Patents by Inventor Jennifer Holme
Jennifer Holme has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
-
Patent number: 9978089Abstract: Systems and methods provide for personalizing interaction between a provider using a integrated knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to a provider can made via multiple different incoming channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests and selects personalized offers and/or personalized content and/or personalized format presentation to be provided to the users.Type: GrantFiled: December 14, 2011Date of Patent: May 22, 2018Assignee: JPMorgan Chase, N.A.Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20140040044Abstract: Systems and methods personalize interaction between an intermediary system, a plurality of consumers, and a plurality of third party providers of products and services. For each consumer, a plurality of personalized value propositions may be generated for various products and/or services. The value propositions have personalized terms such that the same good or service offered to one consumer may be offered on different terms to another consumer. The system may generate a list of personalized value propositions for each consumer corresponding to various products and/or services to promote to that consumer. When a consumer interacts with the intermediary system, one value proposition from the list may be selected for presentation. In other embodiments, a plurality of value propositions from the list may be selected for presentation to a consumer as a package.Type: ApplicationFiled: October 16, 2013Publication date: February 6, 2014Applicant: JPMorgan Chase Bank, N.A.Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20140012683Abstract: Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a debt management system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated debt management system that services these requests and selects personalized offers and/or personalized content and/or personalized format presentation to be provided to the users.Type: ApplicationFiled: September 11, 2013Publication date: January 9, 2014Applicant: JPMorgan Chase Bank, N.A.Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20130346246Abstract: Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests and selects personalized offers and/or personalized content and/or personalized format presentation to be provided to the users.Type: ApplicationFiled: August 22, 2013Publication date: December 26, 2013Applicant: JPMorgan Chase Bank, N.A.Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20130246189Abstract: Systems and methods personalize interaction between a central server system, a plurality of consumers, and a plurality of providers of information regarding products and services of potential interest. For each consumer, a plurality potential offers may be generated for various products and/or services. The system may generate a list of personalized offers for each consumer corresponding to various products and/or services to promote to that consumer. When a consumer interacts with the central server system, a response results in the delivery of responsive content as well as personalized offer content. Consumers can interact with the system over a variety of communication channels and user devices, including ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others.Type: ApplicationFiled: May 9, 2013Publication date: September 19, 2013Applicant: JPMorgan Chase Bank, N.A.Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20130238447Abstract: Systems and methods personalize interaction between an intermediary system, a plurality of consumers, and a plurality of third party providers of products and services. For each consumer, a plurality of personalized value propositions may be generated for various products and/or services. The value propositions have personalized terms such that the same good or service offered to one consumer may be offered on different terms to another consumer. The system may generate a list of personalized value propositions for each consumer corresponding to various products and/or services to promote to that consumer. When a consumer interacts with the intermediary system, one value proposition from the list may be selected for presentation. In other embodiments, a plurality of value propositions from the list may be selected for presentation to a consumer as a package.Type: ApplicationFiled: April 25, 2013Publication date: September 12, 2013Applicant: JPMorgan Chase Bank, N.A.Inventors: Ameet Patel, Jennifer Holme
-
Publication number: 20130151349Abstract: Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests. The user requests are serviced in such a manner that they are personalized in multiple aspects to enrich the user's experience.Type: ApplicationFiled: February 7, 2013Publication date: June 13, 2013Applicant: JPMorgan Chase Bank, N.A.Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Patent number: 8326694Abstract: A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/servicType: GrantFiled: March 18, 2011Date of Patent: December 4, 2012Assignee: JPMorgan Chase Bank, N.A.Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20120150659Abstract: Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others.Type: ApplicationFiled: December 14, 2011Publication date: June 14, 2012Inventors: Ameet PATEL, Jennifer HOLME, Anthony CAIAZZO
-
Publication number: 20120123824Abstract: Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests. The user requests are serviced in such a manner that they are personalized in multiple aspects to enrich the user's experience.Type: ApplicationFiled: December 14, 2011Publication date: May 17, 2012Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20120116880Abstract: Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests.Type: ApplicationFiled: December 14, 2011Publication date: May 10, 2012Inventors: Ameet Patel, Jennifer Holme
-
Publication number: 20110173077Abstract: A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/servicType: ApplicationFiled: March 18, 2011Publication date: July 14, 2011Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Patent number: 7949574Abstract: A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/servicType: GrantFiled: November 29, 2007Date of Patent: May 24, 2011Assignee: JPMorgan Chase Bank, NAInventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Patent number: 7865605Abstract: The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.Type: GrantFiled: June 16, 2008Date of Patent: January 4, 2011Assignee: Citibank, N.A.Inventors: Kenneth R. Brown, John D'Onofrio, James Ellerbee, Jay Gould, Jennifer Holme, Peter J. Lupario, Umesh Marthi
-
Publication number: 20080270291Abstract: The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.Type: ApplicationFiled: June 16, 2008Publication date: October 30, 2008Inventors: Kenneth R. Brown, John D'Onofrio, James Ellerbee, Jay Gould, Jennifer Holme, Peter J. Lupario, Umesh Marthi
-
Patent number: 7389355Abstract: The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.Type: GrantFiled: April 10, 2002Date of Patent: June 17, 2008Assignee: Citibank, N.A.Inventors: Kenneth R. Brown, John D'Onofrio, James Ellerbee, Jay Gould, Jennifer Holme, Peter J. Lupario, Umesh Marthi
-
Patent number: 7370004Abstract: A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/servicType: GrantFiled: May 4, 2000Date of Patent: May 6, 2008Assignee: The Chase Manhattan BankInventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20080086402Abstract: A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/servicType: ApplicationFiled: November 29, 2007Publication date: April 10, 2008Inventors: Ameet PATEL, Jennifer HOLME, Anthony CAIAZZO
-
Publication number: 20080077462Abstract: A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/servicType: ApplicationFiled: December 4, 2007Publication date: March 27, 2008Applicant: The Chase Manhattan BankInventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
-
Publication number: 20020188674Abstract: The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.Type: ApplicationFiled: April 10, 2002Publication date: December 12, 2002Inventors: Kenneth R. Brown, John D'Onofrio, James Ellerbee, Jay Gould, Jennifer Holme, Peter J. Lupario, Umesh Marthi