Patents by Inventor Manning R. Field
Manning R. Field 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: 10878399Abstract: The invention relates to a mobile device that makes payment for items without having to physically interact with a cashier terminal, the mobile device comprising: a memory that stores data associated with an account and a user; a microprocessor, coupled to the memory, programmed to perform the following: detect the mobile device entering a merchant location; activate a precheck feature on the mobile device upon the mobile device entering a merchant location; identify one or more items for checkout based on a sensor corresponding to each item; calculate a total amount for the one or more items; automatically initiate a charge for the total amount when the mobile device departs the merchant location; and deduct the total amount of the charge from a funding source.Type: GrantFiled: July 2, 2015Date of Patent: December 29, 2020Assignee: JPMorgan Chase Bank, N.A.Inventors: Ajinkya P. Joglekar, Manning R. Field
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Patent number: 10817935Abstract: The invention relates to a digital card comprising: a memory that stores data associated with an account and a user; a sensor that detects a user's fingerprint to identify the user; a display on the digital card that displays an identification associated with the user and a card number upon activation of the digital card responsive to the user's fingerprint; a microprocessor, coupled to the memory, sensor and the display, programmed to perform the following: monitor spend activity on the digital card; determine the user's credit worthiness based at least in part on the monitored spend activity; and automatically update the display on the digital card responsive to the user's credit worthiness and spend activity.Type: GrantFiled: July 2, 2015Date of Patent: October 27, 2020Assignee: JPMorgan Chase Bank, N.A.Inventors: Ajinkya P. Joglekar, Manning R. Field
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Patent number: 10769699Abstract: The invention relates to a computer-implemented system and method for providing travel information to a customer of a business such as a financial institution, according to one example.Type: GrantFiled: December 5, 2014Date of Patent: September 8, 2020Assignee: JPMorgan Chase Bank, N.A.Inventors: Ajinkya P. Joglekar, Manning R. Field
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Patent number: 10762521Abstract: The invention relates to a computer-implemented system and method for loyalty integration to facilitate redemption of rewards using a mobile device. According to an embodiment of the present invention, a system and method comprise the steps of: connecting a merchant app, associated with a merchant, with a funding source associated with a financial institution, wherein the merchant app provides a merchant program to the user; identifying a number of points for conversion to stored value on the merchant app; converting the number of points to a stored value amount on the merchant app; loading the merchant app with the stored value; and responsive to a user request on the merchant app, performing a payment transaction for a purchase using the converted stored value.Type: GrantFiled: June 1, 2015Date of Patent: September 1, 2020Assignee: JPMorgan Chase Bank, N.A.Inventors: Ajinkya P. Joglekar, Manning R. Field
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Patent number: 10713641Abstract: The invention relates to a mobile device that enables a user to send a digital tip to a recipient as a standalone transaction, the mobile device comprising: a memory that stores data associated with an account and a user; a microprocessor, executing a mobile application, the processor coupled to memory and programmed to: identify whether the mobile device is near a service provider based on a geofence (or other boundary); display a prompt on the mobile device to send a tip to a mobile device of the service provider in response to the mobile device's proximity to the service provider and a prior service interaction which is independent of an underlying transaction; transmit a tip message informing the service provider of the tip and debit an amount of the tip from an account associated with a consumer.Type: GrantFiled: September 10, 2015Date of Patent: July 14, 2020Assignee: JPMorgan Chase Bank, N.A.Inventors: Lionel Nicolau, Ajinkya P. Joglekar, Manning R. Field
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Publication number: 20200211059Abstract: The invention relates to a computer-implemented system and method for providing travel and lodging information to a customer of a business such as a financial institution, according to one example. The method may comprise the steps of: storing customer profile data; storing hotel profile data on a plurality of hotels; sending to the customer's mobile device a list of candidate hotels and hotel amenities; receiving from the customer's mobile device a selection of a hotel within the list of candidate hotels; inviting the customer to make a special request to the selected hotel and relaying the customer's special request to the selected hotel; and prior to the customer's arrival at the selected hotel, sending to the selected hotel a data set including customer profile data that is derived from financial transactions independent of the selected hotel and other data maintained by the business and not maintained by the selected hotel.Type: ApplicationFiled: December 16, 2014Publication date: July 2, 2020Inventors: Ajinkya P. JOGLEKAR, Manning R. FIELD
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Publication number: 20200126105Abstract: The invention relates to a mobile device that assists a customer to reach one or more purchase goals, comprising: a memory that stores data associated with an account and a user; a microprocessor, coupled to the memory, programmed to perform the following: identify a purchase goal on the mobile device; detect a purchase made using the mobile device; based on a funding factor, calculate a funding amount for a purchase amount of the purchase; add the calculated funding amount to a funding account; determine when the funding account has reached an amount for the purchase goal; identify a customer incentive related to the purchase goal; automatically notify the customer of the purchase goal with the customer incentive; and initiate a purchase transaction for the purchase goal using the funding account.Type: ApplicationFiled: July 2, 2015Publication date: April 23, 2020Inventors: Ajinkya P. JOGLEKAR, Manning R. FIELD
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Publication number: 20190042983Abstract: Systems and methods for planning, booking and/or sharing a travel itinerary are disclosed. The system may comprise processor that is programmed to: (1) receive content from a financial institution which may include a number of points accumulated by a cardholder; a recommendation as to at least one item on a travel itinerary; and a number of points required to purchase at least one item on a travel itinerary; (2) generate a web page that may include a visual depiction of at least one travel destination and the number of points accumulated by the cardholder; (3) transmit the webpage to the cardholder; and (4) receive from the cardholder a request to book at least one item on the travel itinerary using the points.Type: ApplicationFiled: March 12, 2013Publication date: February 7, 2019Applicant: JPMorgan Chase Bank, N.A.Inventor: Manning R. Field
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Patent number: 10049376Abstract: The invention relates to a computer-implemented system and method for enabling the use of rewards cash or points with a mobile device at a merchant's point of sale device, according to one example. The method may comprise the steps of: acquiring information about the location of a mobile device of an account holder; sending information to the mobile device identifying one or more nearby merchants at which the account holder is able to make a payment with the mobile device using a rewards currency associated with an account of the account holder; sending to the mobile device an available rewards currency amount that can be applied to a purchase; receiving a selected rewards currency amount that the account holder elects to apply to the purchase; and initiating a generation of an electronic payment signal by the mobile device for the total purchase amount.Type: GrantFiled: October 2, 2014Date of Patent: August 14, 2018Assignee: JPMorgan Chase Bank, N.A.Inventors: Ajinkya P. Joglekar, Manning R. Field, Neil I. Seideman
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Patent number: 10049399Abstract: Systems and methods for intelligent gift registries are disclosed. In one embodiment, a method for using an intelligent gift registry may include: (1) receiving, from a gift receiver, an identification of at least one gift receiver interest; (2) receiving, from a gift giver, an identification of at least one gift giver interest; (3) at least one computer processor generating a gift giving suggestion list comprising at least one gift giving suggestion and based on the at least one gift receiver interest and the at least one gift giver interest; (4) providing, to the gift giver, the gift suggestion list; and (5) receiving, from one of the gift giver, a gift selection.Type: GrantFiled: August 10, 2017Date of Patent: August 14, 2018Assignee: JPMorgan Chase Bank, N.A.Inventor: Manning R. Field
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Patent number: 9760934Abstract: Systems and methods for intelligent gift registries are disclosed. In one embodiment, a method for using an intelligent gift registry may include: (1) receiving, from a gift receiver, an identification of at least one gift receiver interest; (2) receiving, from a gift giver, an identification of at least one gift giver interest; (3) at least one computer processor generating a gift giving suggestion list comprising at least one gift giving suggestion and based on the at least one gift receiver interest and the at least one gift giver interest; (4) providing, to the gift giver, the gift suggestion list; and (5) receiving, from one of the gift giver, a gift selection.Type: GrantFiled: September 25, 2013Date of Patent: September 12, 2017Assignee: JPMorgan Chase Bank, N.A.Inventor: Manning R. Field
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Publication number: 20160350789Abstract: The invention relates to a computer-implemented system and method for loyalty integration to facilitate redemption of rewards using a mobile device. According to an embodiment of the present invention, a system and method comprise the steps of: connecting a merchant app, associated with a merchant, with a funding source associated with a financial institution, wherein the merchant app provides a merchant program to the user; identifying a number of points for conversion to stored value on the merchant app; converting the number of points to a stored value amount on the merchant app; loading the merchant app with the stored value; and responsive to a user request on the merchant app, performing a payment transaction for a purchase using the converted stored value.Type: ApplicationFiled: June 1, 2015Publication date: December 1, 2016Inventors: Ajinkya P. JOGLEKAR, Manning R. FIELD
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Patent number: 8725611Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: determining a designated event using the programmed computer processor; determining parameters associated with the designated event using the programmed computer processor; providing incentives to the user via the network, wherein the incentives comprise upgrades, discounts or access associated with the designated event; determining whether a transaction is associated with the designated event using the programmed computer processor; rewarding at least one benefit to the transactions associated with the designated event using the programmed computer processor; and allowing a user to selectively pay down transactions or balance amount(s) associated with the designated event.Type: GrantFiled: February 17, 2009Date of Patent: May 13, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Heather Margaret Emerson, Jennifer C. McGarry
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Patent number: 8706625Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.Type: GrantFiled: February 5, 2013Date of Patent: April 22, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
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Patent number: 8622308Abstract: Various account transaction devices are disclosed. One account transaction device comprises a top portion having a front side and a back side, wherein the front side includes a first account and the back side includes at least one identifier associated with a second account. The device also comprises a bottom portion having a front side and a back side, wherein the front side includes the second account and the back side includes at least one identifier associated with the first account. Also, a hinge connecting the top portion to the bottom portion, wherein the top and second portions are relatively movable between a first closed position where the top portion displays the first account and the bottom portion displays the at least one identifier associated with the first account and a second closed position where the top portion displays the at least one identifier associated with the second account and the bottom portion displays the second account.Type: GrantFiled: January 7, 2009Date of Patent: January 7, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Manning R. Field, Walter Brent Reinhard, Marcia Keld
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Patent number: 8554652Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: receiving a time-based spending alert threshold designation from a user via the network; receiving at least one category of transaction designations from the user via the network, wherein each of the categories is associated with a portion of the time-based spending alert threshold designation; automatically allocating user transactions among the categories using the programmed computer processor; notifying the user via the network of the portion of the time-based spending alert threshold designation for a particular category that is being approached or surpassed; and automatically modifying the portion of the time-based spending alert threshold designation for the particular category for the upcoming period of time if the limit is surpassed, wherein the modification is performed by the programmed computer processor.Type: GrantFiled: February 17, 2009Date of Patent: October 8, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
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Patent number: 8538876Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.Type: GrantFiled: April 12, 2012Date of Patent: September 17, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
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Patent number: 8459562Abstract: A system and method for processing transactions using a multi-account transaction device. The method comprises the steps of: receiving at least one transaction particular relating to a transaction conducted with a multi-account transaction device; determining at least one first desired account associated with the multi-account transaction device to which the transaction will be posted; posting the transaction to the at least one first desired account; receiving at least one second desired account to which at least a portion of the transaction should be posted; posting the at least a portion of the transaction to the at least one second desired account; and reconciling the at least one first desired account.Type: GrantFiled: September 11, 2009Date of Patent: June 11, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Manning R. Field, Walter Brent Reinhard
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Publication number: 20120209761Abstract: A system and method providing a borrowing scheme.Type: ApplicationFiled: April 12, 2012Publication date: August 16, 2012Applicant: JPMORGAN CHASE BANK, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
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Patent number: 8190522Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.Type: GrantFiled: September 17, 2009Date of Patent: May 29, 2012Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry