Patents by Inventor Marcia Keld
Marcia Keld 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: 11816645Abstract: An interaction account management method includes defining a financial network for an account holder, the financial network including at least the account holder and a financial advisor, wherein the financial advisor is associated with the financial institution. The method also includes storing financial account information associated with the account holder in a database, the account holder information including information input by the account holder relating to at least one financing plan. The method further includes accessing the stored account holder information, generating two or more payment options associated with the at least one financing plan based at least in part on the account holder information, receiving a recommendation over the network from the financial advisor, the recommendation relating to the at least one payment option, and displaying, on a user interface associated with a user device, the two or more payment options and recommendation.Type: GrantFiled: June 30, 2020Date of Patent: November 14, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Marcia Keld, Manning Field
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Publication number: 20200334648Abstract: An interaction account management method includes defining a financial network for an account holder, the financial network including at least the account holder and a financial advisor, wherein the financial advisor is associated with the financial institution. The method also includes storing financial account information associated with the account holder in a database, the account holder information including information input by the account holder relating to at least one financing plan. The method further includes accessing the stored account holder information, generating two or more payment options associated with the at least one financing plan based at least in part on the account holder information, receiving a recommendation over the network from the financial advisor, the recommendation relating to the at least one payment option, and displaying, on a user interface associated with a user device, the two or more payment options and recommendation.Type: ApplicationFiled: June 30, 2020Publication date: October 22, 2020Applicant: JPMorgan Chase Bank, N.A.Inventors: Marcia KELD, Manning FIELD
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Patent number: 10733582Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.Type: GrantFiled: July 15, 2016Date of Patent: August 4, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Marcia Keld, Manning Field
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Patent number: 10510080Abstract: A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories.Type: GrantFiled: August 31, 2017Date of Patent: December 17, 2019Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Satyan Ranganath, Stan Szwalbenest, Maura Rose, Marcia Keld, Manning Field, Ryan McInerney
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Patent number: 9972052Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.Type: GrantFiled: February 2, 2016Date of Patent: May 15, 2018Assignee: JP Morgan Chase Bank, N.A.Inventors: Marcia Keld, Manning Field
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Publication number: 20170364919Abstract: A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories.Type: ApplicationFiled: August 31, 2017Publication date: December 21, 2017Inventors: Satyan Ranganath, Stan Szwalbenest, Maura Rose, Marcia Keld, Manning Field, Ryan McInerney
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Patent number: 9779403Abstract: A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories.Type: GrantFiled: November 20, 2012Date of Patent: October 3, 2017Assignee: JPMorgan Chase Bank, N.A.Inventors: Satyan Ranganath, Stan Szwalbenest, Maura Rose, Marcia Keld, Manning Field, Ryan McInerney
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Patent number: 9773247Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system.Type: GrantFiled: February 19, 2009Date of Patent: September 26, 2017Assignee: JPMorgan Chase Bank, N.A.Inventors: Marcia Keld, Manning Field
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Publication number: 20160328687Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.Type: ApplicationFiled: July 15, 2016Publication date: November 10, 2016Inventors: Marcia Keld, Manning Field
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Patent number: 9424609Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.Type: GrantFiled: March 5, 2014Date of Patent: August 23, 2016Assignee: JP Morgan Chase Bank, N.A.Inventors: Marcia Keld, Manning Field
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Publication number: 20160148316Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.Type: ApplicationFiled: February 2, 2016Publication date: May 26, 2016Inventors: Marcia Keld, Manning Field
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Patent number: 9286637Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.Type: GrantFiled: September 11, 2013Date of Patent: March 15, 2016Assignee: JP Morgan Chase Bank, N.A.Inventors: Marcia Keld, Manning Field
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Publication number: 20140330710Abstract: Embodiments of the invention are directed to a computer-implemented method for enhancing payment flexibility implementing a computer processor accessing at least one storage medium. The method includes receiving payment notification including a payment amount and a payment date for an identified customer and determining eligibility for flexible payment status implementing the computer processor, the determination based on the customer identity, the payment date, and a payment due date. The method further includes calculating a flex accrual using the computer processor if the customer is eligible for flexible payment status, the flex accrual based on the payment amount, the payment date, and the payment due date and communicating the flex accrual to the customer. The method additionally includes allowing the identified customer to utilize the flex accrual by making a late payment without penalty, wherein a number of days late and dollars paid are determined based on the flex accrual.Type: ApplicationFiled: July 16, 2014Publication date: November 6, 2014Inventor: Marcia Keld
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Publication number: 20140188680Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.Type: ApplicationFiled: March 5, 2014Publication date: July 3, 2014Inventors: Marcia Keld, Manning Field
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Publication number: 20140188678Abstract: This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a portable electronic device.Type: ApplicationFiled: March 4, 2014Publication date: July 3, 2014Applicant: JPMorgan Chase Bank, N.A.Inventor: Marcia Keld
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Patent number: 8738475Abstract: This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a portable electronic device.Type: GrantFiled: March 28, 2013Date of Patent: May 27, 2014Assignee: JPMorgan Chase Bank, NAInventor: Marcia Keld
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Patent number: 8725602Abstract: This invention relates to an expense reporting system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data. The system includes a user's financial transaction data hosted in a data storage unit, addressable on a network, and accessible by a remote user on a user interface unit having a user input means and a display; and an expense reporting module having a graphical user interface (GUI) that allows a user to define project category data and associate representations of the user's financial data with the user-defined project category data.Type: GrantFiled: July 12, 2013Date of Patent: May 13, 2014Inventor: Marcia Keld
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Patent number: 8712874Abstract: This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a portable electronic device.Type: GrantFiled: August 6, 2013Date of Patent: April 29, 2014Assignee: JPMorgan Chase Bank, N.A.Inventor: Marcia Keld
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Patent number: 8712875Abstract: This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a portable electronic device.Type: GrantFiled: August 15, 2013Date of Patent: April 29, 2014Assignee: JPMorgan Chase Bank, N.A.Inventor: Marcia Keld
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Patent number: 8706579Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.Type: GrantFiled: August 5, 2013Date of Patent: April 22, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Marcia Keld, Manning Field