Patents by Inventor Michael Naggar
Michael Naggar 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: 20240112174Abstract: 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: ApplicationFiled: December 5, 2023Publication date: April 4, 2024Inventors: Howard SPECTOR, Eric CONNOLLY, John D MOORE, Nancy E HIEBLER, Michael NAGGAR, Ayman A HAMMAD, Tuan DAO, Venkata MARANANI
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Patent number: 11928669Abstract: 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: GrantFiled: November 17, 2022Date of Patent: March 12, 2024Assignee: 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
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Publication number: 20230081810Abstract: 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: ApplicationFiled: November 17, 2022Publication date: March 16, 2023Inventors: Howard SPECTOR, Eric CONNOLLY, John D MOORE, Nancy E HIEBLER, Michael NAGGAR, Ayman A HAMMAD, Tuan DAO, Venkata MARANANI
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Patent number: 11544699Abstract: 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: GrantFiled: August 31, 2018Date of Patent: January 3, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Howard Spector, Eric L. Connolly, John D. Moore, Nancy E. Hiebler, Michael Naggar, Ayman Hammad, Tuan Dao, Venkat Maranani
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Publication number: 20220374900Abstract: Systems, methods, and devices for integrating a first party service into a second party computer application are disclosed. In one embodiment, in a financial institution comprising at least one computer processor, a method for integrating a financial services payment service into a merchant computer application may include (1) receiving customer electronic device information from a customer electronic device using a first communication channel; (2) transmitting a passcode to the customer electronic device using a second communication channel; (3) receiving the passcode from the customer electronic device over the first communication channel; (4) sending a session identifier to electronic device over first communication channel; (5) receiving the session identifier from a merchant host; and (6) sending an authentication value to a merchant host. The merchant host may provide the authentication value to the customer electronic device.Type: ApplicationFiled: July 27, 2022Publication date: November 24, 2022Inventors: Scott H. OUELLETTE, Nasir KHAN, Robert M. SOULCHIN, Michael K. O'LEARY, Michael NAGGAR
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Patent number: 11429971Abstract: Systems, methods, and devices for integrating a first party service into a second party computer application are disclosed. In one embodiment, in a financial institution comprising at least one computer processor, a method for integrating a financial services payment service into a merchant computer application may include (1) receiving customer electronic device information from a customer electronic device using a first communication channel; (2) transmitting a passcode to the customer electronic device using a second communication channel; (3) receiving the passcode from the customer electronic device over the first communication channel; (4) sending a session identifier to electronic device over first communication channel; (5) receiving the session identifier from a merchant host; and (6) sending an authentication value to a merchant host. The merchant host may provide the authentication value to the customer electronic device.Type: GrantFiled: June 2, 2017Date of Patent: August 30, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Scott H. Ouellette, Nasir Khan, Robert M. Soulchin, Michael K. O'Leary, Michael Naggar
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Patent number: 10970721Abstract: Systems and methods for secure mobile transactions are disclosed.Type: GrantFiled: April 2, 2019Date of Patent: April 6, 2021Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Ayman Hammad, Scott Ouellette, Michael Naggar
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Patent number: 10853788Abstract: Systems and methods for enhanced shopping using a mobile device are disclosed. In one embodiment, a method for enhanced shopping using a mobile device may include (1) a mobile application executed by a mobile electronic device associating with a merchant system, the mobile electronic device comprising at least one computer processor, a memory, an optical input, and a display; (2) the mobile application receiving an item identifier associated with an item; (3) the mobile application receiving item data for the item from the merchant system based on the item identifier; (4) the mobile application receiving purchase confirmation for the item; and (5) the mobile application communicating payment information for the item to the merchant system.Type: GrantFiled: June 20, 2016Date of Patent: December 1, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Shadman Zafar, Michael Naggar
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Patent number: 10664819Abstract: Systems and methods for associating a mobile device with a point of sale terminal are disclosed. In one embodiment, a system for establishing a communication link between a mobile electronic device and a point of sale device may include a point of sale device comprising at least one computer processor, a memory, and a display that displays a machine readable code, the machine-readable code comprising a communication protocol for communicating with the point of sale device; a mobile electronic device comprising at least one computer processor, a memory, and a display; and an application executed by a mobile electronic device that receives a machine-readable code that is displayed by a point of sale device and establishes a communication link between the mobile electronic device and the point of sale device according to the communication protocol.Type: GrantFiled: June 20, 2016Date of Patent: May 26, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Shadman Zafar, Michael Naggar
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Publication number: 20190228416Abstract: Systems and methods for secure mobile transactions are disclosed.Type: ApplicationFiled: April 2, 2019Publication date: July 25, 2019Inventors: Ayman Hammad, Scott Ouellette, Michael Naggar
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Patent number: 10290003Abstract: Systems and methods for secure mobile transactions are disclosed.Type: GrantFiled: April 1, 2016Date of Patent: May 14, 2019Assignee: JPMorgan Chase Bank, N.A.Inventors: Ayman Hammad, Scott Ouellette, Michael Naggar
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Publication number: 20190066095Abstract: 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: ApplicationFiled: August 31, 2018Publication date: February 28, 2019Inventors: Howard Spector, Eric L. Connolly, John D. Moore, Nancy E. Hiebler, Michael Naggar, Ayman Hammad, Tuan Dao, Venkat Maranani
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Patent number: 9916574Abstract: A method and device are described for maintaining software components in a portable electronic device. The device includes memory storing software components executable from the device, with associated pairs of logical storage partitions for storing different versions of the software components, a data interface for coupling the device to a host computer, a contactless interface for receiving payment token data from a contactless payment token, and a cellular network interface for communication of data over a cellular network. An upgrade process is initiated when the device is coupled to the host computer. Data including a different version of at least one of said software components is received, installed and executed to initiate a payment transaction with a remote system. Payment token data is received via the contactless interface means and transmitted to the remote system.Type: GrantFiled: December 26, 2012Date of Patent: March 13, 2018Assignee: Barclays Bank PLCInventors: Michael Naggar, Ashutosh Sureka, Shuchi Patel, Sunil Gattu, Bacchababu Gupta
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Patent number: 9152797Abstract: In a secure computing environment, a method, system and device are provided for loading stored encryption key data from a protected non-volatile memory of a portable device. A boot loader program is initiated after the portable device is powered on, encryption key data is loaded from the protected non-volatile memory of the portable device, and access to the protected non-volatile memory is disabled after a predetermined time after the portable device is powered on. In this way, the encryption key data is loaded from the protected non-volatile memory of a portable device before the boot operating system is loaded.Type: GrantFiled: December 18, 2012Date of Patent: October 6, 2015Assignee: BARCLAYS BANK PLCInventors: Paul Bilke, Steven Bradley, Andrew Crichton, George French, Arthur Leung, Michael Naggar, Ashutosh Sureka
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Publication number: 20140122329Abstract: A method and device are described for maintaining software components in a portable electronic device. The device includes memory storing software components executable from the device, with associated pairs of logical storage partitions for storing different versions of the software components, a data interface for coupling the device to a host computer, a contactless interface for receiving payment token data from a contactless payment token, and a cellular network interface for communication of data over a cellular network. An upgrade process is initiated when the device is coupled to the host computer. Data including a different version of at least one of said software components is received, installed and executed to initiate a payment transaction with a remote system. Payment token data is received via the contactless interface means and transmitted to the remote system.Type: ApplicationFiled: December 26, 2012Publication date: May 1, 2014Applicant: BARCLAYS BANK PLCInventors: Michael Naggar, Ashutosh Sureka, Shuchi Patel, Sunil Gattu, Bacchababu Gupta
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Publication number: 20140122901Abstract: In a secure computing environment, a method, system and device are provided for loading stored encryption key data from a protected non-volatile memory of a portable device. A boot loader program is initiated after the portable device is powered on, encryption key data is loaded from the protected non-volatile memory of the portable device, and access to the protected non-volatile memory is disabled after a predetermined time after the portable device is powered on. In this way, the encryption key data is loaded from the protected non-volatile memory of a portable device before the boot operating system is loaded.Type: ApplicationFiled: December 18, 2012Publication date: May 1, 2014Applicant: BARCLAYS BANK PLCInventors: Paul Bilke, Steven Bradley, Andrew Crichton, George French, Arthur Leung, Michael Naggar, Ashutosh Sureka
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Publication number: 20140122344Abstract: A portable electronic device having a memory storing application software for initiating a payment transaction with a remote system, a data interface for coupling the device to a host computer, a contactless interface for receiving payment token data from a contactless payment token, and a cellular network interface for communication of data over a cellular network. The application software is executed from the device when the device is connected to the host computer and configures the portable electronic device to initiate a payment transaction by receiving payment token data via the contactless interface means and transmitting said payment token data to the remote system via the mobile network interface means.Type: ApplicationFiled: December 18, 2012Publication date: May 1, 2014Applicant: BARCLAYS BANK PLCInventors: Darren Foulds, Steven Bradley, Andrew Crichton, George French, Arthur Leung, Michael Naggar, Ashutosh Sureka