Patents by Inventor Jeffrey L. Hirka
Jeffrey L. Hirka 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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Patent number: 9646304Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.Type: GrantFiled: July 17, 2006Date of Patent: May 9, 2017Assignee: JPMorgan Chase Bank, N.A.Inventors: William Frederick Mann, III, Jeffrey L. Hirka
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Patent number: 9177302Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.Type: GrantFiled: June 21, 2010Date of Patent: November 3, 2015Assignee: JPMorgan Chase Bank, N.A.Inventors: William Frederick Mann, III, Jeffrey L. Hirka
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Publication number: 20140258102Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: ApplicationFiled: April 22, 2014Publication date: September 11, 2014Applicant: JPMorgan Chase Bank, N.A.Inventors: Jeffrey L. HIRKA, Debra C. FELLNER, Steven FOX, Lee KNACKSTEDT
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Patent number: 8751383Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: GrantFiled: July 17, 2013Date of Patent: June 10, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Jeffrey L. Hirka, Debra C. Fellner, Steven Fox, Lee Knackstedt
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Publication number: 20130304643Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: ApplicationFiled: July 17, 2013Publication date: November 14, 2013Inventors: Jeffrey L. HIRKA, Debra C. FELLNER, Steven FOX, Lee KNACKSTEDT
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Patent number: 8515868Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that is read from the card. This additional data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: GrantFiled: October 18, 2011Date of Patent: August 20, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Jeffrey L. Hirka, Debra C. Fellner, Steven Fox, Lee Knackstedt
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Patent number: 8326766Abstract: A computer-implemented method for facilitating electronic funds transactions is disclosed. According to one embodiment, the method may comprise the steps of: issuing a transaction card to a cardholder by associating the transaction card with a demand deposit account from which the cardholder is authorized to electronically disburse funds; receiving an authorization request for an attempted transaction between a merchant and the cardholder, the authorization request containing information associated with the transaction card and the attempted transaction; processing the authorization request based on one or more predetermined business rules; authorizing the transaction without immediately settling the transaction against the demand deposit account of the cardholder; and settling the transaction, at a time subsequent to the execution of the transaction, through automated clearing house (ACH) from funds retained within the demand deposit account of the cardholder.Type: GrantFiled: April 6, 2007Date of Patent: December 4, 2012Assignee: JPMorgan Chase Bank, N.A.Inventors: Jeffrey L. Hirka, Steven J. Fox
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Publication number: 20120078795Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.Type: ApplicationFiled: December 6, 2011Publication date: March 29, 2012Inventors: William Frederick MANN, III, Jeffrey L. Hirka
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Publication number: 20120036068Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: ApplicationFiled: October 18, 2011Publication date: February 9, 2012Applicant: JPMorgan Chase Bank, N.A.Inventors: Jeffrey L. HIRKA, Debra C. FELLNER, Steven FOX, Lee KNACKSTEDT
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Patent number: 8015084Abstract: A linked account instrument is used to access funds in an existing demand deposit account held at a financial institution. Merchant or other transactions are first processed against a demand deposit account via an electronic authorization network. If the demand deposit account does not have sufficient funds, the transactions may be processed as a credit charge against a designated credit account. The demand deposit account may subsequently be swept at predetermined times in search of funds to defray the overdraft. If adequate funds are present, they will be withdrawn from the demand deposit account, and the credit account will be cleared. Otherwise, the instrument holder's daily purchasing abilities may be temporarily suspended until the credit account is settled. The processing of overdraft amounts may be on a FIFO, smallest-first or other basis.Type: GrantFiled: September 6, 2000Date of Patent: September 6, 2011Assignee: JPMorgan Chase Bank, N.A.Inventors: Jeffrey L. Hirka, Steven J. Fox
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Publication number: 20110127324Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: ApplicationFiled: December 30, 2010Publication date: June 2, 2011Inventors: Jeffrey L. Hirka, Debra C. Fellner, Steven Fox, Lee Knackstedt
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Publication number: 20110131103Abstract: A linked account instrument is used to access funds in an existing demand deposit account held at a financial institution. Merchant or other transactions are first processed against a demand deposit account via an electronic authorization network. If the demand deposit account does not have sufficient funds, the transactions may be processed as a credit charge against an designated credit account. The demand deposit account may subsequently be swept at predetermined times in search of funds to defray the overdraft. If adequate funds are present, they will be withdrawn from the demand deposit account, and the credit account will be cleared. Otherwise, the instrument holder's daily purchasing abilities may be temporarily suspended until the credit account is settled. The processing of overdraft amounts may be on a FIFO, smallest-first or other basis.Type: ApplicationFiled: January 4, 2011Publication date: June 2, 2011Inventors: Jeffrey L. Hirka, Debra C. Fellner, Steven Fox, Lee Knackstedt
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Publication number: 20110131133Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: ApplicationFiled: December 30, 2010Publication date: June 2, 2011Inventors: Jeffrey L. Hirka, Debra C. Fellner, Steven Fox, Lee Knackstedt
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Patent number: 7890422Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to transaction data and account identification data that is read from the card. This additional data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: GrantFiled: July 9, 2008Date of Patent: February 15, 2011Assignee: JPMorgan Chase Bank, N.A.Inventors: Jeffrey L. Hirka, Debra C. Fellner, Steven Fox, Lee Knackstedt
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Patent number: 7860789Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that is read from the card. This additional data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.Type: GrantFiled: July 24, 2002Date of Patent: December 28, 2010Assignee: JPMorgan Chase Bank, N.A.Inventors: Jeffrey L. Hirka, Debra C. Fellner, Steven Fox, Lee Knackstedt
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Publication number: 20100257098Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.Type: ApplicationFiled: June 21, 2010Publication date: October 7, 2010Inventors: William Frederick Mann, III, Jeffrey L. Hirka
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Patent number: 7783578Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.Type: GrantFiled: January 25, 2006Date of Patent: August 24, 2010Assignee: JPMorgan Chase Bank, N.A.Inventors: William Frederick Mann, III, Jeffrey L. Hirka
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Publication number: 20090192940Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.Type: ApplicationFiled: April 10, 2009Publication date: July 30, 2009Inventors: William Frederick Mann, III, Jeffrey L. Hirka
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Patent number: 7103576Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.Type: GrantFiled: September 21, 2001Date of Patent: September 5, 2006Assignee: First USA Bank, NAInventors: William Frederick Mann, III, Jeffrey L. Hirka
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Patent number: 7099850Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.Type: GrantFiled: September 21, 2001Date of Patent: August 29, 2006Assignee: JPMorgan Chase Bank, N.A.Inventors: William Frederick Mann, II, Jeffrey L. Hirka