Patents by Inventor Sih Lee
Sih Lee 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: 11836710Abstract: Systems and methods for facilitating payment application provisioning and transacting are disclosed. According to one embodiment, a method for provisioning a token to a third party payment application on a mobile device may include (1) receiving a logon from a customer using a mobile application for a financial institution executed on a mobile device and a device identifier for the mobile device; (2) receiving a request to provision a token for a third party payment application; (3) authenticating the customer using the logon information and the device identifier; (4) provisioning a token for a payment device associated with the customer; and (5) providing the token to the third party payment application for transaction processing.Type: GrantFiled: December 2, 2020Date of Patent: December 5, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Howard Spector, Scott H. Ouellette, Brian J. Smyth, Christina Sheppard, Gavin C. Michael, Sih Lee, Kelly Dempski, Tim J. Parsey, Andrew Sloper, Ken Wimberely, Laura X. Wang, Shadman Zafar
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Publication number: 20230186276Abstract: An application executed on a user device receives a request to initiate a transaction with an entity associated with a device implemented at a point-of-sale. The application detects that the user device is proximate to the device and detects an audial tone that encodes information corresponding to an entity associated with the device. The application transmits a request to transfer a payment to the entity, wherein the request includes the information and a payment amount for the payment. When the request is received by a payment processing system, the payment processing system transfers the payment to the entity and provides a confirmation for the payment. The application broadcasts a confirmation audial tone that encodes the confirmation. When the confirmation audial tone is received at the device, the device demodulates the confirmation audial tone to provide the confirmation to the entity.Type: ApplicationFiled: December 1, 2022Publication date: June 15, 2023Inventors: Michael Storiale, Sih Lee, William Kievit, Jennifer Cantor, Jake Miller, Noah Pell, Christopher Bauer, Lisa Hammond
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Patent number: 11100481Abstract: Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving a financial institution over a network. Embodiments of the method include capturing an image of the customer engaging in the transaction using an image capturing device integrated with the electronic device and retrieving a stored image of the customer from an authentication database. Embodiments of the invention additionally include comparing, using a comparison algorithm executed by computer processing components, the stored image with the captured image to authenticate the customer and upon authentication, monitoring the captured image during the transaction for an interruption using the computer processing components. The method further includes terminating the transaction if an interruption is detected.Type: GrantFiled: July 24, 2019Date of Patent: August 24, 2021Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Brad X. Lucas, John Hsieh, Ravi Acharya, Sih Lee
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Publication number: 20210027295Abstract: The invention relates to a financial device comprising a reader that receives a request from a mobile device associated with a user for user authentication; an interactive display that displays confirmation of the request from the mobile device; a processor that retrieves an authentication code from the request and processes the authentication code to identify the user and associated privileges and restrictions specific to the user and the request; and a transaction processor that receives a transaction request from the authenticated user and performs the requested transaction in accordance with the associated privileges and restrictions.Type: ApplicationFiled: August 24, 2015Publication date: January 28, 2021Inventors: Joseph RAQUEPAW, Giancarlo MIRANDA, Sih LEE, Joseph Bradley Nolan, Matthew T. Muchter, Jeffrey Dean Mathwig
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Publication number: 20200250643Abstract: Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure are disclosed. In one embodiment, a method for partitioning a transaction to be performed using a plurality of resources may include (1) a decision engine computer processor receiving a transaction request; (2) the decision engine computer processor identifying a first portion of the transaction request to be performed using a first resource and a second portion of the request required to be performed using a second resource; (3) the decision engine computer processor retrieving capability information for the first resource and the second resource; and (4) the decision engine computer processor allocating a first portion of the transaction request to the first resource, and a second portion of the transaction request to the second resource, based on the first required portion, the second required portion, and the capability information.Type: ApplicationFiled: April 21, 2020Publication date: August 6, 2020Inventors: Eren KURSUN, Sih LEE
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Patent number: 10679183Abstract: Aspects of the present invention are directed to a method and system for distributing information from an information distributor in a banking environment. The method may include composing an electronic notification instrument by providing a notification component and providing a payload component, the payload component including a selectable link. The method may additionally include pushing the electronic notification instrument to an information client and allowing a pull from the information distributor through the electronic notification instrument such that the payload component including the selectable link is activated by an authorized information recipient, the authorized information recipient determined by the information client. The method may additionally include determining through a tracer whether the electronic notification instrument has an acceptable disposition and rendering the electronic notification instrument inaccessible if the disposition is not acceptable.Type: GrantFiled: August 11, 2017Date of Patent: June 9, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Sih Lee, Adrian Kunzle
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Patent number: 10664813Abstract: Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure are disclosed. In one embodiment, a method for partitioning a transaction to be performed using a plurality of resources may include (1) a decision engine computer processor receiving a transaction request; (2) the decision engine computer processor identifying a first portion of the transaction request to be performed using a first resource and a second portion of the request required to be performed using a second resource; (3) the decision engine computer processor retrieving capability information for the first resource and the second resource; and (4) the decision engine computer processor allocating a first portion of the transaction request to the first resource, and a second portion of the transaction request to the second resource, based on the first required portion, the second required portion, and the capability information.Type: GrantFiled: November 26, 2014Date of Patent: May 26, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Eren Kursun, Sih Lee
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Patent number: 10657589Abstract: A digital bank branch system is provided for associating a customer communicating over a network with a banking host system with a physical bank branch. The digital bank branch system includes at least one computer memory storing customer information and instructions and at least one computer processor accessing and executing the stored instructions to perform multiple steps. The steps may include associating each customer with a local bank branch, the association accomplished based on at least one of a customer address, a physical customer location and a customer selection of the local bank branch. The system may further provide a local branch information area at a web address, the local branch information area accessible over the network including information relevant to the local bank branch.Type: GrantFiled: November 13, 2017Date of Patent: May 19, 2020Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Ravi Acharya, Jonathan S. Beck, Shawn Morton, Sih Lee
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Publication number: 20190347632Abstract: Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving a financial institution over a network. Embodiments of the method include capturing an image of the customer engaging in the transaction using an image capturing device integrated with the electronic device and retrieving a stored image of the customer from an authentication database. Embodiments of the invention additionally include comparing, using a comparison algorithm executed by computer processing components, the stored image with the captured image to authenticate the customer and upon authentication, monitoring the captured image during the transaction for an interruption using the computer processing components. The method further includes terminating the transaction if an interruption is detected.Type: ApplicationFiled: July 24, 2019Publication date: November 14, 2019Applicant: JPMorgan Chase Bank, N.A.Inventors: Brad X. LUCAS, John HSIEH, Ravi ACHARYA, Sih LEE
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Publication number: 20190279193Abstract: In some embodiments, there is a method for communicating client device and user information based on position of a user at a facility, comprising: at a server including one or more processors, a database storing user information for the user and a memory storing instructions for execution by the one or more processors: receiving, from a client device operated by the user, one or more messages reporting a location of the client device relative to one or more listeners associated with the facility, wherein the one or more messages comprises client device position information including one or more unique listener IDs associated with one or more listeners, a client device ID associated with the client device and a timestamp indicating when the client device detected a wireless signal from the one or more listeners; storing the client device position information at the database; transmitting the at least one of: the client device position information and the user information to a point of sale (PoS) device operateType: ApplicationFiled: March 4, 2019Publication date: September 12, 2019Inventors: Will Kievit, Sih Lee, Jake Miller, Trevor Grandle
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Patent number: 10402800Abstract: Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving a financial institution over a network. Embodiments of the method include capturing an image of the customer engaging in the transaction using an image capturing device integrated with the electronic device and retrieving a stored image of the customer from an authentication database. Embodiments of the invention additionally include comparing, using a comparison algorithm executed by computer processing components, the stored image with the captured image to authenticate the customer and upon authentication, monitoring the captured image during the transaction for an interruption using the computer processing components. The method further includes terminating the transaction if an interruption is detected.Type: GrantFiled: April 22, 2013Date of Patent: September 3, 2019Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Brad X. Lucas, John Hsieh, Ravi Acharya, Sih Lee
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Patent number: 10296883Abstract: Systems and methods for driver authentication through embedded sensing are disclosed. In one embodiment, a system for driver authentication through embedded sensing may include a vehicle that may include a plurality of sensors, each sensor sensing at least one of a characteristic of a vehicle occupant and a movement of the vehicle occupant; at least one computer processor executing a computer application, the computer application receiving and processing data from the plurality of sensors; and a communication interface. The system may further include a back-end server in communication with the vehicle communication interface and a plurality of locations in communication with the back-end server. In one embodiment, the characteristic may be a biometric characteristic of the vehicle occupant.Type: GrantFiled: June 29, 2018Date of Patent: May 21, 2019
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Patent number: 10270907Abstract: System and method for integrated interactive response system and mobile devices are disclosed. According to one embodiment, a method for using an interactive response system with a mobile device may include (1) an application executed on a mobile electronic device initiating contact with an interactive response system for a first provider; (2) the application retrieving a plurality of menus for the interactive response system; (3) the application displaying a first menu comprising a first plurality of options for the interactive response system; (4) receiving a first selected option from one of the first plurality of options; and (5) the application providing the interactive response system with the first selected option.Type: GrantFiled: October 8, 2018Date of Patent: April 23, 2019Assignee: JPMorgan Chase Bank, N.A.Inventor: Sih Lee
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Publication number: 20190045057Abstract: System and method for integrated interactive response system and mobile devices are disclosed. According to one embodiment, a method for using an interactive response system with a mobile device may include (1) an application executed on a mobile electronic device initiating contact with an interactive response system for a first provider; (2) the application retrieving a plurality of menus for the interactive response system; (3) the application displaying a first menu comprising a first plurality of options for the interactive response system; (4) receiving a first selected option from one of the first plurality of options; and (5) the application providing the interactive response system with the first selected option.Type: ApplicationFiled: October 8, 2018Publication date: February 7, 2019Inventor: Sih Lee
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Patent number: 10122852Abstract: System and method for integrated interactive response system and mobile devices are disclosed. According to one embodiment, a method for using an interactive response system with a mobile device may include (1) an application executed on a mobile electronic device initiating contact with an interactive response system for a first provider; (2) the application retrieving a plurality of menus for the interactive response system; (3) the application displaying a first menu comprising a first plurality of options for the interactive response system; (4) receiving a first selected option from one of the first plurality of options; and (5) the application providing the interactive response system with the first selected option.Type: GrantFiled: November 21, 2013Date of Patent: November 6, 2018Assignee: JPMorgan Chase Bank, N.A.Inventor: Sih Lee
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Publication number: 20180308081Abstract: Systems and methods for driver authentication through embedded sensing are disclosed. In one embodiment, a system for driver authentication through embedded sensing may include a vehicle that may include a plurality of sensors, each sensor sensing at least one of a characteristic of a vehicle occupant and a movement of the vehicle occupant; at least one computer processor executing a computer application, the computer application receiving and processing data from the plurality of sensors; and a communication interface. The system may further include a back-end server in communication with the vehicle communication interface and a plurality of locations in communication with the back-end server. In one embodiment, the characteristic may be a biometric characteristic of the vehicle occupant.Type: ApplicationFiled: June 29, 2018Publication date: October 25, 2018
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Patent number: 10055726Abstract: Systems and methods for the management of mobile banking resources are disclosed. In one embodiment, a self-propelled, mobile transaction resource may include an unmanned, self-propelled, mobile platform; a user interface for interfacing with a user for conducting a transaction; at least one controller that controls the movement of the mobile platform and the user interface; a communications interface for the at least one controller that communicates with a server; and a plurality of sensors that capture at least one characteristic of the user.Type: GrantFiled: November 26, 2014Date of Patent: August 21, 2018
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Patent number: 10037515Abstract: Systems and methods for driver authentication through embedded sensing are disclosed. In one embodiment, a system for driver authentication through embedded sensing may include a vehicle that may include a plurality of sensors, each sensor sensing at least one of a characteristic of a vehicle occupant and a movement of the vehicle occupant; at least one computer processor executing a computer application, the computer application receiving and processing data from the plurality of sensors; and a communication interface. The system may further include a back-end server in communication with the vehicle communication interface and a plurality of locations in communication with the back-end server. In one embodiment, the characteristic may be a biometric characteristic of the vehicle occupant.Type: GrantFiled: August 7, 2017Date of Patent: July 31, 2018
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Publication number: 20180101905Abstract: A digital bank branch system is provided for associating a customer communicating over a network with a banking host system with a physical bank branch. The digital bank branch system includes at least one computer memory storing customer information and instructions and at least one computer processor accessing and executing the stored instructions to perform multiple steps. The steps may include associating each customer with a local bank branch, the association accomplished based on at least one of a customer address, a physical customer location and a customer selection of the local bank branch. The system may further provide a local branch information area at a web address, the local branch information area accessible over the network including information relevant to the local bank branch.Type: ApplicationFiled: November 13, 2017Publication date: April 12, 2018Inventors: Ravi Acharya, Jonathan S. Beck, Shawn Morton, Sih Lee
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Publication number: 20170364864Abstract: Aspects of the present invention are directed to a method and system for distributing information from an information distributor in a banking environment. The method may include composing an electronic notification instrument by providing a notification component and providing a payload component, the payload component including a selectable link. The method may additionally include pushing the electronic notification instrument to an information client and allowing a pull from the information distributor through the electronic notification instrument such that the payload component including the selectable link is activated by an authorized information recipient, the authorized information recipient determined by the information client. The method may additionally include determining through a tracer whether the electronic notification instrument has an acceptable disposition and rendering the electronic notification instrument inaccessible if the disposition is not acceptable.Type: ApplicationFiled: August 11, 2017Publication date: December 21, 2017Inventors: Sih Lee, Adrian Kunzle