Patents by Inventor Craig M. Mullaney

Craig M. Mullaney 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: 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
  • Patent number: 12136082
    Abstract: Systems and methods for dynamic inclusion of enhanced data in transactions are disclosed. According to another embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a mobile wallet payment with dynamic enhanced data using a mobile payment application may include: (1) receiving, from a merchant point of transaction device, a transaction request from a mobile payment application executed by a mobile electronic device, the transaction request comprising a unique identifier for a financial instrument provisioned to a mobile wallet computer application and a payment option selection; and (2) processing the transaction request according to the payment option selection.
    Type: Grant
    Filed: November 29, 2023
    Date of Patent: November 5, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Allison Beer, Craig M. Mullaney, Vimal Brahmbhatt, Brent Samuels
  • 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
  • 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
  • Patent number: 11763313
    Abstract: Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.
    Type: Grant
    Filed: November 14, 2022
    Date of Patent: September 19, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Craig M. Mullaney, Howard Spector, Scott H. Ouellette, Tuan Dao, David G. Seeney
  • Patent number: 11501306
    Abstract: Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.
    Type: Grant
    Filed: February 14, 2019
    Date of Patent: November 15, 2022
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Craig M. Mullaney, Howard Spector, Scott H. Ouellette, Tuan Dao, David G. Seeney
  • Publication number: 20190251565
    Abstract: Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.
    Type: Application
    Filed: February 14, 2019
    Publication date: August 15, 2019
    Inventors: Craig M. Mullaney, Howard Spector, Scott H. Ouellette, Tuan Dao, David G. Seeney