Patents by Inventor Eric Spector

Eric Spector 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).

  • Publication number: 20240112174
    Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.
    Type: Application
    Filed: December 5, 2023
    Publication date: April 4, 2024
    Inventors: Howard SPECTOR, Eric CONNOLLY, John D MOORE, Nancy E HIEBLER, Michael NAGGAR, Ayman A HAMMAD, Tuan DAO, Venkata MARANANI
  • Publication number: 20240095715
    Abstract: 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: Application
    Filed: November 29, 2023
    Publication date: March 21, 2024
    Inventors: James P. WHITE, III, Eric Han Kai CHANG, Howard SPECTOR, William F. MANN, III
  • Patent number: 11928669
    Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.
    Type: Grant
    Filed: November 17, 2022
    Date of Patent: March 12, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Eric Connolly, John D Moore, Nancy E Hiebler, Michael Naggar, Ayman A Hammad, Tuan Dao, Venkata Maranani
  • Patent number: 11922400
    Abstract: 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: Grant
    Filed: June 8, 2018
    Date of Patent: March 5, 2024
    Inventors: James P. White, III, Eric Han Kai Chang, Howard Spector, William F Mann, III
  • Publication number: 20050004867
    Abstract: Techniques for network-based management and tracking of donations and associated donation information are described. More specifically, a donation management system is described that comprises a group manager module and a donation manager module. The group manager module presents a user interface with which a donor interacts to create a private donation group. Donors may join the private donation group by invitation only and the private donation group generally limits non-member donors from viewing information regarding the private donation group. The donation manager module receives electronic donations from members of the private donation group via a computer network. As such, the donation management system provides a comprehensive and adaptive approach to managing donations in a secure and private manner.
    Type: Application
    Filed: May 17, 2004
    Publication date: January 6, 2005
    Inventor: Eric Spector
  • Publication number: 20020147648
    Abstract: An apparatus and a method are provided for selling at a fuel dispenser merchandise to be shipped to the customer. A point-of-sale (POS) kiosk is provided in a physical proximity of the fuel dispenser. The POS kiosk has a controller and a communication interface. The controller monitors whether fuel is dispensed by the fuel dispenser. A user interface through which a user can select a desired merchandise is provided, after it is determined that fuel is being dispensed by the fuel dispenser. The POS kiosk communicates electronically through the communication interface to obtain customer information corresponding to a shipping address for the selected merchandise from a credit agency and/or a database, with minimal or no input of information by the user for obtaining the shipping address.
    Type: Application
    Filed: July 16, 2001
    Publication date: October 10, 2002
    Inventors: Chris Fadden, Seamus Carroll, Eric Spector, Al Spahn