Patents Assigned to JP Morgan Chase Bank, N.A.
  • Patent number: 9972052
    Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.
    Type: Grant
    Filed: February 2, 2016
    Date of Patent: May 15, 2018
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Marcia Keld, Manning Field
  • Patent number: 9424609
    Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.
    Type: Grant
    Filed: March 5, 2014
    Date of Patent: August 23, 2016
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Marcia Keld, Manning Field
  • Patent number: 9286637
    Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.
    Type: Grant
    Filed: September 11, 2013
    Date of Patent: March 15, 2016
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Marcia Keld, Manning Field
  • Patent number: 9143615
    Abstract: A system and method for providing call-back options is disclosed. The method comprises receiving a call in a call routing system, providing at least one call-back option for a caller to receive a call-back, re-allocating resources in the call routing system based at least in part on the at least one call-back option, and calling the caller based on the at least one call-back option. The caller may specify a specific time, a relative time, or a time range when a call-back is preferred. The caller may also specify one or more telephone numbers in combination with the time preferences. The call-back may be initiated by a voice response unit (VRU) and additional call-back options may be presented to the customer who responds to the call-back.
    Type: Grant
    Filed: June 12, 2014
    Date of Patent: September 22, 2015
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Nitin Dhir, Richard H. Hogrogian, Robert Thomas O'Reilly, Jr., Ravi Kappagantu
  • Publication number: 20150039705
    Abstract: Systems and methods for prioritizing electronic messages in an electronic message repository are disclosed. According to one embodiment, a method may include (1) at least one computer processor determining an amount of message review time for a user; (2) the at least one computer processor estimating a number of electronic messages that the user can review in the message review time; (3) the at least one computer processor determining a priority level for a plurality of electronic messages in the user's electronic message repository; (4) the at least one computer processor selecting electronic messages from the user's electronic message repository based on the estimated number of electronic messages that the user can review and the priority level for the electronic messages.
    Type: Application
    Filed: December 2, 2013
    Publication date: February 5, 2015
  • Publication number: 20150039703
    Abstract: Systems and methods for electronic message prioritization are disclosed. According to one embodiment, a method may include (1) accessing a message repository for a user, the message repository comprising a plurality of messages; (2) for each of the plurality of messages: (a) collect user behavior with regard to the message; (b) analyze the message; (c) generate an initial message priority based on the user behavior and the analysis; (d) compare the initial message priority to historical message priority data for the user; and (e) adjust the initial message priority based on the historical message priority data.
    Type: Application
    Filed: December 2, 2013
    Publication date: February 5, 2015
  • Publication number: 20150039704
    Abstract: Systems and methods for graphically representing a plurality of electronic messages in an electronic message repository are disclosed. According to one embodiment, a method may include, for each of a plurality of electronic messages in an electronic message repository: (1) at least one computer processor determining a category for the electronic message; (2) the at least one computer processor determining a topic for the electronic message; and (3) the at least one computer processor identifying at least one related electronic message that is related to the electronic message. The at least one computer processor may graphically represent each of the plurality of electronic messages in relation to at least one of the topic, the category, and the related electronic message.
    Type: Application
    Filed: December 2, 2013
    Publication date: February 5, 2015
  • Patent number: 8788281
    Abstract: This invention relates to a system and method for processing qualified healthcare account transactions (e.g., HFA, Health FSA, and HRA) and non-qualified credit card transactions within a transaction processing system. In particular, this invention relates to a multi-purse payment device associated with a transaction processing system for auto-substantiating qualified healthcare transactions.
    Type: Grant
    Filed: May 6, 2008
    Date of Patent: July 22, 2014
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Tracy Pletz, Joseph Rochford
  • Patent number: 8620786
    Abstract: The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.
    Type: Grant
    Filed: August 6, 2010
    Date of Patent: December 31, 2013
    Assignees: US Bank National Association, JP Morgan Chase Bank, N.A.
    Inventors: Matthew W. Hankins, William F. Mann, Mark Dickelman
  • Patent number: 8447670
    Abstract: A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other financial product. An accountholder may select trigger events and associated benefits. Upon the occurrence of a trigger event, the issuing entity will evaluate whether the accountholder is entitled to receive an associated benefit. Each benefit is intended to address at least one payment obligation. For example, an account may include payment protection in the form of automatic payment of minimum monthly credit card fees should the accountholder involuntarily become unemployed.
    Type: Grant
    Filed: December 23, 2009
    Date of Patent: May 21, 2013
    Assignee: JP Morgan Chase Bank, N.A.
    Inventor: John Mark DeLoach
  • Patent number: 8447672
    Abstract: A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other financial product. An accountholder may select trigger events and associated benefits. Upon the occurrence of a trigger event, the issuing entity will evaluate whether the accountholder is entitled to receive an associated benefit. Each benefit is intended to address at least one payment obligation. For example, an account may include payment protection in the form of automatic payment of minimum monthly credit card fees should the accountholder involuntarily become unemployed.
    Type: Grant
    Filed: April 7, 2011
    Date of Patent: May 21, 2013
    Assignee: JP Morgan Chase Bank, N.A.
    Inventor: John Mark DeLoach
  • Publication number: 20110202452
    Abstract: The present invention is directed to providing borrow coverage services to clients by a conduit lender, while the conduit lender maintains a flat position. The source of supply for the loans is a liquidity pool from existing agent lenders that have enrolled the conduit lender as a borrower.
    Type: Application
    Filed: February 18, 2011
    Publication date: August 18, 2011
    Applicant: JP Morgan Chase Bank, N.A.
    Inventors: Tommy Chan, Jennifer Sclafani, Jeremy M. Dobrick, Rajiv T. Yadlapalli, Matthew Bax, Dean X. Fezza
  • Publication number: 20110060699
    Abstract: A system for and method of tracking a loan from a pool of assets is presented. The pool of assets may be legally owned by a single entity, but with separate individual investors owning an economic beneficial interest in a portion of the pool. The system and method provide a technique that allows for tax transparency for income generated by loans of such individual investor's associated assets. Moreover, the system and method allow for the separate individual investors to be domiciled in different tax jurisdictions.
    Type: Application
    Filed: April 16, 2010
    Publication date: March 10, 2011
    Applicant: JP Morgan Chase Bank, N.A.
    Inventors: Matthew Bax, Gary Plummer, Nitin Babbar, AndyHill, Danielle Rumore
  • Patent number: 7895565
    Abstract: The system and method presented provides a multi-phase, end-to-end integrated process for testing application software using a standard software testing tool. The system and method involve integrating the functional, automated regression and performance phases of software application testing by leveraging deliverables at each phase so that the deliverables may be efficiently reused in subsequent test phases. Deliverables such as functional and technical test conditions and manual test scripts are used as inputs for each phase of the integrated tests. The use of leveraged requirements-based deliverables between test phases significantly reduces much of the repetitive testing typically associated with functionality and performance testing and minimizes repetition of testing errors discovered in earlier test phases.
    Type: Grant
    Filed: March 15, 2006
    Date of Patent: February 22, 2011
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Morrisha Hudgons, Michael E. Frank, Judit Petlickijne, Alex Rheingans
  • Patent number: 7827096
    Abstract: An system for and method of repurchasing stock is presented. The system and method improve upon prior art techniques by limiting risk to an investment bank that enables an accelerated stock repurchase. More particularly, such risk is reduced in the event that the repurchasing company announces higher than expected dividends on the stock during the term of the accelerated repurchase transaction.
    Type: Grant
    Filed: November 5, 2007
    Date of Patent: November 2, 2010
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: James Rothschild, Santosh Nabar, David Seaman
  • Patent number: 7801816
    Abstract: The invention provides a currency selectable stored value instrument, whose currency may be chosen or converted at the time value is loaded, after load but prior to redemption of value, at the time of redemption, or at 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 on Automated Teller Machines (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 currencies.
    Type: Grant
    Filed: January 7, 2003
    Date of Patent: September 21, 2010
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Melissa Alarcon-Luther, Debra C. Fellner, Barry M. Sabloff, Frank Charles Schell, III, Peter Mark Mesrobian, Ginger Griffin, Michelle Dorion, Gus Karris
  • Patent number: 7729982
    Abstract: A method of providing a user with education financing information, includes the acts of: maintaining an electronic site on a computer network to which the user may connect; sending data to the user over the network for presenting at least one electronic screen which contains financial award information concerning a potential student of an educational institution, the financial award information including a monetary award which may be used for the student to attend the educational institution; and sending data to the user over the network when requested for presenting at least one electronic screen which contains cost projection information, the cost projection information being a function of the award and including an amount of money required for the student to attend the educational institution.
    Type: Grant
    Filed: April 4, 2007
    Date of Patent: June 1, 2010
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Leigh-Anne T Ireland, Marilyn Strand, Michele Goldberg, Etienne Winzer
  • Patent number: 7707192
    Abstract: A system and method for distributed database data and file access and retrieval, and managing assets of a company can include the steps of obtaining one or more data elements, storing each of the data elements, determining one or more factors related to a manner in which each of the data elements was obtained, associating a confidence index with each factor, and calculating a confidence index for each of the stored data elements, as well as a composite confidence index for the entire data store, based on the confidence index score for the individual data elements. The system and method can include calculating a confidence index for each of the stored data elements. The factors can include the date that the data elements were obtained. The factors can include from which of one or more sources the data elements were obtained.
    Type: Grant
    Filed: May 23, 2006
    Date of Patent: April 27, 2010
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Samuel W. Lu, Carlos M. Tang
  • Patent number: 7702553
    Abstract: The invention comprises a system and method for converting initial financial transactions into final financial transactions entailing lower transaction fees or which are otherwise more advantageous. According to one embodiment of the invention, a card not present (CNP) transaction is conducted for a remote consumer buying goods/services. When the consumer later arrives at a point of authentication (POA), the consumer is presented with an opportunity to have the CNP transaction effectively converted to a card present (CP) transaction using the same card instrument or a different card instrument. The merchant benefits because the transaction fees are much reduced for the CP transaction compared to the CNP transaction. The consumer may benefit from rewards/rebates or other inducements to authorizing the subsequent transaction.
    Type: Grant
    Filed: June 3, 2008
    Date of Patent: April 20, 2010
    Assignees: JP Morgan Chase Bank, N.A., U.S. Bancorp Licensing, Inc.
    Inventor: Mark Dickelman
  • Patent number: 7702577
    Abstract: The invention comprises a system and method for converting initial financial transactions into final financial transactions entailing lower transaction fees or which are otherwise more advantageous. According to one embodiment of the invention, a card not present (CNP) transaction is conducted for a remote consumer buying goods/services. When the consumer later arrives at a point of authentication (POA), the consumer is presented with an opportunity to have the CNP transaction effectively converted to a card present (CP) transaction using the same card instrument or a different card instrument. The merchant benefits because the transaction fees are much reduced for the CP transaction compared to the CNP transaction. The consumer may benefit from rewards/rebates or other inducements to authorizing the subsequent transaction.
    Type: Grant
    Filed: October 29, 2004
    Date of Patent: April 20, 2010
    Assignees: JP Morgan Chase Bank, N.A., U.S. Bancorp Licensing, Inc.
    Inventor: Mark Dickelman