Patents by Inventor Craig Mullaney

Craig 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: 11893575
    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: February 23, 2023
    Date of Patent: February 6, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Allison Beer, Craig Mullaney, Vimal Brahmbhatt, Brent Samuels
  • Publication number: 20230306411
    Abstract: System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.
    Type: Application
    Filed: June 5, 2023
    Publication date: September 28, 2023
    Inventors: Tuan DAO, Howard SPECTOR, Craig MULLANEY, Ayman HAMMAD, Stanley M. DeVAN, Soumyajit GHOSH, Sangameswara PANCHOMARTHI
  • Patent number: 11727389
    Abstract: System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.
    Type: Grant
    Filed: June 18, 2018
    Date of Patent: August 15, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Tuan Dao, Howard Spector, Craig Mullaney, Ayman Hammad, Stanley M. Devan, Soumyajit Ghosh, Sangameswara Panchomarthi
  • Patent number: 11620639
    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: February 28, 2018
    Date of Patent: April 4, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Allison Beer, Craig Mullaney, Vimal Brahmbhatt, Brent Samuels
  • Publication number: 20190385151
    Abstract: System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.
    Type: Application
    Filed: June 18, 2018
    Publication date: December 19, 2019
    Inventors: Tuan Dao, Howard Spector, Craig Mullaney, Ayman Hammad, Stanley M. Devan, Soumyajit Ghosh, Sangameswara Panchomarthi
  • Publication number: 20180253705
    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: Application
    Filed: February 28, 2018
    Publication date: September 6, 2018
    Inventors: Howard Spector, Allison Beer, Craig Mullaney, Vimal Brahmbhatt, Brent Samuels