Patents by Inventor Eric Han Kai Chang
Eric Han Kai Chang 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: 20240095715Abstract: Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.Type: ApplicationFiled: November 29, 2023Publication date: March 21, 2024Inventors: James P. WHITE, III, Eric Han Kai CHANG, Howard SPECTOR, William F. MANN, III
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Patent number: 11922400Abstract: Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.Type: GrantFiled: June 8, 2018Date of Patent: March 5, 2024Inventors: James P. White, III, Eric Han Kai Chang, Howard Spector, William F Mann, III
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Patent number: 11922354Abstract: Systems and methods for determining the efficiency of an organization by analyzing data feeds from various applications are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor a method for measuring efficiency may include: (1) receiving, from an enterprise software program, raw data related to an entity's performance; (2) calculating a plurality of efficiency metrics based on the raw data; (3) identifying a recommended action based on one of the efficiency metrics; and (4) automatically implementing the recommended action.Type: GrantFiled: November 18, 2020Date of Patent: March 5, 2024Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Shawn Wesley Alexander, Daniel D. McQuiston, Eric Han Kai Chang, James P. White, III, Erin Michelle Perry
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Patent number: 11663656Abstract: The invention relates to a system and method that implements a customer account automation framework. A mobile device or system comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: identify one or more rules, each rule comprising an event and an action, wherein the one or more rules comprise one of: notification, confirmation and automation and an associated device; receive one or more rule suggestions automatically generated based on customer behavior and transaction data; receive one or more sponsored rule suggestions automatically generated based on sponsor data; accept at least one suggested rule, wherein the suggested rule comprises a corresponding event and a corresponding action; detect an occurrence of the event; and automatically perform the action.Type: GrantFiled: December 16, 2021Date of Patent: May 30, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: James P. White, III, Eric Han Kai Chang
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Patent number: 11514914Abstract: Systems and methods for an intelligent virtual assistant for meetings are disclosed. In one embodiment, a system for an intelligent virtual assistant for meeting may include a server comprising at least one computer processor executing a virtual assistant computer program; a communication server in communication with the server; and a plurality of communication devices in communication with the server and the communication server, wherein the communication server facilitates an electronic meeting with a plurality of attendees via the plurality of communication devices. The virtual assistant may receive at least an audio feed and a video feed of the electronic meeting in real-time, may transcribe the audio feed using a speech-recognition algorithm, may provide the transcription to at least one of the plurality of attendees, may receive an edited transcription, and may update the speech recognition algorithm based on the edited transcription.Type: GrantFiled: February 5, 2020Date of Patent: November 29, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Daniel D McQuiston, Aarti Narayanan, Dave Burrells, Simon Burke, Jan S Dabrowski, Rhys Dawes, Charlotte Knight, Libby Kent, Sandeep Koul, Uday Pant, Tony M Nazarowski, Aditi Vaidya, Ayush Kumar Bilala, Charanjith Allaparambil Chandran, Prayag Godha, Nikhil Kotikanikadanam Madhusudhan, Chitra Pillai Sundaribai, Aditya Anil Upadhyay, Eric Han Kai Chang, Stefan Cristian Bardasu, Erin Michelle Perry, Saifuddin Merchant, James P White, III
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Patent number: 11436586Abstract: Systems and methods for account agnostic transaction routing are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for account agnostic transaction routing may include: (1) receiving an identifier for a first financial instrument for a transaction being conducted at a point of transaction; (2) retrieving a plurality of financial instruments associated with the identifier, the plurality of financial instruments comprising the first financial instrument; (3) retrieving at least one transaction routing rule associated with the plurality of financial instruments, the transaction routing rule specifying a condition for using one of the plurality of financial instruments; (4) identifying one of the plurality of financial instruments for conducting the transaction based on the transaction and the transaction routing rule; and (5) settling the transaction with the identified financial instrument.Type: GrantFiled: May 25, 2018Date of Patent: September 6, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: James P. White, III, Eric Han Kai Chang, Howard Spector, William F. Mann, III
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Patent number: 11403313Abstract: Systems and methods for providing dynamic visualization of application and infrastructure components are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a system for providing dynamic visualization of application and infrastructure components may include: (1) receiving, at an interface and from a requestor, a request for information about an application or infrastructure; (2) querying one or more systems of record or a data cache containing data from the one or more systems of record for data about the application or infrastructure components within the infrastructure; (3) formatting the data received from the one or more systems of record or the data cache according to a data definition; (4) identifying relational links between the applications and the infrastructure components in the formatted data; and (5) graphically rendering the formatted data and relational links in a plurality of interactive levels.Type: GrantFiled: July 23, 2019Date of Patent: August 2, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Matthew E. Duncan, Robert S. Newnam, Richard A. Hall, Eric Han Kai Chang
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Patent number: 11315107Abstract: Systems and methods for automatically enabling and disabling a purchase card based on predetermined preferences set by a cardholder are provided. The systems and methods enable users to set preferences in advance, and then automatically determine whether to accept or decline a transaction based on the preset preferences. The systems and methods may also implement a learning algorithm to develop preferences based on historical cardholder behavior.Type: GrantFiled: March 13, 2019Date of Patent: April 26, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Nicholas Fisher, Dipak K. Mukhopadhyay, Howard Abramowitz, Gabriella M. Tolotta, Priyanka Malkoti, Noor Shadid, Edward Zlatsen, James P. White, III, John L. Oliver, III, Eric Han Kai Chang, Sudheer K. Vankadara
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Publication number: 20220108389Abstract: The invention relates to a system and method that implements a customer account automation framework. A mobile device or system comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: identify one or more rules, each rule comprising an event and an action, wherein the one or more rules comprise one of: notification, confirmation and automation and an associated device; receive one or more rule suggestions automatically generated based on customer behavior and transaction data; receive one or more sponsored rule suggestions automatically generated based on sponsor data; accept at least one suggested rule, wherein the suggested rule comprises a corresponding event and a corresponding action; detect an occurrence of the event; and automatically perform the action.Type: ApplicationFiled: December 16, 2021Publication date: April 7, 2022Inventors: James P. WHITE, III, Eric Han Kai CHANG
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Patent number: 11232515Abstract: The invention relates to a method and system that implements a customer account automation framework. A mobile device or system comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: identify one or more rules, each rule comprising an event and an action, wherein the one or more rules comprise one of: notification, confirmation and automation and an associated device; receive one or more rule suggestions automatically generated based on customer behavior and transaction data; receive one or more sponsored rule suggestions automatically generated based on sponsor data; accept at least one suggested rule, wherein the suggested rule comprises a corresponding event and a corresponding action; detect an occurrence of the event; and automatically perform the action.Type: GrantFiled: March 17, 2017Date of Patent: January 25, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: James P. White, III, Eric Han Kai Chang
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Patent number: 11195157Abstract: Systems and methods for efficiently conducting a commercial transaction involving a gratuity are provided. The systems and methods enable users to set tipping preferences in advance so as to be applied automatically during subsequent commercial transactions.Type: GrantFiled: February 28, 2019Date of Patent: December 7, 2021Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Noor Shadid, Eric Han Kai Chang, Mark Wagner, James P. White, III, Julia Elyasheva
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Publication number: 20210357924Abstract: Systems and methods for distributed ledger based distributed transaction processing as a brokered service are disclosed. In one embodiment, a method for generating a plurality of user transaction profiles may include: (1) receiving, at a computer program for a trusted entity, a transaction involving an account for a user; (2) retrieving, by the computer program, transaction profile information for the user, the transaction profile specifying a plurality of transaction profiles for the user, each transaction profile having a different anonymity level; and (3) writing, by the computer program and on a distributed ledger, the transaction to each transaction profile at the anonymity level for the transaction profile. The transaction profiles on the distributed ledger are linked to each other.Type: ApplicationFiled: May 13, 2021Publication date: November 18, 2021Inventors: James A. TWING, Eric Han Kai CHANG, Tony M. NAZAROWSKI, Mizan MIAH
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Patent number: 11132661Abstract: The invention relates to a method and system that processes a plurality of transactions shared by a group of members. A mobile device comprises: a memory; and a computer processor, coupled to the memory, programmed to: identify a plurality of members of a group sharing an event; identify a plurality of transactions made by each member of the group; determine whether each transaction is relevant to the event; automatically add each relevant transaction to the group; automatically categorize each transaction into a category associated with the event; and access, via an interactive display on the mobile device, a running total of expenses associated with the event and an individual share for a member of the group at a point in time.Type: GrantFiled: March 17, 2017Date of Patent: September 28, 2021Assignee: JPMorgan Chase Bank, N.A.Inventors: James P. White, III, Eric Han Kai Chang
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Publication number: 20210158258Abstract: Systems and methods for determining the efficiency of an organization by analyzing data feeds from various applications are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor a method for measuring efficiency may include: (1) receiving, from an enterprise software program, raw data related to an entity's performance; (2) calculating a plurality of efficiency metrics based on the raw data; (3) identifying a recommended action based on one of the efficiency metrics; and (4) automatically implementing the recommended action.Type: ApplicationFiled: November 18, 2020Publication date: May 27, 2021Inventors: Shawn Wesley ALEXANDER, Daniel D. MCQUISTON, Eric Han Kai CHANG, James P. WHITE, III, Erin Michelle PERRY
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Publication number: 20200311709Abstract: The invention relates to a method and system that processes distributed transactions. A mobile device that processes distributed transactions comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: request a distributed transaction for a transaction at a merchant; identify a plurality of co-payors based on a geo-location proximity determination; receive a distributed transaction code; share the distributed transaction code with each of the plurality of co-payors; identify a split factor for the transaction; and automatically settle the transaction for a portion of a transaction amount determined by the split factor.Type: ApplicationFiled: June 27, 2016Publication date: October 1, 2020Inventors: James P. WHITE, III, Eric Han Kai CHANG
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Publication number: 20200258525Abstract: Systems and methods for an intelligent virtual assistant for meetings are disclosed. In one embodiment, a system for an intelligent virtual assistant for meeting may include a server comprising at least one computer processor executing a virtual assistant computer program; a communication server in communication with the server; and a plurality of communication devices in communication with the server and the communication server, wherein the communication server facilitates an electronic meeting with a plurality of attendees via the plurality of communication devices. The virtual assistant may receive at least an audio feed and a video feed of the electronic meeting in real-time, may transcribe the audio feed using a speech-recognition algorithm, may provide the transcription to at least one of the plurality of attendees, may receive an edited transcription, and may update the speech recognition algorithm based on the edited transcription.Type: ApplicationFiled: February 5, 2020Publication date: August 13, 2020Inventors: Daniel D. MCQUISTON, Aarti NARAYANAN, Dave BURRELLS, Simon BURKE, Jan S. DABROWSKI, Rhys DAWES, Charlotte KNIGHT, Libby KENT, Sandeep KOUL, Uday PANT, Tony M. NAZAROWSKI, Aditi VAIDYA, Ayush Kumar BILALA, Charanjith Allaparambil CHANDRAN, Prayag GODHA, Nikhil Kotikanikadanam MADHUSUDHAN, Chitra Pillai SUNDARIBAI, Aditya Anil UPADHYAY, Eric Han Kai CHANG, Stefan Cristian BARDASU, Erin Michelle PERRY, Saifuddin MERCHANT, James P. WHITE, III
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Publication number: 20200258074Abstract: Systems and methods for implementing vehicle-based payments are disclosed.Type: ApplicationFiled: February 6, 2020Publication date: August 13, 2020Inventors: Eric Han Kai CHANG, James P. WHITE, III, Noor SHADID, John L. OLIVER, III, Erin Michelle PERRY, Daniel D. MCQUISTON, Saifuddin MERCHANT
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Publication number: 20200193506Abstract: A system and method of storing purchase card information to enable a consumer to make purchases without carrying a separate purchase card for a plurality of accounts at disparate financial institutions. The system and method may additionally provide a consumer with vendor product and service offerings in a format common across multiple vendors. The system and method may also provide the consumer with a way to pay for products and services using purchase card information stored by an exemplary embodiment.Type: ApplicationFiled: December 18, 2018Publication date: June 18, 2020Inventors: Richard A. Hall, James P. White, III, Eric Han Kai Chang, Scott H. Ouellette, Winter P. Ng, Howard Spector, Benjamin H. Sansom, Erin Michelle Perry
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Publication number: 20200026701Abstract: Systems and methods for providing dynamic visualization of application and infrastructure components are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a system for providing dynamic visualization of application and infrastructure components may include: (1) receiving, at an interface and from a requestor, a request for information about an application or infrastructure; (2) querying one or more systems of record or a data cache containing data from the one or more systems of record for data about the application or infrastructure components within the infrastructure; (3) formatting the data received from the one or more systems of record or the data cache according to a data definition; (4) identifying relational links between the applications and the infrastructure components in the formatted data; and (5) graphically rendering the formatted data and relational links in a plurality of interactive levels.Type: ApplicationFiled: July 23, 2019Publication date: January 23, 2020Inventors: Matthew E. DUNCAN, Robert S. NEWNAM, Richard A. HALL, Eric Han Kai CHANG
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Publication number: 20190287094Abstract: Systems and methods for automatically enabling and disabling a purchase card based on predetermined preferences set by a cardholder are provided. The systems and methods enable users to set preferences in advance, and then automatically determine whether to accept or decline a transaction based on the preset preferences. The systems and methods may also implement a learning algorithm to develop preferences based on historical cardholder behavior.Type: ApplicationFiled: March 13, 2019Publication date: September 19, 2019Applicant: JPMorgan Chase Bank, N.A.Inventors: Nicholas FISHER, Dipak K. MUKHOPADHYAY, Howard ABRAMOWITZ, Gabriella M. TOLOTTA, Priyanka MALKOTI, Noor SHADID, Edward ZLATSEN, James P. WHITE, III, John L. OLIVER, III, Eric Han Kai CHANG, Sudheer K. VANKADARA