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).
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Patent number: 12646065Abstract: 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: GrantFiled: August 20, 2024Date of Patent: June 2, 2026Assignee: 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
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Publication number: 20250259163Abstract: 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: ApplicationFiled: April 3, 2025Publication date: August 14, 2025Inventors: Craig M. MULLANEY, David Christopher CAREY, Sridhar ARAVAMUDHAN, Julia ELYASHEVA, Alwin M. THOMAS
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Patent number: 12333526Abstract: 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: GrantFiled: January 27, 2021Date of Patent: June 17, 2025Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Craig M. Mullaney, David Christopher Carey, Sridhar Aravamudhan, Julia Elyasheva, Alwin M. Thomas
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Publication number: 20250117519Abstract: 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: ApplicationFiled: December 17, 2024Publication date: April 10, 2025Inventors: 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
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Publication number: 20240412211Abstract: 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: ApplicationFiled: August 20, 2024Publication date: December 12, 2024Inventors: Craig M. MULLANEY, Kevin J. STAUFFER, Tuan DAO, Alwin M. THOMAS, Gary W. MOYER, Sakthi MUTHUSWAMY, Sachin GADIYAR, Muzeeb MOHAMMAD, Prashant G. PARANJAPE
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Patent number: 12131327Abstract: 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: GrantFiled: October 27, 2023Date of Patent: October 29, 2024Assignee: 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
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Publication number: 20240054491Abstract: 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: ApplicationFiled: October 27, 2023Publication date: February 15, 2024Inventors: Craig M. MULLANEY, Kevin J. STAUFFER, Tuan DAO, Alwin M. THOMAS, Gary W. MOYER, Sakthi MUTHUSWAMY, Sachin GADIYAR, Muzeeb MOHAMMAD, Prashant G. PARANJAPE
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Patent number: 11836722Abstract: 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: GrantFiled: July 22, 2020Date of Patent: December 5, 2023Assignee: 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
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Publication number: 20210233066Abstract: 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: ApplicationFiled: January 27, 2021Publication date: July 29, 2021Inventors: Craig M. MULLANEY, David Christopher CAREY, Sridhar ARAVAMUDHAN, Julia ELYASHEVA, Alwin M. THOMAS
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Publication number: 20210027296Abstract: 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: ApplicationFiled: July 22, 2020Publication date: January 28, 2021Inventors: Craig M. MULLANEY, Kevin J. STAUFFER, Tuan DAO, Alwin M. THOMAS, Gary W. MOYER, Sakthi MUTHUSWAMY, Sachin GADIYAR, Muzeeb MOHAMMAD, Prashant G. PARANJAPE