Patents Assigned to The JPMorgan Chase Bank, N.A.
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Patent number: 10579362Abstract: The invention relates to a computer implemented system that automates software ATM deployment and configuration. The innovative system initiates a software build process for one or more remote ATM devices; receives, from a remote ATM device, a self-identification request to retrieve configuration data specific to the requesting remote ATM device; accesses, at the datacenter, the configuration data for the remote ATM device from the standardized repository; transmits the configuration data; compares the self-identification request from the remote ATM device with the configuration data from the standardized repository; and remotely executes the software build process on the remote ATM device.Type: GrantFiled: July 21, 2017Date of Patent: March 3, 2020Assignee: JPMorgan Chase Bank, N.A.Inventors: Jon Maehler, Saket A. Pradhan, Joseph R. McCullough
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Publication number: 20200065846Abstract: A computer-implemented method and electronic system are provided in which payment information is exchanged between a buyer and a seller. A user interface is provided that facilitates seller selection of an identified payment data and amount for early payment. The system operates on the seller selections to identify invoices that may be discounted based on seller selections and offers the discount to the buyer.Type: ApplicationFiled: October 30, 2019Publication date: February 27, 2020Applicant: JPMorgan Chase Bank, N.A.Inventors: Xuan MCRAE, Duc Lam, Matthew Roland
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Publication number: 20200065727Abstract: A method of determining a supplier risk index (SRI) for a supplier. The method includes: determining an inherent risk rating of the supplier based on risk attributes of the supplier; performing a control assessment of the supplier to determine a control assessment result; quantifying other risk attributes; and calculating the SRI, by a processor, based on the inherent risk rating, the assessment result, and the other risk attributes in order for an organization to make better informed supplier selection decisions and reduce supplier risk.Type: ApplicationFiled: August 16, 2019Publication date: February 27, 2020Applicant: JPMorgan Chase Bank, N.A.Inventors: Jim CONNELL, Dolly K. SINGH, Stephanie SHARP, Chandrashekar D. KASIBHATTA
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Patent number: 10572877Abstract: In certain embodiments, a computer-implemented method includes determining, by a processor, characteristics of a new transaction and processing, by the processor, the characteristics of the new transaction using a risk assessment model. The risk assessment model is generated using an iterative training process that processes, over time, historical transactions to train the risk assessment model based on characteristics of historical transactions and associated risk assessment analysis of the historical transactions. The method includes generating, by the processor, a risk assessment indicator for the new transaction based on processing the characteristics of the new transaction using the risk assessment model. The risk assessment indicator indicates a degree of risk of the new transaction.Type: GrantFiled: October 14, 2015Date of Patent: February 25, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Elizabeth Polanco Aquino, Vahram Avagyan
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Publication number: 20200057764Abstract: Systems and methods are provided for self-learning natural language predictive searching including receiving a first input, the first input being related to the desired outcome; retrieving a first information related to the first input; determining a first output based on at least the first input and the first information; outputting the first output; receiving a second input based on the outputted first output in response to the first output being different from the desired outcome, the second input being related to the desired outcome; retrieving, by the processor, a second information related to the second input; determining a second output based on at least the second input, the second information, the first input and the first information; and outputting the second output.Type: ApplicationFiled: August 8, 2019Publication date: February 20, 2020Applicant: JPMorgan Chase Bank, N.A.Inventors: Kevin CHIN, Chandrasekaran BALASUBRAMANIAN, Krishnan P. SANKARAN
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Patent number: 10565594Abstract: A system controls a transaction from initiation to completion using live vendor inventory database and purchaser entered parameters from a mobile application. A network interface receives parameters entered by the subscribers through the mobile application on the subscriber mobile device and receives inventory updates from vendor systems, the inventory updates including at least a vendor price and identifying information. The system communicates with an accounts server to confirm subscriber funds and place a hold on subscriber funds equal to the required subscriber price and implementing a matching algorithm to detect matching results by determining if any vendor prices and identifying information satisfy any required subscriber prices and descriptions. The system transmits an alert to the subscriber mobile device with matching results, receives a selection from the subscriber of at least one of the matching results, conducting payment processing for the matching result and closes the transaction.Type: GrantFiled: January 28, 2016Date of Patent: February 18, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Devin C. Moore, Ryan A. Schlosser
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Patent number: 10565584Abstract: Systems and methods for gift card linking are disclosed. According to one embodiment, a method for processing a payment using a linked stored value instrument may include (1) receiving, from a merchant, a payment request for a transaction, the payment request comprising an identification of a transaction amount and a transaction account; (2) at least one computer processor retrieving a stored value instrument for the merchant that is associated with the transaction account; and (3) the at least one computer processor causing the stored value instrument to be debited for a first portion of the transaction amount.Type: GrantFiled: January 30, 2019Date of Patent: February 18, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Joseph P. Arnone, Quoc Nguyen, Heather Spinnenweber
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Patent number: 10565632Abstract: A system controls a transaction from initiation to completion using live vendor inventory database and purchaser entered parameters from a mobile application. A network interface receives parameters entered by the subscribers through the mobile application on the subscriber mobile device and receives inventory updates from vendor systems, the inventory updates including at least a vendor price and identifying information. The system communicates with an accounts server to confirm subscriber funds and place a hold on subscriber funds equal to the required subscriber price and implementing a matching algorithm to detect matching results by determining if any vendor prices and identifying information satisfy any required subscriber prices and descriptions. The system transmits an alert to the subscriber mobile device with matching results, receives a selection from the subscriber of at least one of the matching results, conducting payment processing for the matching result and closes the transaction.Type: GrantFiled: December 22, 2015Date of Patent: February 18, 2020Assignee: JPMORGAN CHASE BANK. N.A.Inventors: Devin Moore, Ryan Andrew Schlosser
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Publication number: 20200050770Abstract: Various methods, apparatuses/systems, and media for managing vulnerability data are provided. A processor allows ingestion of vulnerability data from an external database into a local database which then makes the vulnerability data available for review via a graphical user interface (GUI). The processor also compares a risk score associated with each vulnerability included in the vulnerability data to a predefined threshold value; modifies, based on a determination that the risk score exceeds the predefined threshold value, the risk score by receiving user input via the GUI in accordance with risk information applicable to systems managed and operated by an organization; and updates a list of vulnerabilities of the vulnerability data stored in the local database by supplementing with the modified risk score without overwriting the risk score associated with each vulnerability initially received from the external database.Type: ApplicationFiled: August 8, 2019Publication date: February 13, 2020Applicant: JPMorgan Chase Bank, N.A.Inventors: Bryan S. INAGAKI, Christopher SANSONE, Ainsley G. RATTRAY
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Publication number: 20200050772Abstract: Systems and methods for composite code generation for high security transactions and document tracking are disclosed. In one embodiment, a method for conducting a transaction using a composite code may include (1) receiving a transaction request from a user, the transaction request comprising a first composite code; (2) at least one computer processor authenticating the user using a user profile for the user; (3) the at least one computer processor retrieving a transaction that is associated with the first composite code; (4) the at least one computer processor verifying that the transaction is consistent with the user profile; (5) the at least one computer processor receiving a user action for the transaction; and (6) completing the transaction using the user action.Type: ApplicationFiled: March 10, 2014Publication date: February 13, 2020Applicant: JPMORGAN CHASE Bank, N.A.Inventor: Eren KURSUN
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Publication number: 20200043089Abstract: Systems and methods for achieving persistent interaction comprise receiving a first communication via a first communication channel, the first communication including a first service request; initiating a response to the first service request; storing information related to a first context of the first communication; in response to the first communication being terminated, storing a first stage information related to completion of the response to the first service request; receiving a second communication via a second communication channel, the second communication including a second service request; in response to the first service request being the same as the second service request, retrieving the information related to the first context; retrieving the first stage information; resuming the response to the first service request; storing information related to a second context and a second stage of completion of the second service request; and storing a second stage of completion of the response.Type: ApplicationFiled: July 18, 2019Publication date: February 6, 2020Applicant: JPMorgan Chase Bank, N.A.Inventor: Craig MURRAY
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Patent number: 10554818Abstract: A computing system and method for request management receive an incoming customer request at a request management server. Components at the server identify a type of problem associated with the request and the customer sending the request. The system searches for a customer experience profile for the identified customer in a customer database stored in a computer memory and determines based on the customer experience profile if the customer has prior experience solving the type of problem identified. The system routes the customer to an abbreviated resolution process when the customer has prior experience solving the identified type of problem and resolves the request using the abbreviated resolution process.Type: GrantFiled: September 29, 2017Date of Patent: February 4, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventor: Richard A. Hall
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Patent number: 10554810Abstract: Embodiments of the invention are related generally to systems and methods for routing and administering TTY calls on behalf of individuals who may be deaf and/or hearing-impaired and/or speech-impaired. The invention provides for systems and methods which are operable to both streamline the routing of non-TTY calls, which are often mistakenly made to TTY phone numbers, as well as to better administer TTY calls to true TTY callers. In the present invention, TTY calls are routed to an operator, who may be presented with a real-time feed of TTY calls received by themselves and/or by other operators. Further, search functionality and exportation of data from the system provide additional functionality for users. In embodiments of the invention, data associated with this system may be used to allow for more effective management of a TTY system by users and/or system administrators.Type: GrantFiled: October 7, 2016Date of Patent: February 4, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Michael J. Merullo, Leepika Dhillon, Richard H Hogrogian, Ivie Okor
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Patent number: 10552425Abstract: The invention relates to a computer-implemented system and method for automatically utilizing data from a document. The method may comprise the steps of: receiving a document; automatically scanning the document to identify at least one data field in the document; proposing a document definition to a user based on the scan; receiving an acceptance or modification of the document definition from the user through the user interface; automatically extracting at least one data element and at least one data field from the document using the document definition; automatically searching an existing database for at least one data element or data field that matches the data element or data field extracted from the document; and storing a link between at least one of the extracted data element or data field and a data element or data field in the existing database.Type: GrantFiled: April 28, 2016Date of Patent: February 4, 2020Assignee: JPMorgan Chase Bank, N.A.Inventors: Robert Carter, Jarek R. Whiteside, Matthew Kenneth Chiogioji, Trevor Smith, Guillermo Chu, Christelle Joseph, Crystal A. Wyatt, Pankaj Gupta
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Patent number: 10545957Abstract: The invention relates to a Batch Stored Procedure Tool. An embodiment of the present invention may read a control file containing the name of a stored procedure to be tested, along with its corresponding input parameters and other key data. An embodiment of the present invention may then call the specified stored procedure using a dynamically-built parameter list. The system may then display or generate input/output parameter values. If the stored procedure in question has a result set(s), the system may fetch the desired number of rows from each result set and display the columns as well.Type: GrantFiled: July 7, 2017Date of Patent: January 28, 2020Assignee: JPMorgan Chase Bank, N.A.Inventor: Robert A. Winiarski
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Patent number: 10541982Abstract: Embodiments of the present invention provides a data protection solution which can efficiently tokenize sensitive data submitted by a user device to a public cloud and de-tokenize any tokenized response from the cloud. A small, in-memory token map may be looked up to facilitate the two-way conversions between sensitive data and tokenized data. The token map can be flexibly configured, it may be generated and/or changed on the fly, and its design could preserve data format and provide multilingual support. The innovative tokenization process is fast, secure, scalable through cloud-native design but less costly as compared to prior approaches.Type: GrantFiled: June 2, 2017Date of Patent: January 21, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Felix C. P. Lee, Jacky C. T. Chan, Lydia L. C. Wong
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Patent number: 10540646Abstract: Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers with merchant integration. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity. The steps may also include storing the receipt data and format for easy receipt capture on a subsequent purchase.Type: GrantFiled: October 25, 2016Date of Patent: January 21, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Ryan A. Schlosser, Alex Lieberman, Michelle Y. Zheng
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Patent number: 10540373Abstract: Methods and systems for managing and maintaining a library including organized categories of legal clauses for access by a user in a network computing environment. A clause library manager is provided for identifying a clause for inclusion in a library including multiple clauses. A clause profile including identifying information associated with the clause is generated for the identified clause. A rating is determined for the clause and added to the clause profile. The clause is categorized into a clause category based on the clause profile.Type: GrantFiled: February 28, 2014Date of Patent: January 21, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Max E. Iori, Daryl Wooldridge
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Patent number: 10534626Abstract: Methods, non-transitory computer readable media, and unified command center (UCC) server devices that provide a graphical user interface (GUI) configured to dynamically display one or more parameter input fields for one or more parameters in response to selection of a command. The parameter input fields are identified based on stored command data for the selected command. Task data for a task is then obtained via the GUI. The task data includes at least an indication of the selected command, one or more values for the parameters received via the parameter input fields, and an indication of a database instance. A command line is generated based on the task data. The command line is automatically executed using stored core source code and a stored run command script for a platform associated with the database instance to initiate performance of the task on a target device hosting the database instance.Type: GrantFiled: June 4, 2018Date of Patent: January 14, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventor: Yavuz Ibrahim Dogan
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Patent number: 10528978Abstract: A system and methods for management and delivery of content and rules is disclosed. An exemplary method may comprise managing, for an organization, a plurality of data and a plurality of content in separate database entities, wherein the plurality of content is associated with the plurality of data based on a plurality of rules; packaging the plurality of rules with the plurality of content in a carrier that is independent from one or more presentation channels, wherein at least part of the plurality of content is integrated with at least part of the plurality of data; delivering the plurality of data and the carrier to the one or more presentation channels; integrating, at the one or more presentation channels, the plurality of data with the plurality of content based on the plurality of rules; and distributing the integrated data and content through the one or more presentation channels.Type: GrantFiled: August 20, 2013Date of Patent: January 7, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Margaret S. Brenner, Scott C. Proud