Patents Assigned to The Chase Manhattan Bank
  • Publication number: 20090043651
    Abstract: A system and method for funding a collective account via aggregating usage of electronic tags is disclosed. The system and method promotes the use of electronic tags, and the funding of collective accounts that may be associated with charitable or other philanthropic causes. Further benefits may be realized by replenishing the prefunded account that serves as the source of funds for the electronic tag to an affinity account that also benefits the charitable or other philanthropic cause.
    Type: Application
    Filed: October 30, 2007
    Publication date: February 12, 2009
    Applicants: First USA Bank, N.A., Bank One Delaware, N.A., Chase Manhattan Bank USA, N.A., Chase Bank USA, N.A., JPMorgan Chase Bank, N.A.
    Inventor: Charles E. Schwarz, JR.
  • Patent number: 7370004
    Abstract: 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/servic
    Type: Grant
    Filed: May 4, 2000
    Date of Patent: May 6, 2008
    Assignee: The Chase Manhattan Bank
    Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
  • Publication number: 20080077462
    Abstract: 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/servic
    Type: Application
    Filed: December 4, 2007
    Publication date: March 27, 2008
    Applicant: The Chase Manhattan Bank
    Inventors: Ameet Patel, Jennifer Holme, Anthony Caiazzo
  • Patent number: 7249095
    Abstract: A system and method for initiating and processing banking deposits. In a preferred embodiment, the system is maintained by a financial institution such as a bank and the bank customers access the system through the Internet. A typical bank customer is a corporate treasurer. The system provides a Graphical User Interface that allows the customers to view the bank's current rates for a plurality of currencies and a plurality of time periods. The time periods for the deposits typically range from overnight to several months. Once the customer has found a time period/rate/currency that is acceptable, the customer selects the desired rate on the customer interface and the system automatically generates a deal ticket that is presented to the customer. The customer can then modify the settlement date, the settlement instructions and the amount of the deposit. Once the customer is satisfied with the deal, the customer submits it for trading.
    Type: Grant
    Filed: June 7, 2001
    Date of Patent: July 24, 2007
    Assignee: The Chase Manhattan Bank, N.A.
    Inventors: Anthony Davies, Dave Lally, Coleman Chang, Teri Resca, Eric Hirschhorn, Eileen Moy
  • Patent number: 7068832
    Abstract: A system and method for imaging and capturing information from checks and documents contained in a lockbox remittance. A computer workstation is used to generate and print a header sheet that includes information identifying the check. The header sheet is appended to the front of the documents and the document are imaged using a scanner. Identifying information from each of the documents is used to create a data record for each document. In parallel to the scanning of the documents, the checks are scanned and images are created for each of the checks. Additionally, identifying information from each of the checks (e.g., the check number, the amount, etc.) is manually input into a database, thus creating a data record for each check.
    Type: Grant
    Filed: May 11, 2000
    Date of Patent: June 27, 2006
    Assignee: The Chase Manhattan Bank
    Inventors: Joanne Price, Sumit Mathur, Paul Mao
  • Patent number: 7062456
    Abstract: As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the electronic files from the various branches of the bank are forwarded to a central back office processing center where the electronic files are combined into a single Transaction Repository. At the end of the branch day, all of the paper associated with the transactions is forwarded from the branches to the back office processing center. The paper transactions are imaged in the conventional manner and the Magnetic Ink Character Recognition (MICR) data is read from the paper. The present invention then automatically correlates the images and MICR data captured from the paper with the complete transaction record contained in the Transaction Repository. Most of the conventional back office processing can now be performed without the need to perform character recognition and without the need for excess human intervention.
    Type: Grant
    Filed: October 7, 1999
    Date of Patent: June 13, 2006
    Assignee: The Chase Manhattan Bank
    Inventors: Louis Riehl, George Anderson
  • Patent number: 7062462
    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: May 2, 2000
    Date of Patent: June 13, 2006
    Assignee: The Chase Manhattan Bank
    Inventors: Leigh-Anne T. Ireland, Marilyn Strand, Michele Goldberg, Etienne Winzer
  • Patent number: 7058817
    Abstract: A system and method for integrating the Internet front end sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial accounts with the institution. During the initial sign up for the online access to its accounts, a customer creates it's User ID and password online during the same session. Once the customer has signed on (password) and verified ownership of at least one account, the system displays all of the customer's accounts that are available for access via the Internet website. The online ownership verification uses only a single account of the customer and the ownership verification criteria associated with the account. The account used for verifying a customer is first determined based on the accounts selected by the customer for accessing online. From the selected accounts, the system of the present invention creates a verification hierarchy with respect to the accounts.
    Type: Grant
    Filed: June 30, 2000
    Date of Patent: June 6, 2006
    Assignee: The Chase Manhattan Bank
    Inventor: Kimberly Ellmore
  • Patent number: 7047532
    Abstract: A messaging system that isolates application programs from the underlying transport and routing mechanisms that are actually used to convey messages. This isolation is provided in part through the use of directory files. The directory files contain all of the specific details (e.g. conversion and routing parameters) necessary to interface with the transport and routing mechanisms. As the transport and routing details change (e.g. due to updated versions or new mechanisms) only the directory files need to be changed. The present invention further includes Message Processing Servers (MPSs) which provide additional messaging functionality such as message storage, tracing, reconciliation, statistical auditing, reformatting, content based routing and multicasting. As additional functionality is developed, this functionality can be flexibly incorporated into a new MPS.
    Type: Grant
    Filed: September 29, 1999
    Date of Patent: May 16, 2006
    Assignee: The Chase Manhattan Bank
    Inventor: Thomas Connelly
  • Publication number: 20060085797
    Abstract: A messaging system that isolates application programs from the underlying transport and routing mechanisms that are actually used to convey messages. This isolation is provided in part through the use of directory files. The directory files contain all of the specific details (e.g. conversion and routing parameters) necessary to interface with the transport and routing mechanisms. As the transport and routing details change (e.g. due to updated versions or new mechanisms) only the directory files need to be changed. The present invention further includes Message Processing Servers (MPSs) which provide additional messaging functionality such as message storage, tracing, reconciliation, statistical auditing, reformatting, content based routing and multicasting. As additional functionality is developed, this functionality can be flexibly incorporated into a new MPS.
    Type: Application
    Filed: November 30, 2005
    Publication date: April 20, 2006
    Applicant: The Chase Manhattan Bank
    Inventor: Thomas Connelly
  • Patent number: 7020631
    Abstract: A method for mortgage and closed end loan portfolio management in the form of an analytic tool designed to improve analysis of past and future performance of loan portfolios. In accordance with one aspect thereof, the invention aggregates loan units into loan vintages, wherein the loans in each vintage originate within a predetermined time interval of one another. The invention compares different vintages to one another in a manner such that the ages of the loans in the different vintages are comparable to one another. An early warning component of the system predicts delinquency rates expected for a portfolio of loans during a forward looking time window.
    Type: Grant
    Filed: May 21, 2001
    Date of Patent: March 28, 2006
    Assignee: The Chase Manhattan Bank
    Inventors: Charles J. Freeman, Xingxiong Xue
  • Patent number: 6704714
    Abstract: 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.
    Type: Grant
    Filed: February 3, 2000
    Date of Patent: March 9, 2004
    Assignee: The Chase Manhattan Bank
    Inventors: Denis O'Leary, Vincent D'Agostino, S. Richard Re, Jessica Burney, Adam Hoffman
  • Publication number: 20040039666
    Abstract: A process for allocating specific assets from a pool of assets to secure a liability. Information concerning each of the assets in the pool of assets is received from at least two sources. A set of validation rules is applied to the information for each asset in the pool of assets and those assets which do not meet the validation rules are rejected. A price is assigned to each non-rejected asset. A subset of the non-rejected assets is allocated to the liability as a function to collateralize the liability.
    Type: Application
    Filed: September 6, 2001
    Publication date: February 26, 2004
    Applicant: The Chase Manhattan Bank
    Inventors: Harold Fudali, Glenn Hett, Dick Dervan, Lincoln Barr, Maureen Ruggeberg (nee Melley)
  • Publication number: 20030208441
    Abstract: A method and system using a communication network such as the Internet to allow registered users the flexibility to pay a bill by using traditional non-electronic payment methods after receiving an e-mail notification. The e-mail notification contains at least summary information which is formatted in the form of a remittance which can be included with the non-electronic form of payment allowing a user to retain the ability to pay a bill non-electronically while still being electronically notified that the bill is coming due. Additionally, a registered user has the option to pay a bill electronically after receiving the e-mail by clicking on an appropriate web address embedded within that e-mail. The registered user will either be directed to a biller website or a Customer Service Provider (CSP) and/or a Business Service Provider (BSP) website and given the option to pay the bill electronically.
    Type: Application
    Filed: January 30, 2001
    Publication date: November 6, 2003
    Applicant: The Chase Manhattan Bank
    Inventors: Thomas W. Poplawski, Khoon-Hong Tan
  • Publication number: 20030208421
    Abstract: A system and method for performing Electronic Check Presentment (ECP) processing. The system and method employ digital imaging techniques to digitally image the physical checks as they arrive subsequent to posting of the ECP items. The images are electronically linked to the data records that represent the checks. During the proofing process, in which the data records for the ECP items are validated against the data records for the physical items, the records are updated such that the posting date and ISN number for the data records for the physical items reflect the posting date and ISN number of the ECP items. As the digital image of the check is electronically linked to the data records, the image is thus carries the posting date and ISN of the ECP item.
    Type: Application
    Filed: December 1, 2000
    Publication date: November 6, 2003
    Applicant: The Chase Manhattan Bank
    Inventors: Tom Vicknair, Sam Beard, Richard Norman, Mark Riggleman, Max Roycroft, Dick Feagin, Cliff Day, Paul Fielding
  • Patent number: 6618579
    Abstract: An electrical circuit which includes a filter bypass mode. The circuit includes an amplifier including an inverting terminal, a noninverting terminal and an output terminal, at least one first capacitor coupled to the inverting terminal of the amplifier through at least one first switch, and, at least one second capacitor coupled to the noninverting terminal of the amplifier through at least one second switch. The electrical circuit provides filtering when the first and second switches are in a first state, and when the first and second switches are in a second state, the electrical circuit provides substantially no filtering.
    Type: Grant
    Filed: September 24, 1999
    Date of Patent: September 9, 2003
    Assignee: Chase Manhattan Bank
    Inventors: Malcolm H. Smith, Valerie J. Risk, Mark K. Lesher
  • Patent number: 6609125
    Abstract: A method for processing an incoming electronic message containing raw data includes the steps of: providing a database having a plurality of stored records, each stored file having searchable data and output data; selecting at least a subset of the raw data from the incoming electronic message to produce search criteria; searching the database to locate a stored record having searchable data substantially matching the search criteria; and automatically replacing at least a subset of the raw data of the incoming electronic message with the output data associated with the located stored record.
    Type: Grant
    Filed: March 23, 1999
    Date of Patent: August 19, 2003
    Assignee: The Chase Manhattan Bank
    Inventors: Mitchell Layne, David C. Kim, Herb Stranzl, Felix Rubinchik, Clare Johannessen
  • Patent number: 6609113
    Abstract: 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.
    Type: Grant
    Filed: February 3, 2000
    Date of Patent: August 19, 2003
    Assignee: The Chase Manhattan Bank
    Inventors: Denis O'Leary, Vincent D'Agostino, S. Richard Re, Jessica Burney, Adam Hoffman
  • Publication number: 20030140004
    Abstract: 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.
    Type: Application
    Filed: January 31, 2003
    Publication date: July 24, 2003
    Applicant: Chase Manhattan Bank
    Inventors: Denis O'Leary, Vincent D'Agostino, S. Richard Re, Jessica Burney, Adam Hoffman
  • Patent number: 6574377
    Abstract: A method and apparatus for storing and retrieving images of documents, e.g. checks.
    Type: Grant
    Filed: July 1, 1999
    Date of Patent: June 3, 2003
    Assignee: The Chase Manhattan Bank
    Inventors: Thomas Cahill, Louise A. McNulty, John J. McMonagle, Richard H. Sferra, Glenn Levine, Saul Goldfisher, Philip Wilson, Vladimir Koroteyev