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).
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Publication number: 20240095717Abstract: 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: ApplicationFiled: November 29, 2023Publication date: March 21, 2024Inventors: Howard SPECTOR, Allison BEER, Craig M. MULLANEY, Vimal BRAHMBHATT, Brent SAMUELS
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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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Patent number: 11763313Abstract: 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: GrantFiled: November 14, 2022Date of Patent: September 19, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Craig M. Mullaney, Howard Spector, Scott H. Ouellette, Tuan Dao, David G. Seeney
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Publication number: 20230196338Abstract: 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: ApplicationFiled: February 23, 2023Publication date: June 22, 2023Inventors: Howard SPECTOR, Allison BEER, Craig M. MULLANEY, Vimal BRAHMBHATT, Brent SAMUELS
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Publication number: 20230076359Abstract: 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: ApplicationFiled: November 14, 2022Publication date: March 9, 2023Inventors: Craig M. MULLANEY, Howard SPECTOR, Scott H. OUELLETTE, Tuan DAO, David G. SEENEY
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Patent number: 11501306Abstract: 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: GrantFiled: February 14, 2019Date of Patent: November 15, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Craig M. Mullaney, Howard Spector, Scott H. Ouellette, Tuan Dao, David G. Seeney
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Publication number: 20220101328Abstract: Systems, methods, and devices for assigning a transaction risk score are disclosed. According to one embodiment, a method for generating a transaction risk score may include: (1) receiving, by a transaction scoring service computer program and from an electronic device, a merchant URL that is being accessed by an application or a browser executed on the electronic device; (2) retrieving, by the transaction scoring service computer program, a plurality of transactions involving the merchant URL; (3) generating, by the transaction scoring service computer program, a risk score for the merchant URL based on the plurality of transactions; (4) generating, by the transaction scoring service computer program, a warning in response to the risk score exceeding a predetermined threshold; and (5) communicating, by the transaction scoring service computer program, the warning to the application or the browser.Type: ApplicationFiled: September 28, 2021Publication date: March 31, 2022Inventors: Ralph DARMO, Jeremiah C. OLVER, Tuan DAO, Howard SPECTOR, Scott H. OUELLETTE, Craig M. MULLANEY, Donna BEATTY
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Publication number: 20220067734Abstract: Systems and methods for conducting transactions using cards with keys are disclosed. In one embodiment, a method may include: receiving, at a backend for a financial institution in a transaction, a unique identifier for a card, a key read from the card by a card reading device, and additional data received by the card reading device, the card reading device associated with a merchant; retrieving, by the backend, stored additional data associated with the unique identifier; retrieving, by the backend, a stored key associated with the unique identifier in response to the received additional data matching the stored additional data; confirming, by the backend, that the received key and the stored key are related; retrieving, by the backend, a payment mechanism for the transaction; conducting, by the backend, the transaction with the retrieved payment mechanism; and settling, by the backend, the transaction with the merchant.Type: ApplicationFiled: September 1, 2021Publication date: March 3, 2022Inventors: Jeremiah C. OLVER, Scott H. OUELLETTE, Craig M. MULLANEY
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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
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Publication number: 20200273039Abstract: Systems and methods for automated fraud-type identification and decisioning are disclosed. In one embodiment, a method may include: (1) receiving, from a fraud detection system, an identification of a fraudulent transaction with a merchant; (2) determining that the fraudulent transaction was conducted using a digital wallet; (3) determining that the fraudulent transaction is associated with a linked merchant account; (4) retrieving a transaction history with the merchant and determining that the fraudulent transaction is a result of merchant account take over by: (a) determining that the transaction history only includes valid transactions with the merchant prior to the fraudulent transaction; (b) determining that the transaction history includes only valid digital wallet transactions with the merchant prior to the fraudulent transaction; and (c) determining that the transaction history includes a digital wallet transaction. with the linked merchant account.Type: ApplicationFiled: February 25, 2020Publication date: August 27, 2020Inventors: Sunil MATHUR, Dana E. RUST, Stanley A. SZWALBENEST, James J. WHITE, Craig M. MULLANEY, Michael SPILOTRO, Chad GOLDEN, Kyle GNAGY
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Publication number: 20190251565Abstract: 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: ApplicationFiled: February 14, 2019Publication date: August 15, 2019Inventors: Craig M. Mullaney, Howard Spector, Scott H. Ouellette, Tuan Dao, David G. Seeney