Patents by Inventor Alwin M. THOMAS

Alwin M. THOMAS 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: 12646065
    Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.
    Type: Grant
    Filed: August 20, 2024
    Date of Patent: June 2, 2026
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Craig M. Mullaney, Kevin J. Stauffer, Tuan Dao, Alwin M. Thomas, Gary W. Moyer, Sakthi Muthuswamy, Sachin Gadiyar, Muzeeb Mohammad, Prashant G. Paranjape
  • Publication number: 20250259163
    Abstract: Systems and methods for payment token provisioning with variable risk evaluation are disclosed. In one embodiment, a method may include: an issuer backend: (1) receiving, from an electronic wallet application, a payload comprising an identification of a card to be provisioned to the mobile electronic device; (2) determining that the card is eligible for provisioning to the mobile electronic device; (3) generating a card payload and communicating the card payload to the payment network, wherein the payment network creates a payment token for the card comprising payment token origin information; (4) receiving the payment token from the payment network and generating a risk profile for the payment token; and (5) activating the payment token in response to the validation.
    Type: Application
    Filed: April 3, 2025
    Publication date: August 14, 2025
    Inventors: Craig M. MULLANEY, David Christopher CAREY, Sridhar ARAVAMUDHAN, Julia ELYASHEVA, Alwin M. THOMAS
  • Patent number: 12333526
    Abstract: Systems and methods for payment token provisioning with variable risk evaluation are disclosed. In one embodiment, a method may include: an issuer backend: (1) receiving, from an electronic wallet application, a payload comprising an identification of a card to be provisioned to the mobile electronic device; (2) determining that the card is eligible for provisioning to the mobile electronic device; (3) generating a card payload and communicating the card payload to the payment network, wherein the payment network creates a payment token for the card comprising payment token origin information; (4) receiving the payment token from the payment network and generating a risk profile for the payment token; and (5) activating the payment token in response to the validation.
    Type: Grant
    Filed: January 27, 2021
    Date of Patent: June 17, 2025
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Craig M. Mullaney, David Christopher Carey, Sridhar Aravamudhan, Julia Elyasheva, Alwin M. Thomas
  • Publication number: 20250117519
    Abstract: Systems and methods for redacted statement delivery to third-party institutions are disclosed. A method may include: receiving a request for a statement from a third-party backend; retrieving a list comprising a plurality of available statements; providing the list of the plurality of available statements to the third-party backend; retrieving a selection of one of the plurality of available statements; identifying metadata for data fields in a statement template; generate the selected statement using the statement template and embedding the metadata in data fields of the statement; identifying a redaction reason; identifying redaction metadata associated with the redaction reason; redact data fields in the statement having metadata matching the redaction reason metadata; storing the redacted statement in a temporary store; and returning a path for the temporary store to the third-party backend, wherein the third-party backend may retrieve the redacted statement from the temporary store.
    Type: Application
    Filed: December 17, 2024
    Publication date: April 10, 2025
    Inventors: Dave Christopher CAREY, Alwin M. THOMAS, Seun AKINYOSOYE, Amit PENDSE, Derek MCCOY, Gagandeep K. DUA, Arthur DE LOTTO, Kathy S. WONG, Rajesh SWAMY, Ravneet SINGH
  • Publication number: 20240412211
    Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.
    Type: Application
    Filed: August 20, 2024
    Publication date: December 12, 2024
    Inventors: Craig M. MULLANEY, Kevin J. STAUFFER, Tuan DAO, Alwin M. THOMAS, Gary W. MOYER, Sakthi MUTHUSWAMY, Sachin GADIYAR, Muzeeb MOHAMMAD, Prashant G. PARANJAPE
  • Patent number: 12131327
    Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.
    Type: Grant
    Filed: October 27, 2023
    Date of Patent: October 29, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Craig M. Mullaney, Kevin J. Stauffer, Tuan Dao, Alwin M. Thomas, Gary W. Moyer, Sakthi Muthuswamy, Sachin Gadiyar, Muzeeb Mohammad, Prashant G. Paranjape
  • Publication number: 20240054491
    Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.
    Type: Application
    Filed: October 27, 2023
    Publication date: February 15, 2024
    Inventors: Craig M. MULLANEY, Kevin J. STAUFFER, Tuan DAO, Alwin M. THOMAS, Gary W. MOYER, Sakthi MUTHUSWAMY, Sachin GADIYAR, Muzeeb MOHAMMAD, Prashant G. PARANJAPE
  • Patent number: 11836722
    Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.
    Type: Grant
    Filed: July 22, 2020
    Date of Patent: December 5, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Craig M. Mullaney, Kevin J. Stauffer, Tuan Dao, Alwin M. Thomas, Gary W. Moyer, Sakthi Muthuswamy, Sachin Gadiyar, Muzeeb Mohammad, Prashant G. Paranjape
  • Publication number: 20210233066
    Abstract: Systems and methods for payment token provisioning with variable risk evaluation are disclosed. In one embodiment, a method may include: an issuer backend: (1) receiving, from an electronic wallet application, a payload comprising an identification of a card to be provisioned to the mobile electronic device; (2) determining that the card is eligible for provisioning to the mobile electronic device; (3) generating a card payload and communicating the card payload to the payment network, wherein the payment network creates a payment token for the card comprising payment token origin information; (4) receiving the payment token from the payment network and generating a risk profile for the payment token; and (5) activating the payment token in response to the validation.
    Type: Application
    Filed: January 27, 2021
    Publication date: July 29, 2021
    Inventors: Craig M. MULLANEY, David Christopher CAREY, Sridhar ARAVAMUDHAN, Julia ELYASHEVA, Alwin M. THOMAS
  • Publication number: 20210027296
    Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.
    Type: Application
    Filed: July 22, 2020
    Publication date: January 28, 2021
    Inventors: Craig M. MULLANEY, Kevin J. STAUFFER, Tuan DAO, Alwin M. THOMAS, Gary W. MOYER, Sakthi MUTHUSWAMY, Sachin GADIYAR, Muzeeb MOHAMMAD, Prashant G. PARANJAPE