND METHOD

      
Numéro de document 02753834
Statut Délivré - en vigueur
Date de dépôt 2010-03-02
Date de disponibilité au public 2010-09-10
Date d'octroi 2020-03-31
Propriétaire JPMORGAN CHASE BANK, N.A. (Canada)
Inventeur(s)
  • Mathieson, Kelly
  • Rivett, John
  • Mangan, Emma

Abrégé

A collateral management system and method for managing collateral of multiple participants including borrowers and lenders. A global long box available to each borrower, configured for storing all types of available assets possessed by each borrower. An eligibility database storing eligibility and concentration limits, the concentration limits defined by lender rules controlling the acceptability of the available assets as collateral, the value of the assets, and overall acceptable composition of assets. An interactive participant interface for accepting collateral use preferences from the borrowers, the collateral use preferences including ranking components for lenders and assets, and allocation run type selection components for facilitating collateral allocation. An allocation engine for selecting a collateral allocation sequence based on the collateral use preferences of the borrowers, and in compliance with the stored eligibility and concentration limits in the eligibility database.

Classes IPC  ?

  • G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

22.

SYSTEM AND METHOD FOR ROUTING MESSAGES

      
Numéro de document 02563354
Statut Délivré - en vigueur
Date de dépôt 2005-04-25
Date de disponibilité au public 2005-11-03
Date d'octroi 2010-08-17
Propriétaire JP MORGAN CHASE BANK (USA)
Inventeur(s)
  • Sethi, Vincent
  • Vaskas, Joseph A.
  • Connelly, Thomas J.
  • Wos, Rosmarie
  • Barlow, Athena
  • Shabash, Marina
  • Narayanan, Chandramouli

Abrégé

A hub-and-spoke communication arrangement is provided, in which the "hub" includes a server computer system. The "spokes" are other computers that act as message originators and/or destinations. All internal-to-external messages, and vice versa, are routed through the server computer system to reduce the number of proprietary connections needed between the internal and external entities. In addition, the server computer system provides protocol conversion, message payload conversion, encryption conversion, message broadcast, and/or message archival functionality, so that the "spoke" computers need not be concerned with providing such functionality on their own.

Classes IPC  ?

  • H04L 12/58 - Systèmes de commutation de messages
  • H04L 9/06 - Dispositions pour les communications secrètes ou protégées l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

23.

PORTABLE SECURITY TRANSACTION PROTOCOL

      
Numéro de document 02545015
Statut Délivré - en vigueur
Date de dépôt 2004-10-26
Date de disponibilité au public 2005-05-19
Date d'octroi 2013-10-29
Propriétaire JP MORGAN CHASE BANK (USA)
Inventeur(s)
  • Benson, Glenn Stuart
  • Calaceto, Joseph R.
  • Logar, Russel M.

Abrégé

A technique for providing message authenticity includes accepting transaction information, accepting a first data item used for authenticating an originating user, cryptographically processing the transaction information using only a second data item, wherein the entropy of the first data item is less than the entropy of the second data item, and authenticating the originating user using the first data item. The first data item can be a sequence of digits corresponding to those displayed on an external device, such as, for example, an RSA authorization token, credit card, etc. In general, the first data item will be a short alphanumeric string and the second data item will generally be much larger, e.g., a 128 bit sequence to be used principally for data authentication. According to another aspect of the present invention, consequential evidence of the transaction may be secured to provide after-the-fact evidence of the transaction. This evidence can include a message written to a tamper-resistant log record, the message including the transaction information, the first data item, the second item, and an identifier for the originating user, as well as other information. At a subsequent point, the transaction can be shown to have been sent by the originating user and received by the intended recipient, by consulting the log record. Preferably, the validity of the transaction would be ascertained by an independent, mutually trusted third party.

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • H04L 9/00 - Dispositions pour les communications secrètes ou protégées
  • H04L 9/28 - Dispositions pour les communications secrètes ou protégées utilisant un algorithme de chiffrement particulier

24.

PORTABLE SECURITY TRANSACTION PROTOCOL

      
Numéro de document 02816996
Statut Délivré - en vigueur
Date de dépôt 2004-10-26
Date de disponibilité au public 2005-05-19
Date d'octroi 2014-04-15
Propriétaire JP MORGAN CHASE BANK (USA)
Inventeur(s)
  • Benson, Glenn S.
  • Calaceto, Joseph R.
  • Logar, Russel M.

Abrégé

A technique for providing message authenticity includes accepting transaction information, accepting a first data item used for authenticating an originating user, cryptographically processing the transaction information using only a second data item, wherein the entropy of the first data item is less than the entropy of the second data item, and authenticating the originating user using the first data item. The first data item can be a sequence of digits corresponding to those displayed on an external device, such as, for example, an RSA authorization token, credit card, etc. In general, the first data item will be a short alphanumeric string and the second data item will generally be much larger, e.g., a 128 bit sequence to be used principally for data authentication. According to another aspect of the present invention, consequential evidence of the transaction may be secured to provide after-the-fact evidence of the transaction. This evidence can include a message written to a tamper-resistant log record, the message including the transaction information, the first data item, the second item, and an identifier for the originating user, as well as other information. At a subsequent point, the transaction can be shown to have been sent by the originating user and received by the intended recipient, by consulting the log record. Preferably, the validity of the transaction would be ascertained by an independent, mutually trusted third party.

Classes IPC  ?

  • H04L 12/58 - Systèmes de commutation de messages
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

25.

SYSTEM AND METHOD FOR VARYING ELECTRONIC SETTLEMENTS BETWEEN BUYERS AND SUPPLIERS WITH DYNAMIC DISCOUNT TERMS

      
Numéro de document 02483348
Statut Délivré - en vigueur
Date de dépôt 2003-05-14
Date de disponibilité au public 2003-12-04
Date d'octroi 2016-07-26
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Holm, Don
  • Lam, Duc
  • Mcrae, Xuan

Abrégé

A request is received to effect payment between a buyer (101) and a seller (102) for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller (103) that include an offer and acceptance of new terms for payment other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and after the notification, payment between the buyer and seller is effected under the new terms. In one implementation, a digital signature indicating acceptance of the new terms is received. Another embodiment is directed to a method of effecting payment that includes receiving requests to effect a set of transactions with a set of entities. Requests for offers of terms different than the established terms are sent to the entities, and the different terms are to apply to payment made at a particular time after the event. Offers (130) are received in response to the requests (131), and a set of offers among the offers is selected based on a set of one or more criteria. Requests for offers and selection of the offers may be made based on a goal seeking process. Another embodiment of is directed to a method of making payment involving a buyer, seller and a third party, such as a financial institution.

Classes IPC  ?

26.

SYSTEM AND METHOD FOR ESTABLISHING OR MODIFYING AN ACCOUNT WITH USER SELECTABLE TERMS

      
Numéro de document 02466071
Statut Délivré - en vigueur
Date de dépôt 2002-10-31
Date de disponibilité au public 2003-05-08
Date d'octroi 2016-04-12
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Warren, Mary Carter
  • Strock, Bradley R.
  • Witsil, Kathleen H.
  • Eheman, Karen R.
  • Fredman, Marc L.
  • Hoechst, Kim
  • Steckart, James C.
  • Blossom, George W.
  • Jacobs, Ron
  • Schmitt, Donald H.
  • Barrett, Donna W.
  • Filak, Douglas A.
  • Dowidchuck, Katrina

Abrégé

A system for modifying an existing account is provided. The system comprises different computers for a) receiving account identification information from an account holder over a network; b) sending the account holder at least a portion of the existing account terms over the network; c) sending the account holder a plurality of available account terms over the network; and d) receiving from the account holder a selection of at least one of the available account terms.

Classes IPC  ?

  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G06Q 30/02 - Marketing, p.ex. études et analyse de marchés, prospection, promotions, publicité, établissement du profil des acheteurs, gestion ou fidélisation de clientèle; Estimation ou détermination des prix

27.

SYSTEM AND METHOD FOR CURRENCY SELECTABLE STORED VALUE INSTRUMENT

      
Numéro de document 02447945
Statut Délivré - en vigueur
Date de dépôt 2002-05-23
Date de disponibilité au public 2002-11-28
Date d'octroi 2016-09-13
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Alarcon-Luther, Melissa
  • Fellner, Debra C.
  • Sabloff, Barry M.
  • Schell, Frank Charles Iii
  • Mesrobian, Peter Mark
  • Griffin, Ginger
  • Dorion, Michelle
  • Karris, Gus

Abrégé

The invention provides a currency selectable stored value instrument (140), whose currency maybe chosen or converted at the time the value is loaded, after load but prior to redemption of value, at the time of redemption, or at the other times. One embodiment of the system is configured so that the stored value instrument may be a plastic card with a magnetic stripe, compatible with card readers (125) on Automated Teller Machine (ATMs) or other terminals. In one embodiment, U.S. dollars may be converted to Mexican pesos when the stored value instrument is loaded at an ATM or other location in the United States. A user may subsequently redeem that value for legal tender in pesos at an ATM located in Mexico, for example, or for goods, services, or cash in other countries.

Classes IPC  ?

  • G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

28.

METHOD AND SYSTEM FOR PROCESSING INTERNET PAYMENTS

      
Numéro de document 02414038
Statut En instance
Date de dépôt 2001-06-22
Date de disponibilité au public 2001-12-27
Propriétaire JPMORGAN CHASE BANK, NA (USA)
Inventeur(s)
  • O'Leary, Denis
  • D'Agostino, Vincent
  • Re, S. Richard
  • Burney, Jessica
  • Hoffman, Adam

Abrégé

A system and method for effectuating Electronic Funds Transfer credit messages (see Fig. 12) is disclosed. The main structural components of the system include a Payment Portal Processor (Web Broker), an Internet Pay Anyone (IPA) Account (1202), a Virtual Private Lockbox (VPL) and an Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The Web Broker is a software application that provides a secure portal for accessing the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a Web Broker enhanced Wallet to fund their account, shop on the web, pay bills, store electronic receipts and transaction history, and check their recent Web Broker enhanced Wallet activity. The IPA is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and the balance in IPA and VPL accounts, and provide online, real-time transaction reports and reconcile accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

29.

SPONSOR FUNDED STORED VALUE CARD

      
Numéro de document 02402378
Statut Délivré - en vigueur
Date de dépôt 2001-02-05
Date de disponibilité au public 2001-08-16
Date d'octroi 2016-04-05
Propriétaire JPMORGAN CHASE BANK (USA)
Inventeur(s) Slater, Kim Michele

Abrégé

A method and system for issuing a sponsor funded stored value card (See Figure 1). A sponsor company funds an account associated with a stored value card (22). The stored value card is issued to a cardholder (24), who can withdraw funds from the account (32), but cannot deposit additional funds in the account. A sponsor funded stored value card may reduce expenses and difficulties associated with written checks.

Classes IPC  ?

  • G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
  • G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
  • G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p.ex. forme, nature, code

30.

SYSTEM AND METHOD FOR SENDING MONEY VIA E-MAIL OVER THE INTERNET

      
Numéro de document 02360765
Statut Délivré - en vigueur
Date de dépôt 2000-11-22
Date de disponibilité au public 2001-05-31
Date d'octroi 2018-02-27
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Lehman, Dean K.
  • Mccullough, Joseph R.
  • Orth, Nancy A.

Abrégé

A method and system for transferring money from a sender to a receiver utilizing a computer network such as the Internet (12). The sender (16) visits a web site and identifies, to the server (34) over the Internet, the receiver (30), an e-mail address to the receiver (18), an amount of money to be transferred, and a withdraw account from which money is to be transferred. The withdraw account can be a checking account (56), a checking account secured by a credit card account (24), or a credit card account (26). Money is transferred from the withdraw account and preferably deposited into a holding account. The server automatically sends e-mail to a receiver, over the Internet, to inform the receiver that the sender has transferred money and to request the receiver to visit the web site of the server to receive money. The receiver visits the web site of the server in response to the e-mail and identifies a deposit account to which money is to be transferred.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne

31.

SYSTEM AND METHOD FOR GATHERING AND STANDARDIZING CUSTOMER PURCHASE INFORMATION FOR TARGET MARKETING

      
Numéro de document 02381973
Statut Délivré - en vigueur
Date de dépôt 2000-08-16
Date de disponibilité au public 2001-02-22
Date d'octroi 2016-11-22
Propriétaire
  • INTERNATIONAL BUSINESS MACHINES CORPORATION (USA)
  • BANK ONE, DELAWARE, NA (USA)
  • JPMORGAN CHASE BANK, NA (USA)
Inventeur(s)
  • Rothman, Michael J.
  • Witsil, Kathleen H.
  • Nanek, David W.

Abrégé

The present invention relates to storing and manipulating customer purchasing information, particularly purchasing information by credit cards, debit cards, checks. A hierarchical organizational structure is created comprising a plurality of categories and sub-categories (see Fig. 1). The customer purchase information may then be retrieved according to user created links to generate customer preference information (112). The customer preference information may then be stored in a customer account, thereby allowing targeted information.

Classes IPC  ?

  • G06Q 30/02 - Marketing, p.ex. études et analyse de marchés, prospection, promotions, publicité, établissement du profil des acheteurs, gestion ou fidélisation de clientèle; Estimation ou détermination des prix
  • G06F 17/30 - Recherche documentaire; Structures de bases de données à cet effet

32.

DIGITAL SIGNATURE SYSTEM

      
Numéro de document 02309463
Statut Délivré - en vigueur
Date de dépôt 2000-05-25
Date de disponibilité au public 2000-11-25
Date d'octroi 2010-12-07
Propriétaire JPMORGAN CHASE BANK N.A. (USA)
Inventeur(s) Pavlik, Patrick

Abrégé

A digital signature system includes a data receiver for receiving an electronic document over a network; an encryption key database, and a signature processor in communication with the encryption key database and the data receiver. The encryption key database includes encryption key records, each being associated with a subscriber of the database and identifying an encryption key uniquely associated with the subscriber. The signature processor is configured for receiving an indicator of one of the subscribers and for deriving a digital signature from the received electronic data and the encryption key associated with the one subscriber. Upon receipt of electronic data and an indicator of one of the database subscribers, the digital signature system derives a digital signature from the received electronic data and the encryption key associated with the one database subscriber. Typically, the database subscriber is the originator of the electronic data, and the data originator identifies itself by providing the signature processor with a personal identification number assigned to the data originator. After the digital signature is derived, preferably the digital signature system then transmits the derived digital signature to the data originator.

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

33.

CARDLESS PAYMENT SYSTEM

      
Numéro de document 02374093
Statut Délivré - en vigueur
Date de dépôt 2000-05-10
Date de disponibilité au public 2000-11-16
Date d'octroi 2013-12-03
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s) Campisano, Kurt M.

Abrégé

A credit card holder can complete a transaction without the card. At a point of purchase (10), the card holder provides an alias plus PIN (12) which is sent to a database.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

34.

A VIRTUAL PRIVATE LOCK BOX

      
Numéro de document 02371736
Statut Délivré - en vigueur
Date de dépôt 2000-05-03
Date de disponibilité au public 2000-11-09
Date d'octroi 2006-10-17
Propriétaire JPMORGAN CHASE BANK (USA)
Inventeur(s)
  • O'Leary, Denis
  • D'Agostino, Vincent
  • Re, S. Richard
  • Burney, Jessica
  • Hoffman, Adam

Abrégé

A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconcile accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.

Classes IPC  ?

  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
  • G07F 7/02 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par des clés ou d'autres dispositifs enregistrant un crédit
  • G07F 17/42 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour appareils pour imprimer des tickets ou analogues

35.

METHOD AND SYSTEM FOR PROCESSING INTERNET PAYMENTS USING THE ELECTRONIC FUNDS TRANSFER NETWORK

      
Numéro de document 02371734
Statut Délivré - en vigueur
Date de dépôt 2000-05-02
Date de disponibilité au public 2000-11-09
Date d'octroi 2007-11-20
Propriétaire JPMORGAN CHASE BANK (USA)
Inventeur(s)
  • O'Leary, Denis
  • D'Agostino, Vincent
  • Re, S. Richard
  • Burney, Jessica
  • Hoffman, Adam

Abrégé

A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconcile accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.

Classes IPC  ?

  • G06Q 20/00 - Architectures, schémas ou protocoles de paiement

36.

SYSTEM AND METHOD FOR INTEGRATING TRADING OPERATIONS INCLUDING THE GENERATION, PROCESSING AND TRACKING OF TRADE DOCUMENTS

      
Numéro de document 02358528
Statut Délivré - en vigueur
Date de dépôt 1999-12-23
Date de disponibilité au public 2000-06-29
Date d'octroi 2015-04-14
Propriétaire JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (USA)
Inventeur(s)
  • Halpin, Tom
  • Chow, Zeno
  • Fung, Sammy
  • Layer, Jacqueline
  • Yeung, K. K.
  • Tsim, Man Pui
  • Ko, Patrick
  • Chan, Tak
  • Sun, Albert
  • Toulis, Nicole
  • Yap, Yoke Bee
  • Leung, Kelvin
  • Solomon, Sol
  • Cheung, Stephen

Abrégé

First and second components of the present invention, in combination, provide a customer interface for initiating a trade transaction and provides for the secure viewing of the status of the transaction. A third component hoists in the automatic generation and verification of the voluminous and detailed documents required to support a trade transaction. The third component additionally tracks and assists in the management of the seller's manufacturing and shipment of the goods that form the basis of the trade transaction. A fourth component automatically generates a Letter of Credit from a Purchase Order and performs a reconciliation function on payments made pursuant to Letters of Credit or open Accounts.

Classes IPC  ?

  • G06Q 10/08 - Logistique, p.ex. entreposage, chargement, distribution ou expédition; Gestion d'inventaire ou de stocks, p.ex. exécution d'une commande, approvisionnement ou régularisation par rapport aux commandes
  • G06Q 30/06 - Transactions d'achat, de vente ou de crédit-bail

37.

SYSTEM AND METHOD FOR MULTICURRENCY AND MULTIBANK PROCESSING OVER A NON-SECURE NETWORK

      
Numéro de document 02349472
Statut Délivré - en vigueur
Date de dépôt 1999-11-12
Date de disponibilité au public 2000-05-25
Date d'octroi 2006-03-21
Propriétaire JPMORGAN CHASE BANK (USA)
Inventeur(s)
  • Jou, Brian
  • Adler, Lynn A.
  • Bing, Robert L.
  • Boyle, James M.
  • Briody, Clare K.
  • Emery, Ian K.
  • Moran, Brian A.
  • Mascio, Kenneth

Abrégé

A system and method for initiating multicurrency/multibank wire transfers and account reporting. Using a standard Internet browser, a customer of a financial institution accesses the funds transfer and information reporting system of the present invention. Access to the system is restricted based on the user's security profile and access rights. Once logged into the system, the user provides instructions to move funds from their accounts with the financial institution or funds from an account with any other financial institution. Furthermore, the customer is able to view the details of its accounts maintained at the financial institution or at any other financial institution in the same session. Wire transactions can be in the form of a pre-defined or free formatted instruction. Furthermore, the wire transactions can involve several banks and several different currencies. Once the multibank/multicurrency wire transactions are entered, they can be approved and released by the users with the appropriate security profile and access rights. Customers can retrieve balance and transaction reports from their demand deposit accounts, controlled disbursement accounts and lockbox accounts that they have with the financial institution and with other banks.

Classes IPC  ?

  • G06Q 20/00 - Architectures, schémas ou protocoles de paiement
  • G06Q 30/00 - Commerce, p.ex. achat ou vente, ou commerce électronique
  • G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

38.

MICR LINE DECODING LOGIC SYSTEM

      
Numéro de document 02325466
Statut Délivré - en vigueur
Date de dépôt 1999-03-25
Date de disponibilité au public 1999-09-30
Date d'octroi 2002-02-05
Propriétaire JPMORGAN CHASE BANK, N.A. (USA)
Inventeur(s)
  • Forst, Jon K.
  • Hall, Robert G., Jr.

Abrégé

The present invention is an automated system and method of initiating payments from a payor's checking account pursuant to the payor's authorization during a conversation (33) via telephone, computer terminal or other telecommunication devices with a customer service representative. The automated system initiates a debit (59) from the payor's checking account so that funds are automatically transferred to the payee without generating a paper bank draft check payable to the payee. Regardless as to where the payor banks, as long as the bank complies with American Banking Association Magnetic Ink Character Recognition Line regulations, the system automatically decodes (55) the payor's checking account number and the bank's routing number.

Classes IPC  ?

  • G06F 3/00 - Dispositions d'entrée pour le transfert de données à traiter pour leur donner une forme utilisable par le calculateur; Dispositions de sortie pour le transfert de données de l'unité de traitement à l'unité de sortie, p.ex. dispositions d'interface