US Pat. No. 9,325,847

SYSTEM AND METHOD OF INTELLIGENT CALL ROUTING FOR CROSS SELL OFFER SELECTION BASED ON OPTIMIZATION PARAMETERS OR ACCOUNT-LEVEL DATA

JPMorgan Chase Bank, N.A....

1. A method of routing in a central server system incoming customer communications to presentations relating to products or
services predicted to be of interest to a customer, the method comprising:
pre-forming, by at least one first computer processor, at least partially a communication routing strategy for the customer,
in anticipation of at least one incoming communication from the customer, wherein the at least one incoming communication
is selected from a group consisting of telephonic calls, web-based communications, voice-over-IP communications, and real-time
text interactions, the at least partially pre-formed communication routing strategy (a) comprising data on whether to route
the at least one incoming communication to one of a plurality of cross-sell presentations associated with one or more products
or services and (b) being based on at least one of offer information relating to the one or more products or services and
customer specific information;

storing the at least partially pre-formed communication routing strategy in association with the central server system;
receiving, at the central server system, information of a customer communication including identification data that identifies
the customer for whom the communication routing strategy has been at least partially pre-formed; and

generating, by at least one second computer processor, a routing control signal for routing the customer communication to
one of said plurality of cross-sell presentations based at least in part on the at least partially pre-formed communication
routing strategy associated with the customer.

US Pat. No. 9,344,423

SYSTEM AND METHOD FOR USER IDENTIFICATION AND AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A method of providing first party information to a second party, comprising:
receiving, at a web interface for a second party, account login information from an electronic device for a first party;
receiving, at the web interface, an electronic request from the first party to contact an agent of the second party;
at least one computer processor for the second party generating identifying indicia to identify the first party to the second
party;

the second party transmitting, over a network, the identifying indicia to the electronic device of a first party;
the at least one computer processor for the second party associating the account information for the first party with the
identifying indicia;

receiving, at a voice response system for the second party, a communication from the first party comprising the identifying
indicia;

the at least one computer processor retrieving the account information associated with the identifying indicia;
the at least one computer processor transferring the communication to the agent for the second party; and
the at least one computer processor electronically providing the account information for the first party to a computer terminal
associated with the agent for the second party.

US Pat. No. 9,514,133

SYSTEM AND METHOD FOR CUSTOMIZED SENTIMENT SIGNAL GENERATION THROUGH MACHINE LEARNING BASED STREAMING TEXT ANALYTICS

JPMorgan Chase Bank, N.A....

1. A computer implemented method, comprising:
extracting, by the computer processor, one or more sentiment signals comprising weighted, customized sentiment metrics for
words and expressions from a library comprising one or more research reports from one or more sources;

calculating normalized profiles for the one or more sources of data based on one or more of geography, sector, analyst, company,
and streaming real time data feedback;

normalizing, by the computer processor, the one or more sentiment signals based on text positioning, sentence structure, and
data source;

calculating an overall sentiment score;
receiving, by the computer processor, one or more data streams;
receiving, by the computer processor, a set of weighted, customized metrics based on the one or more sentiment signals wherein
the set of weighted, customized metrics is received from a dynamically updated database that assigns and updates sentiments
based on empirical data, customizes factors based on analyst, sectors, and geography, and comprises numeric sensitivity factors
for numeric expressions;

applying the set of weighted, customized metrics to the one or more data streams;
outputting, by the computer processor, a customized data stream that is a result of the application of the set of weighted,
customized metrics;

ranking the one or more sentiment signals based on the overall sentiment score; and
providing a visualization of the ranking including a link to each source associated with the one or more sentiment signals.

US Pat. No. 9,187,698

FALLING FILM REACTOR FOR LIGHT TAR OXIDATION

Graftech International Ho...

1. A method of upgrading pitch comprising:
charging a molten metal bath with a feed-stock;
capturing high-softening point pitch output from said molten metal bath;
directing by-product light fraction tar from said molten metal bath through a reactor having a top and a bottom and a surface
spanning between said top and said bottom upon which a film of said light fraction tar flows down under the force of gravity;

heating said surface;
blowing a heated gas over said film; and
adding back into said feed-stock the portion of said film that reaches the bottom of said reactor.

US Pat. No. 9,245,262

SYSTEMS AND METHODS FOR BOOKMARK PAYMENT PROCESSING

JPMORGAN CHASE BANK, N.A....

1. A system that performs transaction processing using a payment bookmark that is associated with a user bookmarked link,
the system comprising:
at least one computer processor; and
memory having instructions stored thereon, the instructions, when executed by the at least one processor, cause the at least
one processor to perform operations, the operations comprising:

receiving a selection of a payment bookmark from a user, and upon selection of the payment bookmark, the computer processor
invoking a bookmark processing application;

the payment bookmark mapped to the user bookmarked link (UB link) that is stored in the memory, wherein the UB link includes
UB link data, and wherein the UB link data includes core link data;

the bookmark processing application causes the at least one processor to:
identify available transaction data from a merchant website;
retrieve available transaction data from the merchant webpage based on a set of rules, and wherein the retrieved available
transaction data includes transaction link data;

append any retrieved transaction link data to the core link data of the UB link data based on the set of rules, such that:
the UB link data includes core link data and transaction link data, when the transaction data was available to retrieve;
the UB link data includes core link data without transaction link data, when transaction link data was not available to retrieve;
and

output the UB link with the UB link data to a server over a network, wherein the server performs processing of the UB link
and pushes a user transaction webpage back to the user.

US Pat. No. 9,240,089

SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A system comprising:
a credit card comprising a computer processor and having an account identifier and a display for displaying a number that
changes based on a clock for use in a transaction, the computer processor generating the number by transforming a value associated
with the clock using a key; and

a device that receives only the account identifier and the number and transmits the account identifier, the number, and a
timestamp of a transaction to an authenticating authority for authenticating the transaction;

wherein the account identifier and the number are received as separate numbers, and
wherein the number comprises at least one digit that does not change.

US Pat. No. 9,225,719

SYSTEM AND METHOD FOR TRUSTED PAIR SECURITY

JPMorgan Chase Bank, N.A....

1. A method for protecting a resource, the method comprising:
providing a receiver, the receiver comprising a computer processor, the receiver being communicatively coupled to a network
and having a plurality of receiver ports;

providing an initiator, the initiator comprising a computer processor, the initiator being communicatively coupled to the
resource, the initiator further being communicatively coupled to the receiver through at least two receiver ports;

sending, from the initiator to the receiver, a first authentication request on a first receiver port, the first authentication
request comprising a parameter shared between the receiver and the initiator;

sending, from the receiver to the initiator, an identification of a second receiver port;
sending, from the initiator to the receiver, a second authentication request on the second receiver port;
mutually authenticating the initiator and the receiver via the second receiver port; and
establishing a streaming connection over the network between the initiator and the receiver using the second receiver port;
detecting, by the receiver, an attack; and
severing the streaming connection in response to the detecting.

US Pat. No. 9,305,292

SYSTEMS AND METHODS FOR PROVIDING AN ADAPTABLE TRANSPONDER DEVICE

JPMORGAN CHASE BANK, N.A....

1. A transponder alteration system for altering the state of a transponder device in the field, the transponder device used
by a transponder user, and the transponder device disposed in a user device of a user, the system comprising:
an interim interface device; and
an alteration portion, in the form of a computer processing machine, disposed in a banking system, the alteration portion
inputting an alteration request from a user for an application to be disposed upon the user's transponder device, the alteration
portion:

accessing a database to retrieve data to process the alteration request;
generating an information packet for the user based on the retrieved data, and outputting the information packet to the user
device of the user, the generating the information packet including adding location information into the information packet,
the location information regarding a particular location to alter the transponder device;

generating a data packet based on the retrieved data, and
outputting the data packet to the interim interface device; and
the interim interface device maintaining a watch mode to detect when the transponder device is in proximity to the interim
interface device at the particular location;

the interim interface device, from the watch mode, detecting that the transponder device is in proximity to the interim interface
device;

the interim interface device initiating communication with the proximate transponder device; and
the interim interface device interfacing with the transponder device to transmit the data packet from the interim interface
device to the transponder device.

US Pat. No. 9,269,085

AUTHENTICATION SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. An authentication computing system for providing authentication of a customer of a financial institution making a request
related to a customer account of the financial institution from a receiving application through communication channels, the
authentication computing system comprising:
a memory storing executable instructions;
at least one computer processor coupled to the memory, executing instructions to perform at least the following:
setting policy for determining riskiness associated with a customer request;
receiving the request and customer data from the receiving application at an authentication engine through one communication
channel;

accessing an information source stored in non-transitory memory pertaining to customer activity with respect to the customer
account, the information source including at least customer account profile and a customer activity record;

determining a risk level associated with the customer by accessing rule sets for multiple risk levels associated with the
policy and by accessing at least a portion of the accessed information source;

communicating the risk level from a risk assessment engine to the authentication engine;
providing authentication criteria for authentication of the customer;
determining, through the at least one computer processor, whether the customer is sufficiently authenticated based on the
risk level, the authentication criteria, and application request activity; and

monitoring operations at the authentication computing system for fraud.

US Pat. No. 9,251,495

METHOD AND SYSTEM FOR RECONCILING TRANSPORTATION RECORDS

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for managing the transportation of physical objects, the method comprising:
tracking, by at least one computer, logical movements of a plurality of physical object items based on a first data feed comprising
a first set of transport records each identifying a logical location with respect to which a corresponding physical object
item should have been shipped or delivered, wherein the first set of transport records comprise at least one of:

one or more inbound records identifying physical object item(s) to be received by a specified destination, and
one or more outbound records identifying physical object item(s) to be shipped from a specified origin;
tracking, by the at least one computer, physical movements of the plurality of physical object items based on a second data
feed, wherein the second data feed comprises a second set of transport records each identifying an actual location with respect
to which a corresponding physical object item has been shipped or delivered, and wherein the second set of transport records
comprise at least one of:

one or more inbound records reflecting at least one inbound transport of physical object item(s) actually received by one
or more facilities, and

one or more outbound records reflecting at least one outbound transport of physical object item(s) actually shipped by the
one or more facilities; and

reconciling, by the at least one computer, the first data feed and the second data feed, to identify any discrepancy between
the first set of transport records and the second set of transport records, the reconciling further comprising:

comparing said one or more inbound records of the first set of transport records with said one or more outbound records of
the second set of transport records, and

comparing said one or more outbound records of the first set of transport records with said one or more inbound records of
the second set of transport records.

US Pat. No. 9,230,259

SYSTEMS AND METHODS FOR MOBILE ORDERING AND PAYMENT

JPMORGAN CHASE BANK, N.A....

1. A computer implemented method for fulfilling a customer request for a requested item sold by a merchant, the method performed
by a tangibly embodied processing machine disposed in a customer device, the method including:
detecting by the customer device, through an input of information, an observed event involving the customer device that is
associated with a customer to trigger the customer request;
wherein the observed event comprises the customer device coming within a predefined physical proximity of the merchant;
associating the observed event with a corresponding order record in a customer record table, the observed event corresponding
to a related record, the related record and the corresponding order record being stored in the customer record table and an
order record table, respectively, prior to the detecting the observed event and prior to the customer request being initiated;

retrieving, from the customer device, order information from the corresponding order record, the order information including
at least customer financial entity account information;

generating a merchant request based at least in part on the order information in the corresponding order record, the merchant
request including at least customer identification information and the customer financial entity account information; and

outputting the merchant request to the merchant, so as to provide the merchant with information to fulfill the customer request.

US Pat. No. 9,152,477

SYSTEM AND METHOD FOR COMMUNICATION AMONG MOBILE APPLICATIONS

JPMORGAN CHASE BANK, N.A....

1. A method for controlling interaction using a mobile electronic device, comprising:
receiving, at a mobile electronic device, a request to interact with a third party;
retrieving, from a memory of the mobile electronic device, a plurality of personas, each of the persona indicating an action
to take in response to the request;

at least one computer processor of the mobile electronic device selecting one of the plurality of personas; and
the at least one computer processor taking the action in response to the request for the selected persona;
wherein the persona is selected based on an identification of at least one electronic device in the vicinity of the mobile
electronic device.

US Pat. No. 9,106,684

SYSTEM AND METHOD FOR PACKET PROFILING

JPMORGAN CHASE BANK, N.A....

1. A method for profiling incoming data packets for an organization, comprising:
receiving, at an interface for a transport provider, a data packet intended for an organization;
at least one computer processor analyzing the data packet by applying at least one inspection sentinel to the contents of
the data packet;

the at least one computer processor scoring the data packet based on the analysis;
the at least one computer processor marking the data packet with the score;
the at least one computer processor signing the data packet with a digital signature, the digital signature comprising an
identification of the transport provider and at least one of a date of the scoring, a time of the scoring, an expiration of
the scoring, and a classification of the packet; and

the at least one computer processor transmitting the marked and digitally-signed data packet to the organization.

US Pat. No. 9,185,105

SYSTEM AND METHOD FOR SINGLE SIGN-ON SESSION MANAGEMENT WITHOUT CENTRAL SERVER

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for single sign-on session management, the method comprising:
receiving by a first plug-in module residing on a first processor controlled web server, a request to grant a client browser
access to a protected resource accessible from the first processor controlled web server, the request comprising a session
credential associated with a decryption key, the session credential including at least a session start timestamp and a maximum
session idle time for a session initiated prior to the request and in response to authentication of the customer browser at
a second plug-in module of another web server for access to another of the protected resources;

decrypting the session credential using the decryption key and checking for validity of the session credential with the first
plug-in module;

granting the request if the session credential is validated and updating a time value of the session credential; and
when the session credential is not validated, establishing a new session credential at the plug-in module located on the first
processor controlled web server,

wherein each of the first plug-in module and the second plug-in module are configured to establish and validate session credentials
independently without redirecting the customer browser to a central sign-on server.

US Pat. No. 9,224,274

SYSTEM AND METHOD FOR FINANCIAL SERVICES DEVICE USAGE

JPMorgan Chase Bank, N.A....

1. A computer implemented method comprising:
receiving, electronically from a card reader, information read from a magnetic stripe associated with a card at a financial
transaction device, wherein the card is inserted into card reader and then withdrawn;

processing, by a computer processor, the information to determined whether the card is a non-EMV card or an EMV card;
determining, by a computer processor, the card is an EMV card;
providing, electronically, a message requesting the card be reinserted into the card reader after determining the card is
an EMV card; and

upon reinsertion of the card, clamping the card into the card reader during a time that a transaction is conducted at the
financial transaction device.

US Pat. No. 9,237,167

SYSTEMS AND METHODS FOR PERFORMING NETWORK COUNTER MEASURES

JPMORGAN CHASE BANK, N.A....

18. A method that detects fraud in an electronic session performed over a network, the session including different communications
between a purported customer user device of a purported customer and a bank operating system, the different communications
from, and generated by, the purported customer user device of the customer each including a header, the method performed by
at least one computer processor of the bank operating system, the method including:
with a first communication from the purported customer user device during the session, inputting a first header by the computer
processor, the first header including first header attributes;

with a second communication from the purported customer user device during the session, inputting a second header by the computer
processor, the second header including second header attributes;

comparing the first header attributes with the second header attributes from the different communications with the purported
customer user device during the session;

determining that the first header attributes are different from the second header attributes; and
flagging, based on the determining that the header attributes are different, the session as suspect of fraud; and
the session includes the purported customer using a web site of the bank operating system comprised of a plurality of web
pages, the purported customer effecting a login to gain access to the web site;

the comparing header attributes from different communications during the session includes:
comparing the first header associated with the communication from the purported customer at login to the second header used
later in the session; and

comparing headers of sequential communications including comparing time attributes of the sequential headers; and
wherein time attributes of the sequential headers are compared so as to generate an observed pace of the session, the pace
constituted by a time line of the purported customer's actions as represented in the data of the header; and

comparing the observed pace with known pace information, the known pace information previously secured based on sessions with
the purported customer, who was at such time legitimized.

US Pat. No. 9,078,764

STOMA CLOSURE

JPMorgan Chase Bank, N.A....

1. A stoma closure comprising:
a. a mounting member for attachment directly or indirectly to skin around the stoma,
b. a flexible chamber secured to said mounting member,
c. a plurality of particles contained inside the flexible chamber, said flexible chamber and said particles being conformable
to the stoma so as to block the passing of stool from the stoma, wherein said particles are configured to freely move inside
of said flexible chamber, and wherein said flexible chamber confines said particles entirely inside said flexible chamber,

d. a deodorizing filter secured to said mounting member for filtering flatus venting from the stoma through or around said
flexible chamber and through said mounting member.

US Pat. No. 9,066,807

CLOSURE SYSTEM FOR A DRAINABLE POUCH

JPMORGAN CHASE BANK, N.A....

1. A drainable ostomy pouch comprising:
a front body-side panel and a rear opposing panel, said panels being joined together along the outer periphery of each panel
to form a pouch with an outlet, said front body-side panel including a stomal opening for receiving waste into said pouch
therethrough, the pouch having a body portion and a tail portion extending therefrom, said tail portion having said outlet,

said tail portion and body portion including a closure system with self-sealing adhesive and textured film, said film entirely
covering at least one panel of said tail portion and a part of said body portion,

a comfort layer covering at least part of said front body-side panel, said comfort layer being secured to said front body-side
panel in a manner so as to leave an access opening between said comfort layer and front body-side panel proximate to where
said tail portion extends from said body portion, said access opening accommodating said tail portion in a folded condition,
said film on said body portion retaining said folded up tail portion between said comfort layer and body side panel.

US Pat. No. 9,290,927

MOBILE AUTOMATED TELLER MACHINE

JPMorgan Chase Bank, N.A....

1. An apparatus, comprising:
a financial services device having an internal volume define by a rigid frame, comprising:
a financial services unit, contained in the internal volume, having a display and a computer process, configured to provide
financial transaction capability;

a stand-alone power source, contained in the internal volume, that is configured to generate power to operate the financial
services device;

an external platform hindgedly coupled to a bottom section of the rigid frame and configured to retract in a manner to rest
against a front section of the financial services device;

an external ramp hingedly coupled to the platform and configured to retract in a manner such that the ramp rests against the
platform; and

a roof hindgedly coupled to a top section of the financial services device.

US Pat. No. 9,246,899

AUTHENTICATION AND INTERACTION TRACKING SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A method for facilitating authentication of an entity engaging in an interaction with a financial institution, the authentication
based on a record of interactions initiated by the entity, the method comprising:
receiving interaction requests over a network at a central authentication and interaction tracking system, the central authentication
and interaction tracking system including at least one computer memory and at least one computer processor, the interaction
requests originating from multiple entities and including a plurality of authentication factors;

executing instructions stored in the computer memory using the computer processor to perform steps including:
building, from each interaction request, an entity print record for each of the multiple entities, wherein each entity print
record includes the authentication factors from each initiated interaction request, the authentication factors including a
location of the interaction request, a device identifier, and personal identifiers;

deriving, from the entity print record, an entity print and storing the entity print in at least one computer memory;
building, from each interaction request, an interaction signature for each interaction and classifying each interaction signature
as a valid interaction signature or a fraudulent interaction signature;

comparing the received authentication factors for a requested interaction with the entity print and comparing the interaction
signature for a received interaction request with the classified interaction signatures, wherein the comparisons yield a level
of risk for each transaction; and

making an authentication determination based on a level of risk resulting from the comparisons.

US Pat. No. 9,268,770

SYSTEM AND METHOD FOR RESEARCH REPORT GUIDED PROACTIVE NEWS ANALYTICS FOR STREAMING NEWS AND SOCIAL MEDIA

JPMORGAN CHASE BANK, N.A....

1. A computer implemented method, comprising:
extracting, by a computer processor, one or more statements from one or more unstructured sources wherein the extracted statements
comprise predictive and conditional statements pertaining to an event in the future;

normalizing, by the computer processor, the extracted statements;
linking the extracted statements from the one or more unstructured sources based on one or more factors;
testing the extracted statements for consistency, wherein inconsistent statements are removed;
creating, by the computer processor, a list of custom keywords based on the extracted statements;
ranking the extracted statements based on a strength of agreement; and
creating an alternative conditional statement flow chart upon the extracted statements having a high degree of disagreement.

US Pat. No. 9,177,302

SYSTEM FOR PROVIDING CARDLESS PAYMENT

JPMorgan Chase Bank, N.A....

1. A method for facilitating the activation of a restriction on a transaction account, comprising:
receiving at a remote terminal an entered cardholder alias associated with a plurality of transaction accounts and an entered
personal identification entry specifying a restriction on the use of at least one of the plurality of transaction accounts;

using an account controller operating portion executed by a computer processor, searching at least one database to identify
a desired transaction account of the cardholder based on the entered cardholder alias and the entered personal identification
entry;

using the account controller operating portion executed by the computer processor, processing the personal identification
entry to determine the restriction on the use of the desired transaction account; and

executing the restriction on the desired transaction account.

US Pat. No. 9,111,278

METHOD AND SYSTEM FOR DETERMINING POINT OF SALE AUTHORIZATION

JPMORGAN CHASE BANK, N.A....

1. An automated computer implemented method for determining authorization for a transaction based on a merchant profile, wherein
the method is executed by a decision engine comprising one or more computer processors which communicates with a user via
a communication network, the method comprising the steps of:
receiving an authorization request for a transaction from a customer at a merchant location, via a communication network;
accessing a customer profile associated with the customer, from a computer database containing customer profile data and merchant
profile data wherein a customer profile is associated with a particular customer and wherein a merchant profile is associated
with a particular merchant, wherein the merchant profile comprises a merchant behavior profile, a merchant type, and a geographic
location of the merchant;

accessing, from the computer database, a merchant profile associated with a merchant involved in the transaction;
executing, with the decision engine, one or more rules to the authorization request wherein the one or more rules generate
merchant segmentation data to identify potentially fraudulent activity;

executing, with the decision engine, one or more scoring algorithms to the authorization request wherein the one or more scoring
algorithms indicate an assessment of risk;

performing, with the decision engine, a velocity check to the transaction wherein the velocity check refers to a frequency
of spend over a period of time for similar transactions for the merchant;

performing, with the decision engine, a distance check to the transaction wherein the distance check refers to a distance
between a current transaction and a previous transaction;

in response to the customer profile data, the merchant profile, the merchant segmentation data, the assessment of risk, the
frequency of spend and the distance check, automatically determining, with the decision engine, an authorization response;
and

transmitting the authorization response for the transaction via the communication network.

US Pat. No. 9,058,626

SYSTEM AND METHOD FOR FINANCIAL SERVICES DEVICE USAGE

JPMorgan Chase Bank, N.A....

1. A computer implemented method, comprising:
receiving, by a financial services device, comprising at least one computer processor, a container from a business entity,
wherein the container has an internal volume and is configured to hold contents comprising one or more of cash, coins, and
checks and the container is received into a receptacle at the financial services device;

extracting, by the financial services device, the contents;
processing, by the financial service device, the contents;
verifying, by the financial services device, the contents of the container with an inventory of the contents; and
ejecting the container by the financial services device upon the contents not matching the inventory.

US Pat. No. 9,374,366

SYSTEM AND METHOD FOR ANTI-PHISHING AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A method comprising:
receiving, at a processor of a server, a user identification code from a client requesting a connection with the server;
sending, by the processor of the server, commitment information to the client, the commitment information including hidden
information without meaning to the client at the time of transmission, wherein the commitment information demonstrates that
the server can determine a value of a dynamic credential before the server receives the dynamic credential from the client;

receiving, at the processor of the server, the dynamic credential from the client and validating the dynamic credential upon
successful comparison to a calculated value;

sending, from the server, upon the successful comparison, a commitment key to the client, the commitment key enabling the
client to utilize the commitment information to authenticate the server; and

authenticating the client by the server, with the dynamic credential and the static credential, wherein the static credential
is received from the client in response to authentication of the server by the client using the commitment information.

US Pat. No. 9,092,448

SYSTEM AND METHOD FOR PORTAL INFRASTRUCTURE TRACKING

JPMORGAN CHASE BANK, N.A....

1. A method for data record transmission, the method performed by a computer processor operably connected to a memory portion,
the method comprising:
inputting, by the computer processor at a second location, a request for data records from a first location, the request including
a last record identifier of a last previously received data record;

determining by the computer processor, at the second location, further data records that have become available subsequent
to the computer processor, at the second location, sending the last previously received data record to the first location,
the further data records not having been available for sending at the time of sending of the last previously received data
record, and

the determining, by the computer processor, being based on the last record identifier being compared with further record identifiers
associated with the further data records;

transmitting by the computer processor, from the second location to the first location, the further data records, the further
data records being associated with a respective one of the further record identifiers, each of the last record identifier
and the further record identifiers being a unique identification that is assigned to a respective one, and only one, data
record such that the last record identifier and the further record identifiers are all different from each other; and

the transmitting, by the computer processor, including transmitting the further record identifier of a last received further
data record so as to provide for updating, at the first location, the further record identifier of the last received further
data record.

US Pat. No. 9,064,273

SYSTEM AND METHOD FOR MANAGEMENT AND DELIVERY OF CONTENT AND RULES

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for management and delivery of content and rules by a content management system to multiple
different types of presentation channels, wherein the presentation channels include an Internet web site, the method comprising:
receiving informational data at the content management system over a network from multiple sources through a data migration
interface;

storing multiple items in separate database entities in a central location accessible to the content management system in
at least one computer memory, the multiple items including,

the informational data received through the data migration interface,
content including text content and graphic content stored in a media independent format, and
logic and business rules governing a logical combination and a physical layout of the informational data and the content;
accessing the stored items using at least one computer processor of the content management system running a content management
application to manage the multiple stored items, wherein management includes;

packaging the multiple items for the multiple different presentation channels using the content management system into a media
independent carrier, and

delivering the informational data, the stored logic and business rules, and the content in the media independent carrier to
the multiple different types of presentation channels including the Internet website, enabling logical integration of the
informational data with the content based on the plurality of logic and business rules at each presentation channel; and

using a presentation channel computer processor at each presentation channel for integrating the delivered informational data
and the content at based on the delivered logic and business rules to provide customized output to individual recipients based
on the type of presentation channel and distributing the customized output to the individual recipients.

US Pat. No. 9,507,781

SYSTEM AND METHOD FOR MOBILE PRESENTATION PROCESSING

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for processing presentation materials, the method comprising:
storing at a server a plurality of presentation files in a native format;
converting, by the server, at least one of the plurality of presentation files into a thumbnail format file;
downloading at least one thumbnail format file from the server to a portable computing device;
receiving, at the server and from the portable computing device, a new presentation or a modified presentation as a thumbnail
format file;

recompiling, by the server, said received thumbnail format file into a native format presentation file; and
storing at the server said recompiled native format presentation file.

US Pat. No. 9,483,749

METHOD AND SYSTEM FOR RECONCILING TRANSPORTATION RECORDS

JPMORGAN CHASE BANK, N.A....

1. A computer-implemented method for managing the transportation of physical objects, the method comprising:
tracking, by at least one computer, logical movements of a plurality of physical object items based on a first data feed comprising
a first set of transport records each identifying a logical location with respect to which a corresponding physical object
item should have been shipped or delivered, wherein the first set of transport records comprise at least one of:

one or more inbound records identifying physical object item(s) to be received by a specified destination, and
one or more outbound records identifying physical object item(s) to be shipped from a specified origin;
tracking, by the at least one computer, physical movements of the plurality of physical object items based on a second data
feed, wherein the second data feed comprises a second set of transport records each identifying an actual location with respect
to which a corresponding physical object item has been shipped or delivered, and wherein the second set of transport records
comprise at least one image, taken of at least one transported physical object item, associated with at least one of:

one or more inbound records reflecting at least one inbound transport of said at least one physical object item actually received
by one or more facilities, and

one or more outbound records reflecting at least one outbound transport of said at least one physical object item actually
shipped by the one or more facilities;

identifying said at least one transported physical object item based on the at least one image; and
reconciling, by the at least one computer, the first data feed and the second data feed, to identify any discrepancy between
the first set of transport records and the second set of transport records with respect to said at least one physical object,
the reconciling further comprising:

comparing said one or more inbound records of the first set of transport records with said one or more outbound records of
the second set of transport records, and

comparing said one or more outbound records of the first set of transport records with said one or more inbound records of
the second set of transport records.

US Pat. No. 9,177,313

SYSTEM AND METHOD FOR ISSUING, CIRCULATING AND TRADING FINANCIAL INSTRUMENTS WITH SMART FEATURES

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for issuing, circulating and trading financial instruments having smart features, the method
comprising:
issuing, by a computer processor, a financial instrument comprising monetary value and physically attached to a token device,
and wherein the token device comprises:

a unique address including (a) a device identifier that indicates ownership, value, and transferability of the financial instrument
and (b) a network address for tracking said token device that changes based on a current network location of the token device,
at least a portion of said device identifier changes based on at least a portion of financial parameters of the financial
instrument,

a non-transitory computer memory to record the financial parameters, and
one or more communication capabilities;
changing, by the computer processor, the network address based on the current network location of the token device;
changing, by the computer processor, at least a portion of the device identifier based on at least a portion of financial
parameters of the financial instrument;

transferring, by the computer processor, the financial instrument based on the transferability of the financial instrument;
and

tracking, by the computer processor, the ownership, value, and transferability of the financial instrument based on the device
identifier and the network address of the associated token device by communicating with the token device at least once subsequent
the issuing of the financial instrument.

US Pat. No. 9,092,447

METHOD AND SYSTEM FOR DUPLICATE DETECTION

JPMORGAN CHASE BANK, N.A....

1. A system for detecting duplicate transactions, comprising:
at least one processor;
a memory comprising computer-readable instructions which when executed by the processor cause the processor to perform the
steps comprising:

receiving electronic data that comprises accounting data associated with one or more transactions;
processing the electronic data to extract the accounting data;
creating a character string from a subset of the accounting data for each of the one or more transactions;
applying a Bloom filter using multiple hash functions to the character string;
determining that a transaction is a potential suspected duplicate if each bit value read is equal to a first value;
determining that the transaction is not a suspected duplicate if at least one bit value is not equal to the first value;
outputting a listing of each potential suspected duplicate; and
performing additional processing on each potential suspected duplicate to determine if the potential suspected duplicate is
a true suspected duplicate.

US Pat. No. 9,477,581

INTEGRATED SYSTEM AND METHOD FOR VALIDATING THE FUNCTIONALITY AND PERFORMANCE OF SOFTWARE APPLICATIONS

JPMorgan Chase Bank, N.A....

1. An integrated method for validating the functionality and performance of software applications through multiple test phases
using a common set of business requirements-based manual test scripts, the method comprising the steps of:
deriving software application test conditions;
generating manual test scripts based on the software application test conditions;
creating, using at least one processor, functional tests for a functional test phase based on the generated manual test scripts;
selecting, for an automated regression test phase, a first subset of the generated manual test scripts, the selecting based
on attributes of the generated manual test scripts and the functional tests created for the functional test phase;

creating automated regression tests for the automated regression test phase based on the selected first subset of manual test
scripts, wherein creating automated regression tests comprises:

identifying object types;
identifying actions;
creating reusable functions for each action identified;
identifying identifiers for each unique object of the identified object types;
creating automated functions based on the reusable functions and a plurality of reusable Extensible Markup Language (XML)
objects; and

creating automated test scripts including a plurality of the automated functions for the automated regressions test; and
automatically executing the functional test phase and the automated regression test phase concurrently.

US Pat. No. 9,430,211

SYSTEM AND METHOD FOR SHARING INFORMATION IN A PRIVATE ECOSYSTEM

JPMORGAN CHASE BANK, N.A....

1. A mobile communications system for controlling a restricted ecosystem of software applications, the system comprising:
a computer comprising a computer processor and a memory, wherein
said computer processor executes a plurality of software applications,
said processor programmed for providing an application loader and an ecosystem controller,
said application loader for loading said software applications onto said computer processor for execution,
said ecosystem controller programmed to:
receive a collection of software applications comprising an ecosystem;
manage said collection of software applications;
load said collection of software applications onto said application loader; and
transfer data between said collection of software applications.

US Pat. No. 9,240,012

SYSTEMS AND METHODS FOR MULTIFACTOR AUTHENTICATION

JPMORGAN CHASE BANK, N.A....

1. A method for performing a multifactor authentication between an authenticating entity and a customer remote from the authenticating
entity, utilizing a primary communication channel and a secondary communication channel, the method comprising:
receiving from the customer, by a processing machine of the authenticating entity, primary authentication information via
the primary communication channel;

processing the primary authentication information by the processing machine of the authenticating entity, and retrieving customer
information based on the primary authentication information;

presenting a message to the customer regarding a desired mode of communication through which the customer would like to perform
a secondary authentication;

receiving from the customer a selection of the desired mode of communication, which desired mode of communication comprises
the secondary communication channel;

transmitting, by the processing machine of the authenticating entity, secondary authentication information to the customer
via the secondary communication channel, the secondary communication channel being different than the primary communication
channel;

receiving from the customer via the primary communication channel at least a portion of the secondary authentication information;
processing the secondary authentication information received from the customer by the processing machine of the authenticating
entity to authenticate the customer; and

based on successful authentication of the primary authentication information and receipt of the at least a portion of the
secondary authentication information from the customer, the processing machine of the authenticating entity authenticating
the customer.

US Pat. No. 9,436,220

SYSTEM AND METHOD FOR MOBILE DEVICE DOCKING STATION

JPMorgan Chase Bank, N.A....

1. A docking station for a mobile device, the docking station providing access for the mobile device to a virtual desktop
interactive environment hosted by a remote computer, the docking station comprising:
an inductive surface for charging the mobile device;
an authentication interface for authenticating the mobile device to enable interaction between the mobile device, the docking
station, and the remote computer;

a processor receiving, upon successful authentication of the mobile device through the authentication interface, the virtual
desktop interactive environment from the remote computer and enabling display of the virtual desktop interactive environment
on the mobile device;

a radio antenna for detecting the mobile device and upon detection by the radio antenna, wirelessly transferring data to and
from the mobile device; and

a connection interface for providing access to peripheral devices.

US Pat. No. 9,098,852

METHOD AND SYSTEM FOR MONITORING AND DETECTING FRAUD IN TARGETED BENEFITS

JPMorgan Chase Bank, N.A....

1. An automated computer implemented method identifying potential fraud with targeted benefits, wherein the method is executed
by a programmed computer processor which communicates with a user via a network, the method comprising the steps of:
receiving, using a programmed computer processor, participant data associated with a participant of a targeted benefit program
wherein the participant data comprises geographical data associated with the participant and a participating merchant wherein
the geographical data comprises travel distance between an address associated with the participant and the participating merchant;

applying, using a programmed computer processor, data linking to the participant data where a plurality of filters are applied
to the participant data to identify potential fraud; and

providing an output, via an interface, comprising a recommended response to the identified potential fraud.

US Pat. No. 9,400,983

METHOD AND SYSTEM FOR IMPLEMENTING BEHAVIOR ISOLATING PREDICTION MODEL

JPMORGAN CHASE BANK, N.A....

1. A computer implemented method for isolating variables in a behavior prediction model, the method comprising the steps of:
identifying a plurality of groups comprising a first group of variables and a second group of variables;
building a model, using a computer processor, for capturing an effect of the first group of variables in predicting behavior
for customers;

building a subsequent stage of the model, using a computer processor, on a second group of variables to neutralize the effect
of the first group of variables by selectively isolating the effect of the first group of variables to remove an influence
of the first group of variables on the model;

displaying results of the model wherein the results neutralize the effect of the first group of variables in predicting behavior
at a user interface, the results comprising a behavioral prediction that identifies a likelihood of a customer to behave based
on the second group of variables relative to customers that match the first group of variables; and

identifying a response based on the results for a segment of the customers.

US Pat. No. 9,195,984

SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS USING A WALLET

JPMorgan Chase Bank, N.A....

1. A wallet, in the form of a tangibly embodied processing machine having:
at least one processor, disposed in communication with a financial payment network,
a communication portion that inputs and outputs information; and
memory having instructions stored thereon, the instructions, when executed by the at least one processor, cause the at least
one processor to perform operations comprising:

storing token information of a customer, the token information associated with real credentials of the customer, the real
credentials constituted by an account number of the customer, the token information comprising an account token and a transaction
token;

interfacing with the wallet using a customer device, to perform a transaction, including:
receiving at the communication portion of the wallet a predetermined credential from the customer device to thereby transfer
control of processing of a pending transaction between the customer and a merchant from a point of sale (POS) system of the
merchant to the wallet;

receiving, at the customer device, transaction information of the pending transaction from the merchant's POS system;
receiving, at the customer device via the wallet, confirmation from the customer that the transaction information is correct;
generating the transaction token based on the transaction information and the customer confirmation; and
outputting the token information to the merchant's POS system from the customer device via the wallet during the pending transaction
upon receiving confirmation from the customer; and then:

inputting the token information from a payment entity, the payment entity having received the token information from the POS
system, and the POS system having received the token information from the customer device;

associating the token information of the customer with real credentials of the customer stored in a wallet vault that is distinct
from the wallet;

outputting the real credentials from the wallet vault to the payment entity, the real credentials corresponding to the token
information;

authorizing the transaction with the payment entity; and
sending an authorization response to the merchant's POS system.

US Pat. No. 9,088,459

BREADTH-FIRST RESOURCE ALLOCATION SYSTEM AND METHODS

JPMorgan Chase Bank, N.A....

1. A computer-implemented method, said method comprising:
receiving a request to allocate CPU slots, said request associated with one or more instances of an application;
identifying a resource group comprising at least two servers having idle CPU slots;
determining a value representative of the number of running instances of the application on each server in the resource group;
determining a value representative of the number of idle CPU slots on each server in the resource group;
sorting servers in the resource group in descending order, excluding servers with no idle CPU slots, by the sum of their values
representative of the number of running instances of the application and the number of idle CPU slots to create a list of
eligible servers; and

allocating one CPU slot at a time from the list of eligible servers sorted in descending order in a round-robin fashion.

US Pat. No. 9,460,469

SYSTEM AND METHOD FOR FINANCIAL SERVICES DEVICE USAGE

JPMorgan Chase Bank, N.A....

1. An apparatus, comprising:
a cylindrical container having an internal volume, the internal volume being configured to hold one or more of cash, coins,
and checks;

a locking cover for sealing the container, wherein the locking cover is tamperproof;
a computer processor comprising computer memory, a display, and an input device integral to the container;
a tracking system integral to the container; and
the container being configured to engage with a financial services device through a receptacle comprising a tube, and establish
an interface between the container and the financial services device during the mating such that the contents of the container
are removed and processed by the financial services device.

US Pat. No. 9,342,824

SYSTEM AND METHOD FOR PROVIDING CUSTOMERS WITH SEAMLESS ENTRY TO A REMOTE SERVER

JPMORGAN CHASE BANK, N.A....

1. A banking system for offering a plurality of financial services to a customer via a sign-on process, comprising:
a host server that maintains host server banking services of the customer;
a remote server that maintains remote server banking services of the customer, the host server and the remote server operatively
linked across a network;

a universal session manager operatively disposed on the host server, the universal session manager configured to:
receive a host server username and password from the customer for logging in to the host server, and
transmit the host server username and password to a validation module;
the validation module being operatively linked to the universal session manager through the network, and configured to:
determine whether the universal session manager received a valid host server username and password combination, and
upon a determination that the host server username and password combination is valid, send information about the remote server
banking services in which the customer is enrolled, the information comprising a remote server username particular to the
customer and required by the remote server for login, the remote server username being distinct from the host server username;

the universal session manager further configured to:
display account information of the host server banking services of the customer in a consolidated homepage,
transparently log in the customer to the remote server upon receipt of the remote server username,
receive account information of the remote server banking services of the customer,
display on the consolidated homepage the account information of the remote server banking services of the customer,
provide on the consolidated homepage one or more links to the remote server banking services of the customer,
wherein the account information for the host server banking services of the customer and the account information for the remote
server banking services of the customer comprise account summaries which are displayed on the consolidated homepage before
the one or more links to the remote server banking services of the customer are selected by the customer.

US Pat. No. 9,342,541

PRESENTATION ORIENTED RULES-BASED TECHNICAL ARCHITECTURE DISPLAY FRAMEWORK (PORTRAY)

JPMorgan Chase Bank, N.A....

1. A computer system for publishing business content using a metadata framework, the system comprising:
a code module repository for storing executable code modules;
a plurality of communication interfaces for receiving a service request from a client system;
a formatting engine for detecting a data format of the service request; and
a control engine for performing, using a processor, at least the following operations:
defining a communication memory area in response to receiving the service request, wherein data stored in said defined communication
memory area being accessible for processing subsequently received service requests;

selecting a business rule from a plurality of business rules based on the service request;
selecting at least one executable code module from the code module repository based on the selected business rule;
processing the service request by executing the business rule based on the service request;
generating at least a portion of a user interface for display at the client system based at least on data stored at the defined
communication memory area; and

generating a response based on the processing of the service request and the generating of the user interface,
wherein the execution of the business rule causes the processor to execute the at least one executable code module selected
from the code module repository.

US Pat. No. 9,087,101

DOCUMENT MANAGEMENT TECHNIQUES TO ACCOUNT FOR USER-SPECIFIC PATTERNS IN DOCUMENT METADATA

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for facilitating document retrieval in an electronic document management system, the method
comprising the steps of:
identifying, by at least one processor, one or more user-specific naming patterns in metadata created by a first user in connection
with a plurality of documents;

recording, by at least one processor and in a storage medium, said identified one or more user-specific naming patterns in
at least one of a naming patterns file (NPF), database, and lookup table;

creating, by at least one processor, a modified copy of the metadata wherein at least a portion of the original metadata created
by the first user are modified, based on the recorded user-specific naming patterns, to improve searchability of the plurality
of documents by other users;

storing the modified copy of the metadata in association with the plurality of documents; and
making the modified copy of the metadata available in a document query for one or more of the plurality of documents by a
second user.

US Pat. No. 9,058,598

SYSTEMS AND METHODS FOR DISTRIBUTION OF CASH

JPMORGAN CHASE BANK, N.A....

1. A computer implemented method for transferring cash with a particular branch bank, the method comprising the steps of:
receiving first data relating to cash usage at a plurality of branch banks;
receiving second data relating to cash usage at the particular branch bank, the second data including a known ending balance
at the particular branch bank;

generating forecasting data based on the first data and the second data to determine a current cash need;
performing forecast processing to determine an amount of cash to be transferred to or from the particular branch bank, the
forecast processing including:

forecasting a cash in amount and forecasting a cash out amount based on the forecasting data, and generating a projected ending
balance based on the forecasted cash in amount, the forecasted cash out amount, and the known ending balance;

generating a forecasted ending balance based at least in part on historical data associated with the particular branch bank;
and

comparing the projected ending balance with the forecasted ending balance to determine a cash shipment amount;
generating a cash transfer request based on the cash shipment amount;
determining an anticipated route for a transfer of cash;
effecting the transfer of cash with the branch bank based on the cash transfer request using the anticipated route;
monitoring the transfer of cash using a global positioning device; and
generating an alert when the transfer of cash diverges from the anticipated route.

US Pat. No. 9,122,789

SYSTEM AND METHOD FOR TESTING APPLICATIONS WITH A LOAD TESTER AND TESTING TRANSLATOR

JPMorgan Chase Bank, N.A....

1. A method of conducting a load test on a system with a translation tool, the method implemented on a computer comprising
a memory and a processor, the method comprising:
forwarding a message in a first format incompatible with a load testing tool to a server on the system;
in parallel to forwarding the message to the server on the system, automatically converting the message in the first format
incompatible with the load testing tool to a second format compatible with the load testing tool, the processor, in response
to receiving the forwarded message in the first format incompatible with the load testing tool, automatically selecting, based
on said first format, a conversion instruction set from a plurality of conversion instruction sets stored in the memory for
converting the message according to the message format of the message, and automatically executing the selected conversion
instruction set, wherein the conversion instruction set comprises executable programming instructions;

receiving an emulated message in the second format compatible with the load testing tool;
automatically converting the emulated message in the second format compatible with the load testing tool to the first format
incompatible with the load testing tool upon receiving the emulated message in the second format compatible with the load
testing tool; and

automatically forwarding the converted emulated message in the first format to conduct the load test;
wherein the first format is binary and the second format is an extensible-markup-language.

US Pat. No. 9,124,700

SYSTEM AND METHOD FOR UNIFIED CALLING

JPMORGAN CHASE BANK, N.A....

1. A method for unified calling, comprising:
using a soft phone application executed by a computer processor on an agent terminal, communicating, to a telephony server,
an agent status indicating a readiness of the agent to manually make a telephone call as a signal;

using a gateway, converting the signal from the agent terminal in a first format to a second format for the telephony server;
receiving, on a computer terminal, an indication of a telephone number to call; and
manually dialing the telephone number using a telephone;
wherein the soft phone application emulates an analog connection with the telephony server.

US Pat. No. 9,519,295

HEATING, VENTILATION, AND AIR CONDITIONING MANAGEMENT SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A method for configuring a heating, ventilation, and air conditioning (HVAC) system, the system including at least one
HVAC unit, each unit including at least one control circuit, the method comprising:
receiving a return air temperature signal at a control circuit of the at least one HVAC unit;
receiving a supply air temperature signal at the control circuit of the at least one HVAC unit;
controlling a water cooling valve of the at least one HVAC unit based at least on the received return air temperature signal,
the received supply air temperature signal, a return setpoint temperature, a supply setpoint temperature, and the cooling
valve opening rate; and

controlling a fan according to at least a fan ramping rate.

US Pat. No. 9,465,951

SYSTEMS AND METHODS FOR RESOURCE MANAGEMENT AND CERTIFICATION

JPMORGAN CHASE BANK, N.A....

1. A system for managing access to a plurality of computer-based resources for an organization, comprising:
a plurality of computer-based resources associated with an organization, each computer-based resource having an access restriction;
an interface that electronically interfaces with each of the plurality of computer-based resources and automatically onboards
each computer-based resource to a computer-based resource inventory;

a streaming human resources data feed, wherein the human resources data feed identifies a status for a plurality of individuals
within the organization;

a first computer processor executing a termination and transfer service that automatically changes an individual's access
to a computer-based resource based on a change in the individual's status within the organization;

a second computer processor executing an ownership service that automatically assigns at least one of the individuals to be
a default owner for each computer-based resource;

a third computer processor executing an evergreen service that automatically modifies the default owner for a computer-based
resource based on a change in the owner's status within the organization;

a fourth computer processor executing a policy service that automatically monitors ownership for compliance with at least
one policy for accessing at least one of the computer-based resources;

a fifth computer processor executing a certification service that automatically certifies each individual's access to the
plurality of computer-based resources; and

a sixth computer processor executing a reporting service that provides reporting regarding the plurality of computer-based
resources.

US Pat. No. 9,419,957

CONFIDENCE-BASED AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A computer-implemented method, comprising:
assigning, by a programmed computer, an authentication requirement rating to an activity;
assigning, by the programmed computer, an authentication capability rating to each of one or more authentication methods,
wherein the authentication capability rating indicates an ability of the one or more authentication methods to authenticate
a user;

receiving, at the programmed computer, over a network from a remote user access device, a request from a user to perform the
activity;

receiving, at the programmed computer over the network from the remote user access device, a first authentication sample result
based on a first authentication attempt performed by the user using a first authentication method;

determining, by the programmed computer, a current authentication rating for the user based on the authentication capability
rating of the first authentication method and the first authentication sample result;
adjusting, by the programmed computer, the current authentication rating determined for the user based on a second authentication
method, wherein the second authentication method is a silent authentication method utilizing one or more factors determined
about the user without presenting an explicit authentication challenge to the user;
determining, by the programmed computer, whether to allow the user to perform the requested activity based on a comparison
of the authentication requirement rating associated with the activity requested by the user and the adjusted current authentication
rating determined for the user; and

providing, by the programmed computer over the network to the remote user access device, a final authentication result.

US Pat. No. 9,396,177

SYSTEMS AND METHODS FOR DOCUMENT TRACKING USING ELASTIC GRAPH-BASED HIERARCHICAL ANALYSIS

JPMORGAN CHASE BANK, N.A....

1. A method for elastic graph-based hierarchical analysis of a text document, comprising:
at least one computer processor identifying a sector for the text document;
the at least one computer processor retrieving a customization library for the text document based on the sector;
the at least one computer processor analyzing a structure of the text document using the customization library, whereby a
plurality of markers in the text document are identified; and

the at least one computer processor generating an elastic graph for the text document based on the plurality of markers.

US Pat. No. 9,130,947

DATA EXCHANGE MANAGEMENT SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer implemented data exchange management method for managing data exchange between a data storage facility and communicating
entities, the data exchange management method comprising:
receiving a request for data exchange from a communicating entity;
processing the request by assembling data associated with the request for exchange in accordance with at least data exchange
preferences of a relevant data exchange profile for the requesting communicating entity, said processing including,

processing the request, using computer processing components, through a request handler for handling receipt of data exchange
requests from the communicating entities, wherein the request handler accesses the relevant data exchange profile, the request
handler handling data exchange request for export of stored data and data exchange requests for import of data for storage
in the data storage facility based on at least the data exchange preferences of the relevant data exchange profile;

formatting data, using the computer processing components, for exchange in accordance with at least the data exchange preferences
of the relevant data exchange profile; and

delivering the formatted data to a destination in accordance with at least the data exchange preferences of the relevant data
exchange profile.

US Pat. No. 9,292,588

SAFE STORING DATA FOR DISASTER RECOVERY

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for safe storing data, the method comprising the steps of:
receiving the data, via an asynchronous write, on a programmed computer at a primary site from a remote client computer;
creating a copy of the data received on the programmed computer at the primary site;
transmitting the copy of the data received on the programmed computer at the primary site, via a synchronous write, to a programmed
computer at a remote recovery site, wherein the data received is not operated on at the primary site prior to the copy of
the data being transmitted synchronously to the remote recovery site and wherein the remote recovery site is not co-located
with the primary site and the programmed computer at the primary site;

storing the transmitted copy of the data received in a database at the remote recovery site, wherein the database is communicatively
coupled to the programmed computer at the remote recovery site;

operating on the data received at the primary site after the copy of the data has been stored at the remote recovery site;
and

transmitting an electronic acknowledgement from the primary site to the remote client computer after storing the copy of the
data at the remote recovery site, said electronic acknowledgement confirming the asynchronous write.

US Pat. No. 9,946,534

TECHNIQUES FOR AUTOMATED DATABASE DEPLOYMENT

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for automated database deployment, the method comprising automatically performing the steps of:retrieving, from a first designated repository location, one or more proposed change files for a target database, the proposed change files specifying one or more changes to be applied to data content of the target database;
coordinating the proposed change files into an execution sequence;
validating the proposed change files by executing the proposed change files, against a copy of said target database, according to the execution sequence; and
generating a master execution file by sequencing individual validated change files, wherein the master execution file, when executed, applies validated changes to the data content of said target database.

US Pat. No. 9,537,790

BREADTH-FIRST RESOURCE ALLOCATION SYSTEM AND METHODS

JPMorgan Chase Bank, N.A....

1. A computer-implemented method that manages allocation of computer resources, said method comprising:
storing in at least one non-transitory computer memory, data and instructions pertaining to computer resources in a computer
network;

accessing the at least one computer memory by a computer processor to execute instructions stored at said non-transitory computer
memory, and to perform steps including:

receiving a request to allocate CPU slots, said request associated with one or more instances of an application;
identifying a resource group comprising at least two servers having idle CPU slots;
determining a value representative of the number of running instances of the application on each server in the resource group;
determining a value representative of the free memory on each server in the resource group;
sorting servers in the resource group in an order, excluding servers with no free memory, by the amount of free memory of
the servers; and

allocating one CPU slot at a time from the list of eligible servers sorted in an order in a round-robin fashion.

US Pat. No. 9,396,279

COLLABORATIVE VIRTUAL MARKUP

JPMorgan Chase Bank, NA, ...

1. A computer-implemented method for collaborative markup of a webpage involving collaboration between multiple users, the
method comprising:
providing a capture interface available to user computers over a network, the capture interface including a menu of original
webpages available for modification, the webpages residing at a webpage server;

receiving at a markup server a capture request from a first user for an original webpage selected from the available original
webpages residing at a webpage server and offered through the capture interface;

capturing the original webpage from the webpage server including an original layout and original content, the original content
including interactive features and the original layout being described by original layout information included in the original
webpage;

receiving a designation that indicates one or more portions of the original webpage as protected from modification;
providing a mark-up interface to the first user, the mark-up interface including a toolbar allowing positioning of toolbar
icons onto portions of the original webpage designated by the first user for modification;

receiving first markup data associated with the first user, the first markup data corresponding to a modification of at least
the original layout of the original webpage, the first markup data including a first time stamp, a first user stamp and a
first modifier;

storing the received first markup data in a related file in a computer memory accessible to the markup sever separately from
the original webpage;

automatically generating at the markup server using computer processing components a first code for a first marked-up webpage
based on the received first markup data, thereby rendering a first marked-up webpage based on the first markup data and enabling
the first user to view the first marked-up webpage including the first markup data in real time, wherein generating the first
code comprises creating a first delta file representing a difference between the original webpage and the first marked-up
web page;

generating an audit trail reflecting the first mark-up data based on the first markup data and the first delta file;
notifying a second user that the first marked-up web page was generated and automatically transmitting from the markup server
the first code to a second user for real-time rendering of the first marked-up webpage to the second user, thereby enabling
the second user to view the modified webpage including the first markup data in real time;

providing the mark-up interface to the second user, the mark-up interface including the toolbar allowing positioning of toolbar
icons onto portions of the modified webpage designated by the second user for modification;

receiving, at the markup server, second markup data associated with the second user, the second markup data corresponding
to a modification of at least one of the original layout or the first markup data, the second markup data including a second
time stamp, a second user stamp and a second modifier, wherein the second modifier indicates at least one of an acceptance
and a rejection of at least a portion of the first modifier;

storing the received second mark-up data in a related file in a computer memory accessible to the markup server separately
from the original webpage;

automatically generating at the markup server, using the computer processing components, a second code for a second marked-up
webpage based on the second markup data associated with the second user, thereby rendering a second marked-up webpage and
enabling the second user to view the second marked-up webpage including the second markup data in real time, wherein generating
the second code comprises creating a second delta file corresponding the second markup data reflecting a difference between
the first marked-up webpage and the second marked-up webpage;

updating the generated audit trail based on the second markup and the second delta file; and
publishing in real-time to the webpage server an updated webpage based on the first markup data or the second markup data,
wherein at least a portion of the original webpage remains functional during collaboration.

US Pat. No. 9,542,259

AUTOMATED INCIDENT RESOLUTION SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer-implemented method, comprising:
receiving, by a processor, a defined set of instructions to address known technical issues, wherein the defined set of instructions
comprises multiple diagnostic scripts and multiple corrective scripts associated with the known technical issues;

receiving, by the processor, user-provided textual information describing an incident on an end-user computing device;
parsing, by the processor, the user-provided textual information to identify keywords;
matching the keywords in the user-provided textual information with an identified knowledge object or key performance indicator;
performing, by the processor, a diagnostic check using one or more of the diagnostic scripts, each of the one or more diagnostic
scripts including a set of instructions used to identify at least one technical issue corresponding to the incident on the
end-user computing device; and

applying and executing, by the processor, at least one of the corrective scripts without end-user intervention to address
the incident and resolve the technical issue, the at least one corrective script performing a corrective action to resolve
the incident on the end-user computing device, the corrective action being based at least in part on the diagnostic check
identifying the at least one technical issue causing the incident, wherein no user intervention is required to resolve the
technical issue subsequent to receipt of the user-provided information.

US Pat. No. 9,720,939

METHOD AND SYSTEM FOR IMPLEMENTING CATEGORICALLY ORGANIZED RELATIONSHIP EFFECTS

JPMORGAN CHASE BANK, N.A....

1. An automated computer implemented method for data preparation for model development, wherein the method is executed by
a programmed computer processor which communicates with a user via a network, the method comprising the steps of:
initiating, via an input to a computer, creation of a new variable for a dataset for model generation, the new variable to
be implemented in a model;

extracting, by the computer, data relevant to the variable from one or more data sources;
processing, by the computer, the extracted data to automatically generate an input variable, the processing comprising converting
the extracted data from continuous values to a plurality of categorical values where associated attributes are grouped as
a logical chunk of data represented as a decision tree, where each decision tree operates separately and independently from
each other, where the input variable comprises a decision tree data structure with collapsible nodes that are dynamically
modifiable by the user;

displaying, via the user interactive interface, the processed data relative to a target variable and attribute interactions
with one or more other attributes to identify trends and anomalies;

modifying, via the user interactive interface, one or more parameters that define the input variable;
executing, by the computer, the input variable by extracting code that captures the processing step to generate the input
variable to facilitate model development; and

storing, in a database, the extracted code for the input variable.

US Pat. No. 9,697,521

AUTHENTICATION SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. An authentication computing system, the authentication computing system comprising:
a non-transitory memory storing at least a risk policy and a customer database that includes at least customer account information;
at least one computer processor coupled to the memory, executing instructions to perform at least the following:
receiving an authentication request from at least one communication channel, wherein the authentication request is received
through an authentication dialog on a user interface;

wherein in response to receiving the authentication request from at least one communication channel, the at least one computer
processor is activated to automatically perform at least the following:

retrieving and recording at least a portion of a customer activity with respect to a customer account;
determining one of more than two risk levels associated with the customer account by accessing rule sets for multiple risk
levels associated with the policy, wherein the one of more than two risk levels account for recorded customer activity predictive
of risky behavior and wherein the step of determining the one of more than two risk levels further comprises generating a
confidence level value, and wherein the determining whether to approve the authentication request is further based on a comparison
of the confidence level value and a confidence level value threshold;

determining, through the at least one computer processor, whether to approve the authentication request based on the authentication
request, the one of more than two risk levels and application request activity associated with the customer account;

transmitting an authentication result based on determining whether to approve the authentication request; and
updating the customer account.

US Pat. No. 9,619,800

SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS

JPMorgan Chase Bank, N.A....

1. A system that keeps check of financial transactions by maintaining a count of financial transactions conducted by each
of a plurality of payment devices that are associated with an account, each payment device having attributes including at
least one of (1) a CVV number that differs from other CVV numbers for the other payment devices associated with the account
and (2) an expiration date that differs from other expiration dates for the other payment devices associated with the account,
the system comprising:
a communication portion that receives transaction data, the transaction data including an account number, an input transaction
count value and at least one attribute of a payment device used to conduct the transaction;

a processing portion, in the form of a tangibly embodied computer processor, that processes the transaction data, the processing
portion including:

a memory portion that stores stored data;
a payment device identification portion that identifies the payment device used to conduct the transaction out of the plurality
of payment devices based on the attributes;

a register portion that maintains a count of financial transactions so as to provide a current transaction count value associated
with the payment device, the register portion maintaining current transaction count values for the plurality of payment devices;

an authentication portion that performs authentication processing based on a comparison process that utilizes the current
transaction count value and the input transaction count value, the authentication portion generating an authentication result,
the authentication portion outputting the authentication result; and

the authentication portion outputting the authentication result to a point of sale device.

US Pat. No. 9,558,204

SYSTEM AND METHOD FOR MANAGING INFORMATION RETRIEVALS FOR INTEGRATED DIGITAL AND ANALOG ARCHIVES ON A GLOBAL BASIS

JPMorgan Chase Bank, N.A....

1. A method for enabling data access from a remote computing device, the method comprising the steps of:
accessing and executing instructions stored in at least one hardware storage device, using at least one computer processor
to perform steps including:

receiving a data access request for a plurality of data objects, including a first data object and a second data object;
selecting a plurality of distributed remote data repositories storing said plurality of data objects based on the data access
request;

generating a request at a first retrieval queue for the first data object;
generating a request at a second retrieval queue for the second data object;
concurrently processing the requests in the first retrieval queue and the second retrieval queue;
determining the format of retrieved data objects;
comparing the retrieved object format against a delivery format required by the data access request;
when the delivery format does not match the retrieved object format, reformatting the retrieved data object to comply with
the request.

US Pat. No. 9,661,021

SYSTEM AND METHOD FOR ANTI-PHISHING AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A method for providing security against phishing attacks during client access of a server, the method comprising:
providing from the server, upon initiation of a client-server session by the client, an encrypted commitment;
receiving at the server, a dynamic credential from the client, in response to receipt of the encrypted commitment;
validating the dynamic credential at the server;
upon successful validation, transmitting from the server, a commitment key to the client, the commitment key enabling the
client to authenticate the server, wherein the client is prohibited from transmitting a static credential until the client
authenticates the server.

US Pat. No. 9,608,826

SYSTEM AND METHOD FOR PARTNER KEY MANAGEMENT

JPMorgan Chase Bank, N.A....

1. A method comprising:
storing, by an institution computer of a first institution, a file comprising a stored policy statement mutually agreed upon
by the first institution and a user, wherein the stored policy statement comprises security procedures governing transactions
between the first institution and the user;

generating a credential to execute a plurality of online transactions with the first institution and a second institution;
generating a digital signature with the credential using Portable Security Transaction Protocol;
receiving, by the institution computer, a request from the user for registration of the credential;
examining, by the institution computer, the request for registration of the credential;
determining whether the request for registration of the credential complies with registration requirements established by
the first institution;

in response to determining that the request for registration of the credential complies with the registration requirements
established by the first institution, registering, by the institution computer, the credential to represent the user with
regard to a plurality of online transactions with the first institution;

receiving, from the user, a request for an online transaction comprising a received policy statement and the digital signature,
wherein the received policy statement comprises security procedures governing transactions between the first institution and
the user;

verifying the identity of the user by examining the digital signature;
determining whether the received policy statement complies with the stored policy statement; and
in response to verifying the identity of the user and determining that the received policy statement complies with the stored
policy statement, authorizing, by the institution computer, the requested online transaction; and

executing the requested online transaction.

US Pat. No. 10,042,631

SYSTEM AND METHOD FOR AUTOMATED CONTENT AND SOFTWARE MIGRATION

JPMorgan Chase Bank, N.A....

1. A computing system for migrating at least one record including application and packages configured for a first version of a configuration manager to a second version of the configuration manager, the system comprising:a computer memory storing instructions including a Migration Preparation Engine and a Migration Execution Engine;
at least one computer processor executing the stored instructions to perform steps including:
preparing at least one package for migration from the first version of the configuration manager to the second version of the configuration manager using the Migration Preparation Engine, wherein the package comprises at least one program, and wherein preparing the at least one package comprises determining whether to run a custom package migration tool by determining when the at least one program is dependent on the record;
running the custom package migration tool when at least one program is dependent on the record;
migrating the at least one package from the first version of the configuration manager to the second version of the configuration manager using a custom package migration tool by translating old version package properties into new version package properties and adding a record to a package migration table based on the new version package properties, wherein the translating further comprises with respect to at least one of the old version package properties reducing content in the at least one package being migrated;
preparing, when no programs are dependent on the record, at least one application for migration from the first version of the configuration manager to the second version of the configuration manager using the Migration Preparation Engine, wherein the application comprises at least one deployment type record;
migrating the at least one application and associated at least one deployment type record from the first version of the configuration manager to the second version of the configuration manager using the Migration Execution Engine; and
storing at least one migration record in the computer memory to record the migration of the at least one application.

US Pat. No. 9,747,095

SYSTEM AND METHOD FOR AUTOMATED CONTENT AND SOFTWARE MIGRATION

JPMorgan Chase Bank, N.A....

1. A computing system for migrating at least one record including application and packages configured for a first version
of a configuration manager to a second version of the configuration manager, the system comprising:
a computer memory storing instructions including a Migration Preparation Engine and a Migration Execution Engine;
at least one computer processor executing the stored instructions to perform steps including:
preparing at least one package for migration from the first version of the configuration manager to the second version of
the configuration manager using the Migration Preparation Engine, wherein the package comprises at least one program, wherein
preparing the at least one package comprises determining whether to run a custom package migration tool by determining if
at least one program is dependent on the record, determining, when no program is dependent on the record if any program in
the package is dependent from another program, determining, when no program in the package is dependent from another program,
if the package is used in a task sequence, and determining if the package is not used in a task sequence if a program count
is greater than a pre-set threshold;

running the custom package migration tool when any of the following conditions is true: (a) at least one program is dependent
on the record; (b) any program from the package is dependent from another program; (c) the package is used in a task sequence;
and (d) the program count is greater than the pre-set threshold;

migrating the at least one package from the first version of the configuration manager to the second version of the configuration
manager using the custom package migration tool by translating old version package properties into new version package properties
and adding a record to a package migration table based on the new version package properties;

preparing, when conditions (a), (b), (c), and (d) are false, at least one application for migration from the first version
of the configuration manager to the second version of the configuration manager using the Migration Preparation Engine, wherein
the application comprises at least one deployment type record;

migrating the at least one application and associated at least one deployment type record from the first version of the configuration
manager to the second version of the configuration manager using the Migration Execution Engine; and

storing at least one migration record in the computer memory to record the migration of the at least one application.

US Pat. No. 9,807,238

SYSTEM AND METHOD FOR GAMIFIED SERVICE REQUEST MANAGEMENT

JPMorgan Chase Bank, N.A....

1. A request management computing system for managing incoming requests from customers in order to expedite request resolution,
the request management computing system comprising:
at least one computer memory storing customer experience profiles;
a request management server including:
a request processing engine, the request processing engine receiving an incoming customer request, identifying the customer
sending the request; searching for a customer experience profile for the identified customer in a customer database stored
in the computer memory; determining based on the customer experience profile an experience level of the customer, the experience
level selected from one of multiple pre-defined levels; and

a request router, the request router selecting a resolution process from multiple available resolution processes, each resolution
process corresponding to one of the pre-defined levels, wherein the selected resolution process is appropriate to the experience
level and routing the customer request to an agent system; and

the agent system receiving the customer request and executing the resolution process appropriate to the experience level,
thereby resolving the customer request for the requesting customer.

US Pat. No. 9,734,150

DOCUMENT MANAGEMENT TECHNIQUES TO ACCOUNT FOR USER-SPECIFIC PATTERNS IN DOCUMENT METADATA

JPMorgan Chase Bank, N.A....

1. An electronic document management system, the system comprising:
a DMS server having at least one computer processor;
at least one storage medium storing electronic documents and metadata associated therewith; and
at least one of a user interface and a network interface;
said DMS server being configured to:
identify one or more user-specific naming patterns in metadata created by a first user in connection with a plurality of electronic
documents;

record, in said at least one storage medium, said identified one or more user-specific naming patterns in at least one of
a naming patterns file (NPF), database, and lookup table;

create a modified copy of the metadata wherein at least a portion of the original metadata created by the first user are modified,
based on the recorded user-specific naming patterns, to improve searchability of the plurality of electronic documents by
other users;

store the modified copy of the metadata in association with the plurality of electronic documents; and
make the modified copy of the metadata available in a document query for one or more of the plurality of electronic documents
by a second user.

US Pat. No. 9,720,655

USER INTERFACE EVENT ORCHESTRATION

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for automated generation and utilization of reusable user interface event handling routines,
the method comprising:
defining, using a computer system, a business domain object from a line of business;
associating, using the computer system, the business domain object with a user interface component type;
generating an interface to allow definition of a rule for the user interface component type, wherein generating the interface
comprises receiving a graphical representation of a user interface containing enhanced user interface controls associated
with the business domain object and analyzing the graphical representation of the user interface and associations between
the enhanced user interface controls and the business domain object to generate the interface to allow definition of the rule;

defining, using the computer system, the rule for an event of the user interface component type based on the associated business
domain object;

automatically generating, using the computer system, an event handling routine based on the rule for the event of the user
interface component type, the event handling routine providing the defined rule in a first programming language;

associating, using the computer system, the generated event handling routine with a user interface component of an application
interface; and

utilizing the generated event handling routine when a corresponding event associated with the user interface component is
detected in the application interface.

US Pat. No. 9,646,304

SYSTEM FOR PROVIDING CARDLESS PAYMENT

JPMorgan Chase Bank, N.A....

1. A method for completing an authentication relating to a financial transaction account of an account holder, the financial
transaction account associated with a telephone number and a plurality of personal identification entries, the telephone number
being stored and linked with the plurality of personal identification entries in a database, the method comprising:
a first computer processor receiving, from an electronic device associated with the account holder, a telephone call for conducting
a transaction using the financial transaction account;

the first computer processor identifying, using automatic number identification (ANI) system, the telephone number associated
with the account holder;

the first computer processor transmitting the identified telephone number to a second computer processor;
the second computer processor searching the database to identify a matching stored telephone number that matches the telephone
number received from the first computer;

the second computer processor selecting a current personal identification entry from the plurality of personal identification
entries that are linked to the matching stored telephone number and the identified financial transaction account, said selecting
is based on a rotation through the plurality of stored personal identification entries;

the second computer processor transmitting a first request for submission of a first personal identification entry to the
first computer processor;

the first computer processor prompting the account holder for submission of the first personal identification entry, the prompt
including information identifying the selected personal identification entry from the plurality of stored personal identification
entries;

the first computer processor receiving, from the account holder, entry of the first personal identification entry;
the first computer processor transmitting the first personal identification entry to the second computer processor;
the second computer processor determining that the received first personal identification entry matches the selected personal
identification entry; and

the second computer processor transmitting a financial transaction authentication based on at least the identified financial
transaction account.

US Pat. No. 9,692,901

SYSTEM AND METHOD OF INTELLIGENT CALL ROUTING FOR CROSS SELL OFFER SELECTION BASED ON OPTIMIZATION PARAMETERS OR ACCOUNT-LEVEL DATA

JPMORGAN CHASE BANK, N.A,...

1. A method of routing and handling incoming customer communications in a unified system having a central server, the method
comprising:
pre-forming, by at least one first computer processor, at least partially a communication strategy for a customer, in anticipation
of at least one incoming real-time communication from the customer, wherein the at least one incoming real-time communication
is selected from a group consisting of telephonic calls, web-based communications, voice-over-IP communications, and real-time
text interactions, the at least partially pre-formed communication strategy comprising at least one of a routing strategy
and a handling strategy determined based on customer-specific behavior or profile data and/or offer information relating to
one or more products or services;

storing the at least partially pre-formed communication strategy in association with the central server;
receiving, at the central server, information of a customer communication including identification data that identifies the
customer for whom the communication strategy has been at least partially pre-formed; and

generating, by at least one second computer processor, a routing control signal for routing or handling the customer communication
based at least in part on the at least partially pre-formed communication strategy associated with the customer.

US Pat. No. 9,697,524

ENTERPRISE FULFILLMENT SYSTEM WITH DYNAMIC PREFETCHING CAPABILITIES

JPMorgan Chase Bank, N.A....

1. A fulfillment system for providing services to a customer in response to a customer request through one or more communication
channels, the fulfillment system comprising:
non-transitory computer memory storing at least executable instructions and a database comprising a plurality of interaction
applications;

at least one computer processor executing at least the stored executable instructions to perform a plurality of functions,
including functions associated with a request receiving engine and a request processing engine; the request receiving engine
including a plurality of interaction applications to support a plurality of communication channel types and each of the interaction
applications including a plurality of executable interaction policies;

wherein the request receiving engine is connected to the one or more communication channels to perform at least the following
in response to receiving the customer request:

selecting at least one interaction application based at least on the one or more communication channels; and
executing at least one executable interaction policy based at least on the customer request received over the one or more
communication channels, wherein executing comprises determining a format of the customer request and based on the determined
format, converting the format of the customer request to another format;

a request processing engine programmed to automatically perform at least the following in response to receiving the customer
request over the one or more communication channels:

receiving the customer request from the request receiving engine;
analyzing the customer request to determine customer information necessary to fulfill the customer request and to select at
least one policy from a policy database, said analyzing and selecting based on the customer request and the one or more communication
channels;

collecting the customer information from at least a plurality of business unit engines based on the step of analyzing and
the selected at least one policy; and

processing the customer request based on the collected customer information.

US Pat. No. 9,971,654

SAFE STORING DATA FOR DISASTER RECOVERY

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for safe storing one or more transaction messages on a handheld mobile device, the method comprising the steps of:receiving the transaction messages from the handheld mobile device, over a network, via an asynchronous write, on a programmed computer at a primary site, wherein the one or more transaction messages comprises data;
creating a copy of the one or more transaction message received on the programmed computer at the primary site;
transmitting the copy of the one or more transaction messages, over the network, received on the programmed computer at the primary site, via a synchronous write, to a programmed computer at a remote recovery site, wherein the one or more transaction messages received is not operated on at the primary site prior to the copy of the one or more transaction messages being transmitted synchronously to the remote recovery site and wherein the remote recovery site is not colocated with the primary site and the programmed computer at the primary site;
storing the transmitted copy of the one or more transaction messages received in a database at the remote recovery site, wherein the database is communicatively coupled to the programmed computer at the remote recovery site;
operating on the one or more transaction messages received at the primary site after the copy of the one or more transaction messages has been stored at the remote recovery site; and
transmitting an electronic acknowledgement from the primary site to a user interface on the hand-held mobile device after storing the copy of the one or more transaction messages at the remote recovery site, said electronic acknowledgement confirming the asynchronous write.

US Pat. No. 9,946,998

SYSTEM AND METHOD FOR ELECTRONIC DEPOSIT OF A FINANCIAL INSTRUMENT BY BANKING CUSTOMERS FROM REMOTE LOCATIONS BY USE OF A DIGITAL IMAGE

JPMorgan Chase Bank, N.A....

1. A method, comprising:receiving, by an automated electronic banking system, from a remote customer terminal, a log on request from a banking customer, the log on request comprising identification information associated with the banking customer, wherein the automated electronic banking system comprises at least one computer processor and the remote customer terminal comprises at least one computer processor, at least one digital camera configured to capture a digital image, and optical recognition software configured to convert machine printed characters to electronic text or an intelligent character recognition configured to convert handwritten characters to electronic text from a digital image of a financial instrument, wherein further the automated electronic banking system and the remote customer terminal are communicatively coupled over a computer based network, and wherein the remote customer terminal is a telephone capable of performing these functions;
receiving, by the automated electronic banking system, a request, from the telephone, for depositing a value of a financial instrument;
receiving, by the automated electronic banking system, transaction data associated with the financial instrument that has been entered into an interface on the telephone;
receiving, electronically, by the automated electronic banking system, a digital image of the financial instrument that is transmitted from the telephone, wherein the digital image is taken, prior to transmission, using the at least one digital camera of the telephone;
receiving, electronically, by the automated electronic banking system, an image data set for the financial instrument that is transmitted from the telephone, wherein the image data set is comprised of text converted from the digital image of the financial instrument; and
depositing, by the automated electronic banking system, the value of the financial instrument into a bank account based the received transaction data.

US Pat. No. 9,811,810

PURCHASE DATA TRANSMISSION AND ANALYSIS SYSTEM

JPMorgan Chase Bank, N.A....

1. A purchase data transmission and analysis system for facilitating purchase data capture and analysis, the system operating
over the Internet and in conjunction with a user device and a merchant computing system, the system comprising:
at least one computer memory storing instructions and data;
a data management server, the data management server including a data capture system and a data transmission system, the data
capture system operating in association with the merchant computing system and storing purchase data acquired by the merchant
computing system during a purchase transaction in the at least one computer memory and establishing a URL for each purchase
transaction, the URL providing access to the stored purchase data; the data transmission system transmitting a bank card authorization
stream including the URL in a discretionary field of the authorization stream;

a banking system receiving the bank card transaction authorization stream including the URL originating from the data transmission
system associated with the merchant computing system, the URL received in the discretionary field in the authorization stream
for the bank card purchase transaction;

a data analysis and presentation computing system accessible to the banking system, the data analysis and presentation system
retrieving information over a network at a location referenced by the URL, wherein the information includes a merchant identifier
and line item data related to a purchase, the data analysis and presentation computing system attaching the retrieved information
to the transaction authorization stream to create a complete description of the transaction, analyzing the complete description
of the transaction and creating at least one customer interface for the customer and at least one merchant interface for the
merchant based on the analysis.

US Pat. No. 10,049,409

LINKING DATA FROM MULTIPLE MARKET PARTICIPANTS TO GENERATE A CONSOLIDATED AUDIT TRAIL

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for linking data to generate a consolidated audit trail using a transaction monitoring system, the method comprising:receiving, over the Internet, at an adaptor of the transaction monitoring system, from a first market participant and with respect to a first transaction, first transaction information, the first transaction information comprising an identity of a beneficiary of the first transaction and one or more first transaction parameters associated with the first transaction;
transmitting the first transaction information from the adaptor to an Extract Transform Load (ETL) tool;
transforming the first transaction information into a consolidated audit trail format with the ETL tool and generating an audit trail with respect to the first transaction, the audit trail comprising one or more first data fields for the one or more first transaction parameters and one or more additional data fields for the data identifying the beneficiary;
receiving, over the Internet, at the adaptor of the transaction monitoring system, from a second market participant and with respect to the first transaction, second transaction information, the second transaction information comprising the identity of the beneficiary and one or more second transaction parameters associated with the first transaction;
linking the second transaction information comprising data for one or more second transaction parameters with one or more second data fields in the audit trail when the identity of the beneficiary in the second transaction information is the same as the identity of the beneficiary in the one or more additional data fields in the audit trail;
processing, with one or more processors, the first transaction information and the second transaction information to identify a discrepancy, wherein a portion of the second transaction information failed to successfully link to the first transaction information;
normalizing and storing successfully linked second transaction information in a database of the transaction monitoring system;
initiating one or more first actions with respect to the second transaction information failing to link based on the discrepancy and updating the audit trail to reflect identification of the discrepancy; and
providing an updated audit trail, thereby enabling monitoring of the first transaction throughout the transaction process.

US Pat. No. 9,652,341

METHOD AND SYSTEM FOR IMPLEMENTING A DIGITAL APPLICATION ARCHITECTURE WITH DISTINCT PROCESSING LANES

JPMORGAN CHASE BANK, N.A....

1. A system having a network architecture, the system comprising:
a first co-location comprising:
a first pod comprising a processor that supports a first subset of customers associated with an entity; the first pod comprising:
a web browser comprising a plurality of sections, each section corresponds to a designated processing lane;
a plurality of designated processing lanes, where a first designated processing lane supports a read local function that accesses
and displays customer account information for a customer, the read local function is limited to accessing a read local database,
a second designated processing lane supports a write local function that records performance data associated with the customer,
the write local function is limited to accessing a write local database and the read local database; and a third designated
processing lane supports a third remote business function across a network that sends process data to an enterprise center
for processing; wherein the designated processing lanes are distributed based on the customer's personal usage and interaction
with the entity;

a second pod comprising a processor that supports a second subset of customers associated with the entity; and
a failover pod comprising a processor that supports one or more other pods in a second co-location and one or more other pods
in a third co-location during a failover mode; and

an enterprise datacenter that replicates data for the first subset of customers and the second subset of customers and transmits
the replicated data for the first subset of customers and the second subset of customers to the first co-location.

US Pat. No. 9,922,649

SYSTEM AND METHOD FOR CUSTOMER INTERACTION MANAGEMENT

JPMORGAN CHASE BANK, N.A....

1. A customer interaction management system comprising:
a memory that stores and manages customer profile data and customer interaction data;
a voice response input that receives a voice pattern from a customer; and
a computer processor, coupled to the memory and the voice response input, programmed to:
retrieve customer voice data from a current customer interaction relating to a customer account via a voice channel, the current
customer interaction comprises an interactive voice response (IVR) process;

retrieve data from one or more other interactions via one or more other channels relating to account activity on the customer
account and transaction activity with one or more merchants;

compare the customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer
voice interactions;

calculate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice
data and data from one or more other interactions;

during the current customer interaction, update the customer score based on customer progress data; and
develop one or more actions, in response to the customer score, the one or more actions comprising shortening the current
IVR process based on the customer score and routing the customer to an appropriate agent based on the customer score.

US Pat. No. 9,613,379

TRADER PORTAL SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer-implemented trader portal system for integrating trader related resources, the trader portal system comprising:
a trader resource integration engine, implementing computer processing components, for automatically integrating trader related
resources collected from multiple sources over a plurality of communication channels with the trader portal system in accordance
with an administrative configuration;

a screen configuration engine, implementing computer processing components, for customizing at least one user interface screen
with the integrated trader related resources in accordance with trader selections; and

multiple user interface modules for displaying the integrated trader related resources;
wherein at least one user interface module of the multiple user interface modules comprises internal and external integrated
trader related resources retrieved from at least one internal source disposed inside a trading organization over a first communication
channel of the plurality of communication channels and at least one external source disposed external of the trading organization
over a second communication channel of the plurality of communication channels in accordance with the customized at least
one user interface screen to generate a real-time display;

wherein, in response to receiving the integrated trader related resources, the trader portal system connects with at least
one remote trader computing system and causes a display of the multiple user interface modules at the least one remote trader
computing system, said display including the real-time display; and

wherein the at least one user interface module further integrates a trading functionality of the at least one external source.

US Pat. No. 9,923,855

SYSTEMS AND METHODS FOR ELECTRONIC MESSAGE PRIORITIZATION

JPMorgan Chase Bank, N.A....

1. A method for prioritizing electronic messages in an electronic message repository, comprising:
at least one computer processor receiving electronic location information from an mobile electronic device associated with
the user;

the at least one computer processor determining an amount of message review time available to a user to review electronic
messages in the user's electronic mail repository based on the electronic location information;

the at least one computer processor estimating a number of electronic messages that the user can review in the message review
time based on a historical message review rate for the user automatically measured by the at least one computer processor;

the at least one computer processor determining a priority level for each of a plurality of electronic messages in the user's
electronic message repository;

the at least one computer processor selecting one or more electronic messages for user review from a plurality of electronic
messages in the user's electronic message repository based on the estimated number of electronic messages that the user can
review and the priority level for the electronic messages,

wherein the at least one computer processor continues to maintain the plurality of electronic messages in the user's electronic
message repository; and

the at least one computer processor provides the selected electronic messages to the user.

US Pat. No. 9,924,034

SYSTEM AND METHOD FOR MANAGING CUSTOMER COMMUNICATIONS OVER COMMUNICATION CHANNELS

JPMorgan Chase Bank, N.A....

1. A method for managing customer communications over a plurality of communication channels comprising:
in an information processing device comprising at least one computer processor:
retrieving, from a database, contact information for a customer;
determining that the contact information comprises a cellular phone number;
determining that the customer has consented to being contacted on the cellular phone number; and
automatically initiating contact with the customer using the cellular phone number over a cellular communication channel using
an automated dialing device, wherein the contact with the customer comprises a marketing solicitation.

US Pat. No. 9,811,868

SYSTEMS AND METHODS FOR INTEGRATING A DEAL PROCESS

JPMORGAN CHASE BANK, N.A....

1. A computer implemented system for executing and integrating a whole lifecycle of a deal, wherein the computer implemented
system comprises at least a programmed computer processor which communicates with a deal team and other functional entities
via a communication network, the computer implemented system comprising:
(a) a deal workspace which is an electronic folder structure for securely storing and sharing documents related to the deal
using the programmed computer processor;

(b) a conflicts approval module, comprising a processor, configured to carry out a conflicts approval process based at least
in part on a determination of a product associated with the deal as the deal becomes a formal pitch via interacting with a
conflicts approval office and the deal team, wherein the formal pitch involves the deal team winning a sale of the product
to a client;

(c) an expense tracking pipeline, comprising a processor, configured to track expenses occurring during the deal lifecycle
and reporting to a financial institution with classified information;

(d) a navigation module, comprising a processor, configured to allow a deal team member to access and edit documents and information
via the communication network in real-time of all the deals that the deal team member is working on and all the clients that
the deal team member is working with; and

(e) a deal closure module, comprising a processor, configured to close the deal which achieved mandate status, making documentation
for that deal, and making the information reusable to appropriate clients.

US Pat. No. 9,760,947

SYSTEM AND METHOD FOR INTERACTIVE VIRTUAL BANKING

JPMorgan Chase Bank, N.A....

1. A computer-implemented interactive virtual banking system for connecting a user environment, including an account holder
computing system, with a banking environment for facilitating banking transactions, the system comprising:
a computer memory disposed within the interactive virtual banking system and storing a plurality of programs including banking
application programs;

an interactive virtual environment generator for generating an interactive virtual banking environment, the interactive virtual
banking environment including visual and audio components depicting a rendering of a bank branch;

a user input sensing system for accepting and interpreting user input received in the interactive virtual banking environment
generated by the interactive virtual environment generator, wherein the sensing system senses a user presence in the interactive
virtual banking environment and synchronizes all user devices upon sensing the user presence; and

computer processing components for accessing the stored programs including the banking application programs and executing
the stored programs to perform steps including;

providing customization options allowing the user to enter input to select customized features of a bank branch within the
generated interactive virtual banking environment;

providing a rendering of multiple portals for the customized bank branch within the generated interactive virtual banking
environment, the multiple portals each associated with different services;

sensing user input through the user input sensing mechanism, the user input requesting entry into one of the multiple portals;
responsive to the user input, selecting and retrieving an application from the computer memory; and
providing the interactive application, over the Internet to the account holder computing system, for allowing the user to
receive the service associated with the selected portal in the customized interactive virtual banking environment.

US Pat. No. 9,639,894

SYSTEMS AND METHODS FOR GIFT CARD LINKING

JPMorgan Chase Bank, N.A....

1. A method for processing a payment using a linked stored value instrument, comprising:
in an information processing apparatus including at least a memory, a communication interface, and at least one computer processor:
receiving, from a customer, a registration of a stored value instrument for a merchant that links the stored value instrument
to a financial instrument issued by a financial institution;

storing the registration in a database;
receiving, from the merchant and over a payment network, a payment request for a transaction for a transaction amount using
the financial instrument,

while the transaction is pending, identifying the stored value instrument associated with the merchant and the financial instrument
in the database;

retrieving a balance for the stored value instrument from a stored value instrument processor for the merchant;
communicating the balance for the stored value instrument and a request for approval to apply the balance to the transaction
amount to a mobile electronic device associated with the customer;

receiving, from the mobile electronic device, approval from the customer to apply the balance of the stored value instrument
to the transaction amount; and

conducting a first part of the transaction using the balance of the stored value instrument with the stored value instrument
processor.

US Pat. No. 10,032,144

SYSTEMS AND METHODS FOR ENHANCED DINING AND OTHER EXPERIENCES USING A MOBILE DEVICE

JPMorgan Chase Bank, N.A....

1. A method for enhanced cardless payment performed for an event, the method performed by a system comprising a computer processor coupled to a memory configured to execute programmed instructions stored in the memory, the method performed by the system comprising:receiving, from a customer, a customer identifier and an indication that the customer will use a cardless payment feature for the event, wherein the customer identifier is associated with a messaging address and a payment account;
the system monitoring a sales transaction of at least one good or service to the customer during the event;
the system performing processing, at the beginning of the event, to determine cardless payment feature availability including:
determining a probable spend of the customer for the event;
determining a probable spend acceptable threshold (PSAT) for the event;
comparing the probable spend of the customer versus the PSAT, and based on such comparing determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer;
receiving from the customer, through the cardless payment feature, a selection of a good or service associated with the event;
the system observing a triggering development during the course of the event, such observing triggering the system to perform further processing to determine cardless payment feature availability during the course of the event for the customer, wherein the system observing a triggering development during the course of the event is constituted by the system:
inputting data indicating that the customer has incurred an additional expense item during the course of the event; and
in response to the input of additional expense data, automatically determining that such additional expense constitutes a triggering development by comparing the value of the additional expense against a threshold expense; and determining whether the value of the additional expense exceeds the threshold expense;
the system generating an invoice for the good or service in response to the cardless payment feature;
the system transmitting, over at least one network, the invoice to the customer's messaging address;
the system receiving, over the at least one network, an approval for the invoice from the customer; and
the system charging the customer's account for the invoice.

US Pat. No. 9,985,992

ENTITLEMENT SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for controlling access by users of an organization to a plurality of components of a computer application, the computer implemented method implemented by a hardware processor comprising:storing, in an electronic entitlement database, an enumeration that defines entitlement data and identifies the plurality of components of the computer application, wherein the entitlement data specifies access rights to the plurality of components for a user or a defined group of users;
storing, in the electronic entitlement database, an electronic lookup table containing the entitlement data;
receiving from a user of a computing device executing the computer application a request for access to at least one of the plurality of components of the computer application on the computing device, the request comprising a security identifier (SID) of the user or the defined group of users, an application identifier for the computer application, and an object identifier that specifies a plurality of security levels for the computer application;
determining authorization for the at least one of the plurality of components of the computer application based on the enumeration, the SID, the application identifier, and the object identifier;
generating an electronic bit string specifying access to the at least one of the plurality of components of the computer application, based on the SID and the application identifier, where each bit in the electronic bit string corresponds to the entitlement data defined by the enumeration and indicates authorization for the user or the defined group of users to access a respective component of the computer application, and an order of bits in the electronic bit string is based on an order of the entitlement data defined by the enumeration stored in the electronic entitlement database;
storing the electronic bit string in the electronic entitlement database in association with the SID, job code, mail code, or cost center; and
transmitting the electronic bit string to the computer application;
wherein the computer application grants or denies the user of the computing device access to the at least one of the plurality of components of the computer application based on an associated bit in the electronic bit string.

US Pat. No. 9,760,934

SYSTEM AND METHOD FOR INTELLIGENT GIFT REGISTRY

JPMorgan Chase Bank, N.A....

1. A method for using an intelligent gift registry, comprising:
a server comprising at least one computer processor receiving, from an electronic device associated with a gift receiver,
an identification of at least one gift receiver interest;

the server retrieving, from a third party system, a gift receiver purchase history comprising a plurality of items purchased
by the gift receiver, wherein the third party system comprises a financial institution system or a merchant system;

the server receiving, from an electronic device associated with a gift giver, an identification of at least one gift giver
interest;

the server generating a gift giving suggestion list comprising at least one gift giving suggestion that is based on the at
least one gift receiver interest, the gift receiver purchase history, and the at least one gift giver interest;

providing, to the gift giver, the gift suggestion list; and
receiving, from one of the gift giver, a gift selection from the gift selection list.

US Pat. No. 9,691,065

AUTOMATED TRANSACTIONS CLEARING SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A transaction clearing system for receiving selections for verifying transactions at a plurality of transaction systems
and verifying a plurality of transactions having a plurality of transaction data structures, the transaction clearing system
comprising:
a system modeling database stored in non-transitory memory, the system modeling database storing transaction model data;
at least one computer processor, the computer processor, in response to receiving a selection of a plurality of transactions
over at least one of a plurality of communication channels, automatically executing stored executable computer instructions
to perform at least the following:

retrieving transaction data of the plurality of transactions over the plurality of communication channels from a plurality
of data sources based on the received selection;

processing the transaction data to detect a transaction data structure of at least a portion of said transaction data;
generating a datum identifying the detected transaction data structure;
retrieving transaction model from the system modeling database based on the datum identifying the detected transaction data
structure; and

executing the transaction model to verify transaction data integrity based on the transaction data and the transaction modeling
data.

US Pat. No. 10,002,384

AUTOMATED CARD NOTIFICATION SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer-implemented system, operating in conjunction with a financial account, for automatically conveying information to an account holder, the system comprising:a card associated with the financial account, the card including a display, a processor, and a signal receiving mechanism for receiving a remotely generated wireless radio frequency signal;
a host computing system remote from the card, the host computing system including;
a computer memory storing message information and instructions;
a computer processor accessing the computer memory and executing the stored instructions;
an event detection module executed by the computer processor for detecting an event related to the financial account, the event including an attempted transaction accessing the financial account;
a message selection component communicating with the event detection module for selecting an account-related message corresponding to the event detected by the detection module, wherein the account-related message is selected from available fraud prevention messages, the account related message including a telephone number accompanied by a request for the account holder to call the telephone number and a photograph of the cardholder; and
a message generation module for generating the account-related message and transmitting the account-related message via the radio frequency signal directly to the signal receiving mechanism on the card associated with the financial account, wherein the processor of the card conveys the account-related message received from the message generation module to the display of the card.

US Pat. No. 9,953,333

SYSTEMS AND METHODS FOR USE OF TRANSACTION DATA FOR CUSTOMERS

JPMORGAN CHASE BANK, N.A....

1. A method that uses transaction data to provide information to a customer, the information being provided in response to a request from the customer to assist the customer in decisioning, the method comprising;inputting transaction data, by a tangibly embodied processing system, regarding a plurality of transactions effected at a plurality of merchants;
inputting, by the processing system, a request for information from a requesting customer, the request including parameters related to the request;
performing processing, by the processing system, based on both the transaction data and the request for information, the processing including generating a response to the request, and
the generating the response to the request including determining similarly situated customer information based on (a) the transaction data that was input and (b) the request for information from the customer as such request for information relates to similarities of the customer vis-à-vis other customers, and
the determining the similarly situated customer information including comparing parameters, of the customer, vis-à-vis other customer parameters associated with the other customers to determine the similarly situated customer information; and
outputting, by the processing system, the response to the requesting customer, the response including the similarly situated customer information;
the processing further including determining an indicator of transaction congestion at a physical store of each of the plurality of merchants, the indicator of transaction congestion based on the transaction data that was input and the request for information from the customer as such request for information relates to the store transaction data.

US Pat. No. 9,900,267

SYSTEMS AND METHODS FOR PACKET SWITCHING

JPMorgan Chase Bank, N.A....

1. A method comprising:
providing a switching device implementing cross-point switching functionality, the switching device including a first plurality
of input/output (I/O) ports and a second plurality of I/O ports, wherein each port of the first plurality of I/O ports is
electrically coupled to a pluggable transceiver socket configured to receive a cable connector; and

electrically coupling a processing device including a plurality of transceivers to the second plurality of I/O ports;
receiving programming logic incorporating a programmable port mapping scheme at a control interface of the switching device,
the programming logic instructing the switching device to output the first electric signal to a second I/O port of the first
plurality of I/O ports and to a third I/O port of the second plurality of I/O ports, in accordance with the programmable port
mapping scheme;

receiving at the switching device, via a first I/O port of the first plurality of I/O ports, a first electric signal encoding
one or more incoming data packets;

receiving, at the processing device, the first electric signal, and outputting a second electric signal encoding one or more
modified data packets derived from the incoming data packets, the processing device implementing a data compression algorithm
to compress the incoming data packets and create the modified data packets; and

transmitting the modified data packets back to the switching device from the processing device through at least one of the
plurality of transceivers.

US Pat. No. 9,753,913

SYSTEM AND METHOD FOR RESEARCH REPORT GUIDED PROACTIVE NEWS ANALYTICS FOR STREAMING NEWS AND SOCIAL MEDIA

JPMorgan Chase Bank, N.A....

1. A computer implemented method, comprising:
extracting, by a computer processor, one or more statements from one or more unstructured sources wherein the extracted statements
comprise at least one of predictive and conditional statements pertaining to an event in the future;

normalizing, by the computer processor, the extracted statements;
linking the extracted statements from the one or more unstructured sources based on one or more factors;
creating, by the computer processor, a list of custom keywords based on the extracted statements;
creating a custom keyword library from the list of custom keywords;
creating natural language processing structures for identifying analogous expressions for the custom keyword library;
linking the custom keyword library and the natural language processing structures;
prefetching data, based on the linked custom keyword library and natural language processing structures, from at least one
of a stream of news, social media, and unstructured sources;

ranking the extracted statements based on a strength of agreement; and
creating an alternative conditional statement flow chart upon the extracted statements having a high degree of disagreement.

US Pat. No. 10,049,399

SYSTEM AND METHOD FOR INTELLIGENT GIFT REGISTRY

JPMorgan Chase Bank, N.A....

1. A method for creating an intelligent gift registry, comprising:a server comprising at least one computer processor receiving, from an electronic device associated with a gift receiver, gift receiver information, the gift receiver information comprising at least one of a gift receiver identifier, at least one gift receiver gift date, and gift receiver demographic data;
the server receiving, from the electronic device associated with the gift receiver, an identification of at least one gift receiver interest;
the server receiving, from the electronic device associated with the gift receiver, an identification of a source for at least one additional gift receiver interest, wherein the source for the at least one additional gift receiver interest comprises an electronic social network;
the server retrieving, from an electronic device associated with the electronic social network, the at least one additional gift receiver interest;
the server receiving, from the electronic device associated with the gift receiver, an identification of a source for at least one additional gift receiver purchase, wherein the source for the at least one additional gift receiver purchase comprises an issuer of a credit card issued to the gift receiver;
the server retrieving, from an electronic device associated with the issuer of a credit card, at least one additional gift receiver purchase; and
the server generating a gift giving suggestion list comprising at least one gift giving suggestion that is based on the gift receiver information, the gift receiver interest, the at least one additional gift receiver interest, and the at least one additional gift receiver purchase.

US Pat. No. 10,032,022

SYSTEM AND METHOD FOR SELF-PROTECTING CODE

JPMorgan Chase Bank, N.A....

1. A system for providing an app formation comprising a plurality of apps embedded with a security module, the system comprising:non-transitory computer memory storing at least executable computer instructions and an app database comprising identifying information of at least the plurality of apps associated with the app formation;
at least one computer processor, the computer processor executing executable computer instructions to perform operations associated with an app identification engine and a scanning engine;
wherein the app identification engine executes executable computer instructions using at least one computer processor at the system to identify the plurality of apps on the user device, each of the plurality of apps on the user device including an embedded security module that designates the app formation, and
wherein the scanning engine receives a first request from a code module embedded in a first app associated with the app formation; and
wherein, in response to receiving a first request from a code module embedded in a first app associated with the app formation, the at least one computer processor is automatically activated to perform at least the following operations: processing the first request from the first app by scanning each of the other apps associated with the app formation for malicious code;
returning a first response to the first request based on said processing step;
receiving a second request from a code module embedded in a second app associated with the app formation;
processing the second request from the second app by scanning each of the other apps associated with the app formation for malicious code; and
returning a second response to the second request based on said processing step.

US Pat. No. 9,990,642

SYSTEM AND METHOD FOR GRANTING PROMOTIONAL REWARDS TO CREDIT ACCOUNT HOLDERS

JPMorgan Chase Bank, N.A....

1. A method for identifying and offering reward programs, comprising:at least one computer processor identifying a first reward program that a customer is enrolled in, the first reward program having a first account and associated with a first reward offer;
receiving, from the customer, authorization to product switch from the first reward program to a second reward program, the second reward program having a second account;
the at least one computer processor establishing one or more conversion rules for transferring the customer's rewards in the first account to rewards in the second account, wherein the one or more currency conversion rules comprises one or more specified reward program transfer pairs indicating an allowable conversion of rewards from the first reward program to the second reward program;
the at least one computer processor converting rewards in the first account rewards in the second account based on a conversion rate and in real-time, wherein the conversion rate comprises a universal unit to facilitate conversion of the rewards from the first account to the second account;
the at least one computer processor depositing the converted rewards to the second account;
the at least one computer processor automatically terminating the customer enrollment in the first reward program once the converted rewards are deposited the second account; and
the at least one computer processor transferring the first reward offer to the second reward program.

US Pat. No. 9,747,468

SYSTEM AND METHOD FOR COMMUNICATION AMONG MOBILE APPLICATIONS

JPMorgan Chase Bank, N.A....

1. A method for a first mobile application and a second mobile application on a mobile device to share information, comprising:
the first mobile application executed by a computer processor on a mobile device determining that the second mobile application
is present on the mobile device;

receiving, from a user, permission for the first mobile application to access data from the second mobile application;
the first mobile application executed by the computer processor requesting data from the second mobile application; and
the first mobile application receiving the requested data from the second mobile application.

US Pat. No. 9,721,175

SYSTEMS AND METHODS FOR HIGH FIDELITY MULTI-MODAL OUT-OF-BAND BIOMETRIC AUTHENTICATION THROUGH VECTOR-BASED MULTI-PROFILE STORAGE

JPMorgan Chase Bank, N.A....

1. A method for automatically generating a biometric profile having a plurality of clusters for a user, comprising:
at least one computer processor accessing stored biometric data for a user;
the at least one computer processor grouping the stored biometric data related to a biometric characteristic into a plurality
of clusters using nearest neighbor-based clustering, the stored biometric data within each cluster having a statistically
significant correlation level;

the at least one computer processor checking the stored biometric data within each cluster for consistency; and
the at least one computer processor generating a biometric profile comprising the plurality of clusters for the user.

US Pat. No. 9,710,851

SYSTEM AND METHOD FOR GENERATING GRAPHICAL USER INTERFACE

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for processing applicant input information from a client device, the method implementing
an application processing system for use in creating and processing an application and routing a decision for one or more
selected financial services products, the method comprising:
accepting, over one of multiple distinct input channels, applicant input information through an input interface from the client
device;

generating a graphical user interface using a GUI generator for mediation between the applicant utilizing the client device
and the application processing system, wherein the GUI generator receives domain data defining layout attributes of the application
and based on the layout attributes, converts the received domain data to a presentable format by automatically generating
user interface script to display a user screen on the client device by converting the received domain data from the client
device into an HTML user screen;

implementing computer processing components to perform steps including:
identifying the input channel and collecting the applicant input information;
determining whether the input channel is an interactive input channel or a non-interactive input channel;
selecting real time processing for interactive input formats;
performing a double key check on the applicant input information when the GUI generator receives input through the user screen
on the client device;

automatically selecting one or more decision engines, using a decision engine router, based on the applicant input information
and the one or more selected financial services products;

selecting a required format corresponding to the selected decision engine from a plurality of available formats stored in
a library of decision engine proxies;

converting the applicant input information into application data according to the corresponding required format;
communicating with one or more servers of one or more credit bureaus;
routing the application data to the one or more selected decision engines to process the application data;
receiving the decision from the one or more selected decision engines; and
automatically routing the decision over the network to the client device in real time when the input channel is an interactive
channel.

US Pat. No. 9,612,925

METHOD AND SYSTEM FOR IMPLEMENTING A DISTRIBUTED DIGITAL APPLICATION ARCHITECTURE

JPMORGAN CHASE BANK, N.A....

1. A network architecture comprising:
a first co-location comprising:
a first pod that supports a first subset of users;
a second pod that support a second subset of user;
a first failover pod programmed to exclusively support one or more other pods from a second co-location and one or more other
pods from a third co-location during failover mode, wherein the first failover pod stores replicated data from the second
co-location and the third co-location;

the second co-location comprising:
a third pod that supports a third subset of users;
a fourth pod that supports a fourth subset of users;
a second failover pod programmed to exclusively support one or more other pods at the first co-location and one or more pods
from another co-location during failover mode, wherein the second failover pod stores replicated data from the first co-location
and the another co-location; and

an enterprise entity that replicates data for each of the co-locations and communicates the replicated data to the first co-location
and the second co-location.

US Pat. No. 10,057,131

SYSTEM AND METHOD FOR TOPOLOGY-AWARE CONFIGURATION GENERATION

JPMorgan Chase Bank, N.A....

1. A computer system for configuring a plurality of network devices based on a network topology architecture, the system comprising:non-transitory computer memory including stored executable computer instructions; a programmable processor, the programmable processor executing at least a portion of the stored executable computer instructions to perform at least the following:
receiving network topology data of a computer network that includes a plurality of network devices, the network topology data including at least data related to the logical arrangements of a plurality of network devices connected to the computer network;
automatically detecting a device template and an adjacency template by transmitting at least one command to each network device of the plurality of network devices, the command causing each network device to:
generate device information;
generate adjacency information describing the adjacent network devices of each device; and
transmit the device information and adjacency information to the computer system for configuring a plurality of network devices based on a network topology architecture;
processing a device template for each device type of the plurality network devices, the device template including device data for each device type;
processing an adjacency template for each type of adjacency in the network topology, each adjacency template including adjacency data at least describing connection of two or more network device types, wherein the adjacency data of each adjacency template is not associated with the computer network; and
for each device of the plurality of network devices in the computer network, performing at least the following:
select a device from the plurality of network devices for configuration;
automatically generate a configuration file for the selected device based on a device template and at least one adjacency template associated with the selected device; and configure the selected device using the generated configuration file.

US Pat. No. 10,027,485

SYSTEM AND METHOD FOR DEVICE REGISTRATION AND AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A method for authentication, comprising:a server comprising at least one computer processor receiving, from a mobile device and over a network, a first credential;
the server verifying the first credential;
in response to the verification of the first credential, transmitting, over the network and to the mobile device, a first key and a first value;
receiving, from the mobile device, the first value signed with a device key;
the server validating the first value signed with the device key; and
in response to the validation of the signed first key, the server authenticating the mobile device and a user associated with the mobile device.

US Pat. No. 9,892,576

BIOMETRICS IDENTIFICATION MODULE AND PERSONAL WEARABLE ELECTRONICS NETWORK BASED AUTHENTICATION AND TRANSACTION PROCESSING

JPMorgan Chase Bank, N.A....

1. A biometric identification device, comprising:
a personal identification module that stores a profile for a user;
a static biometric identification module that stores a plurality of static user biometric characteristics for the user;
a dynamic biometric identification module that receives a dynamic user biometric characteristic from a sensing device, the
device remote from the dynamic biometric identification module and communicating with the dynamic biometric identification
module using RF communication and being registered to the user;

a transaction processing module that receives, from a third party, a transaction request for a transaction being conducted
by the user with the third party, the transaction comprising at least one transaction characteristic; and

a security engine comprising at least one computer processor that determines an amount of at least one of the static user
biometric characteristics, the dynamic user biometric characteristics, and the profile required based on the at least one
transaction characteristic;

wherein the transaction processing module communicates the determined amount of the at least one of the static user biometric
characteristics, the dynamic user biometric characteristics and the profile to the third party; and

wherein the biometric identification device is associated with the user.

US Pat. No. 9,886,706

SYSTEMS AND METHODS FOR MOBILE ORDERING AND PAYMENT

JPMorgan Chase Bank, N.A....

1. A computer implemented method for fulfilling a request of a customer for a requested item to be purchased from a merchant,
the method including:
receiving, by a merchant processor, a merchant request from a customer device, the merchant request comprising order information
and customer financial entity account information;

displaying, by the merchant processor, at least a portion of the merchant request so as to allow the merchant to fulfill the
request of the customer, the request of the customer constituting a transaction comprising;

observing an observed event by the customer device, wherein the observed event is associated with the performance of the customer
device or the customer, the observing the observed event triggering the merchant request;

mapping the observed event with a corresponding order record stored in a database within the customer device;
retrieving the order record from the database, the order record including at least customer financial entity account information
and ordering information for the customer request;

generating the merchant request based on the order record, the merchant request that is generated including at least the ordering
information and customer financial entity account information; and

outputting the merchant request to the designated merchant processor;
sending, by the merchant processor, an authorization request to a customer financial entity, the authorization request including
the customary financial entity account information;

receiving, by the merchant processor, an approval from the customer financial entity in response to the authorization request;
and

processing, by the merchant processor, the merchant request from the customer device.

US Pat. No. 9,846,906

DIGITAL BANK BRANCH

JPMorgan Chase Bank, N.A....

1. A digital bank branch system for associating a customer communicating over a network with a banking host computing system
with a physical bank branch, the digital bank branch system comprising:
at least one computer memory at the banking host computing system storing customer information and instructions; and
at least one computer processor at the banking host computing system accessing and executing the stored instructions to perform
steps including:

providing a bank web site from the bank host computing system accessible to mobile user devices over the Internet, the bank
web site offering customers a selection interface enabling changing of a default bank branch by selecting as a local bank
branch at least one physical bank branch from multiple selectable physical bank branches;

providing each customer with a selectable link to a digital branch web page connecting each customer with the selected local
bank branch, the selectable link accessible from a customer accounts page of the bank web site provided by the host banking
computing system;

providing a local branch information area at the digital branch web page, the local branch information area accessible over
the Internet including information relevant to the selected local bank branch including at least one of images of local bank
branch personnel and biographical information of local bank branch personnel;

implementing an alert generator for generating alerts relevant to the selected local bank branch for delivery over a distribution
channel;

selecting the distribution channel for distribution of the alerts relevant to the selected local bank branch from a plurality
of available channels based on a determination from a customer monitor that the customer is using a particular mobile user
device for communicating with the bank host system over the Internet, the available channels including at least email, text
message, and social media channels; and

distributing the alerts over the selected channel to the mobile user device.

US Pat. No. 10,095,220

MODIFYING USER TOOLS TO INCLUDE CONTROL CODE FOR IMPLEMENTING A COMMON CONTROL LAYER

JPMorgan Chase Bank, N.A....

1. A system, comprising: one or more processing systems, user computer systems, application server systems or storage modules, the system comprising memory comprising programmed instructions stored thereon and one or more processors configured to be capable of executing the stored programmed instructions to:receive a user tool of a plurality of user tools, the plurality of user tools each comprising a script program;
determine when the received user tool is previously modified to include one or more control codes;
identify at least one of the one or more control codes to be inserted in the user tool based on analyzing the script program of the user tool, when the determination indicates that the received user tool is not previously modified to include one or more control codes;
automatically modify, the script program of the user tool by inserting the at least one of the identified control code in the script program of the user tool to create a controlled user tool; and
deploy the created controlled user tool in a computing environment.

US Pat. No. 10,067,531

SYSTEMS, METHODS, AND DEVICES FOR WIRELESS GIGABIT (WIGIG) COMPUTING

JPMorgan Chase Bank, N.A....

1. A system for wireless computing, comprising:a wearable computing device comprising:
a computer processor;
a first WiGig interface; and
a sensor that senses whether the wearable computing device is being worn by a user, wherein the sensor either enables the WiGig interface when it senses that the wearable computing device is being worn, or disables the WiGig interface when it senses that the wearable computing device is not being worn; and
a display device comprising:
a display;
a second WiGig interface; and
a human interface device that receives a human input;
wherein the wearable computing device transmits display data to the display device using a WiGig communication network, and receives human input data from the display device using the WiGig communication network so that the wearable computing device functions as a central processing unit for the display device.

US Pat. No. 10,027,802

SYSTEM AND METHOD OF INTELLIGENT CALL ROUTING FOR CROSS SELL OFFER SELECTION BASED ON OPTIMIZATION PARAMETERS OR ACCOUNT-LEVEL DATA

JPMorgan Chase Bank, N.A....

1. A method of routing and handling incoming customer communications in a unified communication system having a central server, the method comprising:pre-forming, by at least one first computer processor, at least partially a communication strategy for a customer, in anticipation of at least one incoming communication from the customer, wherein the at least one incoming communication is selected from a group consisting of telephonic calls, web-based communications, voice-over-IP communications, and real-time text interactions, the at least partially pre-formed communication strategy comprising a routing strategy and/or a handling strategy determined based on customer-specific behavior or profile data and/or offer information relating to one or more products or services;
storing the at least partially pre-formed communication strategy in association with the central server;
receiving, at the central server, information of a customer communication including identification data that identifies the customer for whom the communication strategy has been at least partially pre-formed; and
generating, by at least one second computer processor and based at least in part on the at least partially pre-formed communication strategy associated with the customer, a routing control signal for routing the customer communication to a target site or for supplying one or more corresponding handling strategies to the target site.

US Pat. No. 10,007,923

SYSTEM AND METHOD FOR GRANTING PROMOTIONAL REWARDS TO CREDIT ACCOUNT HOLDERS

JPMorgan Chase Bank, N.A....

1. A method for identifying and offering reward programs, comprising:in an information processing device comprising at least one computer processor:
receiving account information associated with a customer interfacing with at least one processor, wherein the customer is a cardmember of a financial services institution;
determining, by the at least one processor, one or more accounts associated with the customer, based on the account information;
determining, by the at least one processor, one or more reward programs associated with the one or more accounts;
determining, by the at least one processor, a transaction history associated with the one or more accounts;
determining, by the at least one processor, whether the customer is eligible for one or more other reward offers, based on the transaction history;
communicating, by the at least one processor, the one or more other reward offers to the customer upon determining the customer is eligible for the one or more other reward offers;
determining, by the at least one processor, whether the customer is a member of a population specified by the one or more other reward offers;
enrolling, by the at least one processor, the customer in one or more other reward programs corresponding to the one or more other reward offers upon determining the customer to be a member of the population, wherein the one or more other reward programs are different from the one or more reward programs already associated with the customer;
switching from the one or more reward programs to the one or more other reward programs upon receiving a customer request;
in real time, converting rewards associated with the one or more reward programs to rewards associated with the one or more other reward program upon the user requesting to switch to the one or more other reward programs; and
transferring reward offers associated with the one or more reward programs to the one or more other reward programs.

US Pat. No. 10,002,041

SYSTEM AND METHOD FOR MAINTAINING THE HEALTH OF A MACHINE

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for maintaining the operational health of at least one local machine in a computer network, the computer network connecting multiple local machines operated by users and at least one regional zone machine, said method comprising:storing instructions in a nontransitory electronic database;
implementing a computer processor for accessing the stored instructions in the database and executing the instructions to perform steps including:
utilizing the at least one regional zone machine for managing a plurality of plug-ins disposed on the local machines for resolving health risk related events;
identifying a plug-in for resolving a detected health risk event from the plurality of plug-ins for resolving health risk related events, the plug-in permitted for use on the at least one local machine, said plug-in being a purpose-specific plug-in associated with the detected health-risk event, and said plug-in having one or more trigger specifications to allow deployment of said plug-in on said local machine;
monitoring a health status of said local machine according to said one or more trigger specifications, said trigger specifications each having a pre-defined threshold value representative of optimal operation of said local machine;
identifying at least one current threshold value associated with operation of said local machine;
detecting said health-risk event upon determining said at least one current threshold value exceeds said pre-defined threshold value;
generating a notification associated with detection of said health-risk event for communication to a user of said local machine, the notification requesting user action;
determining a priority of said health-risk event;
monitoring a status of the user action to determine if the user action is incomplete; and
deploying said plug-in when the user action is incomplete in response to said detected health-risk event, said plug-in configured to automatically resolve said detected health-risk event on the local machine based on the priority of the health-risk event.

US Pat. No. 9,953,326

ALERT OPTIMIZATION SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. An alert system for providing alerts to at least one customer at an optimal time in response to an alert event, the alert system comprising:a customer database stored in a memory, the customer database storing data including stored activity data and alert preference data of the at least one customer, and indicator data from at least one third-party source;
a transaction input engine, the transaction input engine receiving activity data of the at least one customer from a plurality of transaction channels for storage in the customer database as the stored activity data of the at least one customer; the plurality of transaction channels supporting a plurality of different transaction types;
an alert delivery engine using processor components to execute processing instructions stored in the memory, the executing causes the processor components to perform at least the following operations,
determining an alert type based at least on at least a portion of the stored activity data of the at least one customer, the alert preference data of the at least one customer, and the indicator data from at least one third party source;
determining priority of an alert based at least on a portion of the stored activity data of the at least one customer;
determining the optimal time for the alert system to transmit the alert based on at least status data, the alert preference data of the at least one customer, the alert type, the priority of the alert, and a portion of the stored activity data of the at least one customer, including stored activity data of at least one prior transaction, to provide the alert to the at least one customer;
generating the alert; and
causing the alert system to output the alert at the optimal time;
wherein the status data includes at least data describing a status of the alert system or a status of at least one communication channel.

US Pat. No. 9,819,796

SYSTEM AND METHOD FOR IMPLEMENTING SMS TEXTING AS A CUSTOMER SERVICE CHANNEL

JPMorgan Chase Bank, N.A....

1. A method for providing a customer service channel responsive to text messages forwarded from a mobile device to a dedicated
customer service landline, the method comprising:
maintaining a registration of a handler system with a text hub, wherein the text hub intercepts text messages forwarded through
a mobile carrier to the dedicated customer service landline;

receiving at the registered handler system a text message directed to the dedicated landline;
processing the text message through a social media computing platform communicatively connected with the registered handler
system, the processing including,

receiving the text message at the social media computing platform,
using a subject inference component to determine a subject of the text message,
determining a risk level associated with a service requested by the text message;
providing authentication through the text channel when the risk level is below a pre-selected threshold;
calling a routing engine for forwarding the text message to a customer service platform based on the subject of the text message,
receiving a response to the text message formulated at the customer service platform at the social media computing platform,
and

transmitting the response from the social media platform in the form of a text message to the text hub for delivery by the
mobile carrier to the mobile device.

US Pat. No. 9,886,707

SYSTEM AND METHOD FOR BUILDING DYNAMIC HIERARCHY FOR PRODUCTS

JPMORGAN CHASE BANK, N.A....

1. A system for dynamically building a product hierarchy, the system comprising:
an electronic input configured to receive product data for a plurality of products where each product has an associated unique
addressing scheme, the unique addressing scheme comprising a location identifier, a parent identifier, an object identifier
and a position identifier for each product, wherein the position identifier represents each product's position within the
product hierarchy, the position identifier further comprises a left categorical hierarchy position, a right categorical hierarchy
position and a node depth;

a server comprising a programmed computer processor configured to dynamically build a product hierarchy based on the addressing
scheme for each product and the programmed computer processor is further configured to automatically generate a unique SKU
number for each product based the addressing scheme; and

a user interface, coupled to the server, configured to generate and graphically display the system hierarchy.

US Pat. No. 9,832,159

SYSTEM AND METHOD FOR A SKILL EXCHANGE PLATFORM USING SOCIAL COMPUTING

JPMorgan Chase Bank, N.A....

1. A computer implemented method, comprising
receiving, electronically, a submission comprising a request for assistance with a task, the request comprising task information
for the task and a request response policy from a requester, the task information comprising an identification of the task
and a required skill set for the task, the request response policy identifying a criteria for selecting a response from a
responder that is independent of the task information and that is based on a manner in which the response is received;

routing, by a computer processor, the submission to a plurality of potential responders through an electronic stream based
on the task information;

receiving, electronically, a response from a plurality of the plurality of potential responders, each response accepting the
submission; and

automatically selecting, by the computer processor, one of the responses for the submission based solely on the request response
policy;

wherein the manner in which the response is received is based on one or more of the following: a number of points earned by
the responder in previous request completion, and a number of points bid by the responder in the response.

US Pat. No. 9,819,655

METHOD AND SYSTEM FOR SENSITIVE DATA ABSTRACTION

JPMORGAN CHASE BANK, N.A....

1. An automated computer implemented system for transmitting sensitive data in a contact center environment, wherein the system
comprising:
a transient datastore containing data, for each customer, defining a customer's profile including historical interactions
with a host entity and account information, the customer profile containing sensitive and non-sensitive data;

a computer processor, coupled to the computer store and programmed to:
receive from a remote customer, an electronic request to interact with for an agent during a current contact;
generate, using a computer processor, an electronic transient key associated with a subset of data for the remote customer;
transmit, using a computer processor, the electronic transient key and non-sensitive data to the agent in the contact center
environment;

receive a request comprising the electronic transient key and a requester identifier from a requesting component of the system,
identify a corresponding subset of data responsive to the electronic transient key and the requester identifier;
determine whether the corresponding subset of data comprises sensitive data;
transmit the corresponding subset of data to the requesting component; and
automatically remove the electronic transient key from the transient datastore.

US Pat. No. 9,779,403

MOBILE FRAUD PREVENTION SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A fraud prevention system for prevention 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 comprising:
a computer memory including at least one database storing,
a user-created profile; and
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; and

at least one computer processor programmed for,
processing user input of a user-defined signature gesture for authentication of the user and storing the signature gesture
in the computer memory, wherein a security level for an account-related event is assigned to the user-defined signature gesture;

determining whether authentication is required for a user action, wherein tagging of a purchase into one of the user-defined
categories does not require authentication;

detecting occurrence of the account-related event;
accessing the system settings and user settings in the computer memory to determine if a fraud prevention action is required
in response to the detected account-related event;

activating for the user, a fraud prevention user interface indicating the assigned security level for the account-related
event when fraud prevention action is required; and

receiving user instructions through the fraud prevention interface and processing the user instructions,wherein the at least one computer processor is further programmed to authenticate a system user attempting to perform the
detected account-related event, wherein the authentication includes detecting the signature gesture corresponding to the assigned
security level, and verifying the signature gesture, and wherein the at least one computer processor is further programmed
to generate an enriched alert upon detection of specific account-related events, the enriched alert allowing the user to view
additional details in real time.

US Pat. No. 9,773,247

ADAPTIVE AND CUSTOMIZABLE ACCOUNT INTERFACE SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer-implemented account interface system operated in cooperation with a financial institution on behalf of multiple
account holders, the account interface system including an account interface system website accessed on a user device, and
further comprising:
at least one computer memory storing instructions;
a behavioral monitoring and analysis system for monitoring account holder spending behaviors based on monitoring data received
from at least a financial institution system and a merchant system, and analyzing the spending behaviors, the behavioral monitoring
and analysis system further being operable to analyze account holder actions during each session on a default user interface
to the account interface system website, the behavioral monitoring and analysis system being further operable to create an
account holder action data file therefrom, wherein the account holder action data file is stored in a first database; and

a processor coupled to the at least one computer memory, the processor configured to execute the stored instructions, wherein
the stored instructions comprise instructions to implement the following:

account holder customization tools presented to the account holders through the default user interface on the user device,
the account holder customization tools allowing account holders to continuously modify financial data representations on a
user interface display of account related parameters by inputting parameters into a computing system, wherein the modified
account related parameters are stored in a second database;

an experience customization engine for (1) revising the user interface display of account related parameters, the experience
customization engine being operable to receive, over a network, the account holder action data file as well as the modified
account related parameters in order to formulate a customized user interface comprising a customized user interface display
of related account parameters, and (2) assembling a rewards wish list which allows account holders to prioritize rewards and
for displaying progress towards the prioritized rewards, wherein each prioritized reward is automatically secured once the
account holder has earned the reward; and

user interface presentation components for presenting the account holders with both the customized user interface display
and the account holder customization tools for allowing the account holders to further modify the presented user interface
display.

US Pat. No. 9,648,166

SYSTEM AND METHOD FOR MANAGING CUSTOMER COMMUNICATIONS OVER COMMUNICATION CHANNELS

JPMorgan Chase Bank, N.A....

1. A method for managing customer communications over a plurality of communication channels comprising:
at least one of a plurality of computer processors determining a communication channel out of a plurality of available communication
channels for contacting a customer;

at least one of the plurality of computer processors determining contact information for the customer to be used with the
determined communication channel;

presenting the contact information to an agent;
receiving, at an electronic device, authorization to initiate contact with the customer using the contact information; and
at least one of a plurality of computer processors automatically initiating contact with the customer using the communication
channel.

US Pat. No. 10,122,852

SYSTEMS AND METHODS FOR AN INTEGRATED INTERACTIVE RESPONSE SYSTEM AND MOBILE DEVICE

JPMorgan Chase Bank, N.A....

1. A method for using an interactive response system with a plurality of devices, comprising:an interactive response system receiving a communication request from a first electronic device;
the interactive response system establishing an interactive menu session with the first electronic device over a first communication channel;
the interactive response system receiving over the first communication channel from the first electronic device a request for the interactive response system to communicate with an interactive menu application on a second electronic device;
the interactive response system communicating a current level of the interactive menu tree to the interactive menu application on the second electronic device over a second communication channel;
the interactive response system receiving a selection from the interactive menu application from the second electronic device; and
the interactive response system providing a synchronization signal to the second electronic device to synchronize the interactive menu application with the current level of the interactive menu tree;
wherein the second electronic device downloads the interactive menu application from a network location.

US Pat. No. 10,049,376

SYSTEM AND METHOD FOR PAYMENT WITH REWARDS CURRENCY AT THE POINT OF SALE

JPMorgan Chase Bank, N.A....

1. A computer-implemented method comprising:tracking, by a computer application executed on a mobile electronic device, location information associated with the mobile electronic device of an account holder;
in response to tracking the location information, identifying, by the computer application executed by the mobile electronic device, one or more nearby merchants at which the account holder can make a payment using the mobile electronic device using a rewards currency associated with an account of the account holder;
displaying, by the computer application executed by the mobile electronic device, the one or more nearby merchants;
receiving, by the computer application executed by the mobile electronic device, an authentication of the account holder prior to initiating a transaction;
displaying, by the computer application executed by the mobile electronic device, an available rewards currency amount that can be applied to a purchase on the mobile electronic device;
receiving, by the computer application executed by the mobile electronic device, a total purchase amount for a purchase at a merchant;
receiving, by the computer application executed by the mobile electronic device, a selected rewards currency amount that the account holder elects to apply to the purchase;
receiving, by the computer application executed by the mobile electronic device, a confirmation from the account holder to use the account of the account holder to pay for a difference between the total purchase amount and the selected rewards currency amount when the total purchase amount is greater than the selected rewards currency amount;
requesting, by the computer application, an electronic payment signal for the merchant for the selected rewards currency amount from a payment server;
receiving, by the computer application executed by the mobile electronic device, the electronic payment signal from the payment server;
generating, by the computer application executed by the mobile electronic device, a digital tender comprising at least one of a bar code, a quick response (QR) code, an NFC signal or a Bluetooth signal in response to the receipt of the electronic payment signal; and
transmitting, by the computer application executed by the mobile electronic device, the digital tender to the merchant's point of sale device.

US Pat. No. 9,898,515

DATA EXTRACTION AND TRANSFORMATION METHOD AND SYSTEM

JPMorgan Chase Bank, N.A....

1. A computer-implemented method comprising:
receiving, by a processing device, a plurality of raw transaction records from a plurality of data sources;
identifying transaction pairs from the raw transaction records, transaction pairs including multiple transactions relating
to a common transaction between a transaction source and a transaction destination, at least some transaction pairs including
a source transaction, an intermediate transaction, and a destination transaction;

generating a plurality of transaction pair records from the identified transaction pairs, wherein each transaction pair record
comprises a plurality of related raw transaction records; identifying one or more selected fields corresponding to one or
more selected data categories from each of the plurality of transaction pair records, wherein the one or more selected fields
comprise raw information;

wherein the format of the one or more selected fields varies among the transaction pair records such that selected fields
are identified based on the use of at least one field identification technique that applies transaction record rules to determine
selected fields in at least some transaction pair records;

wherein the one or more selected fields includes at least an entity field;
determining pair match scores corresponding to a plurality of candidate entity names using a similarity measure;
identifying a set of top candidate entity names having similar pair match scores;
performing list matching on the set of top candidate entity names using an adjusted similarity measure to identify a top match;
establishing the top match as the resolved entity information;
resolving the raw information in the one or more identified selected fields to generate resolved information corresponding
to the one or more data categories; and

aggregating the resolved information for storing in a data store.

US Pat. No. 9,868,054

DYNAMIC GAME DEPLOYMENT

JPMorgan Chase Bank, N.A....

1. A method for dynamic game deployment allowing an organization to deploy games across multiple users, the method comprising:
providing multiple games including at least a first game and a second game from a gamification engine of a game server over
a network to a first user operating a user device, the first game including an interactive challenge encouraging the first
user to achieve at least one objective and the second game including another interactive challenge encouraging the first user
to achieve a second objective;

receiving one or more first interactions from the first user with respect to the first game and one or more second interactions
from the first user with respect to the second game, the one or more first and second interactions occurring through manipulation
of a selectable control provided on a user interface, wherein manipulation of the selectable control relays the one or more
first and second interactions to the game server over the network;

analyzing, using the processing device, the first interactions and the second interactions to identify one or more tendencies
associated with the first user;

identifying one or more services of interest to the first user based on the identified tendencies;
processing, with a processing device, the one or more first interactions and the one or more second interactions to compute
a value associated with a defined achievement related to the one or more services, the computed value representing an expected
value to the organization of the first user accepting the one or more services;

generating, based on the value computed as a result of the one or more first and second interactions, a first prompt, the
first prompt comprising a notification of a first reward resulting from the first or second interactions and offering the
one or more services, the first prompt including a link allowing the first user to navigate over the network to a page including
details regarding the first reward and the one or more services; and

providing the first prompt within the first game or the second game over the network to the first user.

US Pat. No. 9,734,484

SYSTEM AND METHOD FOR IMPLEMENTING A CONSOLIDATED APPLICATION PROCESS

JPMorgan Chase Bank, N.A....

1. A computer-implemented system dynamically creating a network based application form and receiving an application including
multiple products or services offered by a single entity, the system including:
a memory storing instructions;
a host server having at least one computer processor accessing the memory and executing the stored instructions, thereby performing
steps including;

receiving a request from a customer computing system applying for at least two of a plurality of products or services offered
by the entity, wherein the request is in the form of parameters received within a universal resource locator, the request
received over a network at the host server, wherein specific categories of information are required to be submitted to apply
for each one of the plurality of products or services available through the entity;

dynamically assembling, using a dynamic application module, in response to the request, an application page and displaying
the application page over the network, the assembly including:

determining the categories of information required to apply for the plurality of products, wherein determining the categories
of information includes identifying categories of generic information common to all products and identifying remaining categories
of specific information required to apply for the requested products;

locating a file corresponding to each category of information identified from a plurality of files;
combining the located files, using the dynamic application module, thereby creating the application page in response to the
request, such that fields for each located file are included in the application page only once, thus avoiding duplicative
requests for information to the customer;

determining, using the dynamic application module, whether the customer is logged in to a session manager, accessing stored
data regarding the customer from an e-profile database when the customer is logged in and inserting the stored data, thereby
completing fields of the application page displayed over the network; and

receiving information over the network at the host server from the customer computing system corresponding to each uncompleted
field contained in the application page.

US Pat. No. 9,760,785

SYSTEMS AND METHODS FOR HIGH FIDELITY MULTI-MODAL OUT-OF-BAND BIOMETRIC AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A method for multi-mode authentication of a user to a second electronic device using a first electronic device comprising:
a computer application executed by a first electronic device that is associated with a user receiving a machine-readable code
captured by a first input device on the first electronic device, wherein the machine-readable code is presented by a second
electronic device and comprises an electronic device identifier for the second electronic device;

the computer application receiving a first biometric from a second input device on the first electronic device;
the computer application receiving a second biometric from a third input device on the first electronic device; and
the computer application repeating the receipt of at least one of the first biometric and the second biometric, in response
to the first biometric and the second biometric not being received within a predetermined time period;

the computer application communicating the electronic device identifier, the first biometric and the second biometric to a
server independent of the second electronic device for authentication;

wherein the server authenticates the user based on the association of the first electronic device with the user, the first
biometric, and the second biometric, and communicates the authentication to the second electronic device associated with the
electronic device identifier; and

wherein the second electronic device grants access to the user in response to the authentication.

US Pat. No. 9,710,832

SYSTEM AND METHOD FOR CARD-FUNDED BILL PAYMENT CONCIERGE SERVICE

JPMorgan Chase Bank, N.A....

1. A method for facilitating a card account-based bill payment service for a customer of a biller, comprising:
receiving a request from the customer to initiate the card account-based bill payment service;
at least one of a plurality of computer processors collecting customer information, the customer information including at
least customer account information with the biller and card account information;

at least one of the plurality of computer processors encrypting and storing the customer information in a first computer database;
at least one of the plurality of computer processors providing the customer information to the biller over a communications
network, comprising:

at least one of the plurality of computer processors retrieving, from a second computer database, an identification of information
required by the biller to initiate the card-based bill payment service; and

at least one of the plurality of computer processors electronically formatting the customer account information with the biller
and card account information for the biller according to the retrieved identification information;

at least one of a plurality of-computer processors monitoring incoming transactions involving the customer's card account
for a current card account charge from the biller;

at least one of the plurality of computer processors retrieving, from the customer's card account, a current card account
charge amount from the biller;

at least one of the plurality of computer processors retrieving, from a third computer database, at least one previous card
account charge amount from the biller;

at least one of the plurality of computer processors determining an expected range for the current card account charge based
on the at least one previous card account charge amount from the biller;

at least one of the plurality of computer processors determining if the current card account charge amount is outside of the
expected range for the current card account charge; and

at least one of the plurality of computer processors notifying the customer if the current card account charge amount is outside
of the expected range for the current card account charge.

US Pat. No. 9,641,399

APPLICATION AND INFRASTRUCTURE PERFORMANCE ANALYSIS AND FORECASTING SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer implemented application and infrastructure performance analysis and forecasting system, including at least a
computer processor and a memory, the system improving performance of at least one application and infrastructure and reducing
complexity of analyzing the performance of the application and infrastructure, the system comprising:
a web dashboard for receiving infrastructure input from a user regarding application and infrastructure configuration and
at least one performance objective using a user interface at a display device;

a modeling engine for determining using the computer processor operatively connected with the web dashboard over a network,
at least one application and infrastructure performance model based on the infrastructure input received from the user, wherein
the at least one application and infrastructure performance model is a user response time model;

a model input user interface at the display device for receiving model specific input from the user for the at least one application
and infrastructure performance model;

a model computation engine for computing using the computer processor operatively connected with the model input user interface
over a network, at least one output of the at least one application and infrastructure performance model based on the model
specific input from the user;

and a web dashboard for displaying the at least one output of the at least one application and infrastructure performance
model using a user interface at the display device.

US Pat. No. 9,632,886

SYSTEMS AND METHODS FOR IMPLEMENTING AN AUTOMATED PARALLEL DEPLOYMENT SOLUTION

JPMorgan Chase Bank, N.A....

1. A system for implementing an automated parallel deployment solution, the system comprising:
a modeling module for:
modeling a parallel system solution generated in response to a system request;
creating a record of the parallel system solution;
a production module for:
modeling a production system solution generated in response to the system request;
creating a record of the production system solution;
a processor for comparing the record of the parallel system solution and the record of the production system solution, and
for further applying a series of interval-based transaction tolerances on the comparison, wherein the compared transaction
results are tested to ensure that no aberrant results were caused by the modeled parallel system solution;

a solution module for finalizing a functional solution; and
a promotion module for promoting the functional solution to a production system.

US Pat. No. 9,628,488

METHOD AND SYSTEM FOR SENSITIVE DATA ABSTRACTION

JPMORGAN CHASE BANK, N.A....

1. An automated computer implemented system for transmitting sensitive data in a contact center environment, wherein the system
comprising:
a transient datastore containing data, for each customer, defining a customer's profile including historical interactions
with a host entity and account information, the customer profile containing sensitive and non-sensitive data;

a computer processor, coupled to the computer store and programmed to:
receive, via an electronic input, a contact from a remote customer via an electronic communication channel;
automatically capture current interaction data during a current contact between the remote customer and an automated interactive
entity;

receive, from the remote customer, an electronic request to interact with a live agent during the current contact;
responsive to the current contact, generate, using a computer processor, an electronic transient key associated with a subset
of data for the remote customer based on the current interaction data and a customer identity;

transmit, using a computer processor, the electronic transient key and non-sensitive data to the live agent in the contact
center environment;

receive a request, the electronic transient key and a requester identifier from a requesting component of the system,
identify a corresponding subset of data responsive to the electronic transient key and the requester identifier;
determine an appropriate security feature for the corresponding subset of data;
transmit only the corresponding subset of data with the appropriate security feature to the requesting component; and
automatically remove the electronic transient key from the transient datastore after a predetermined event.

US Pat. No. 9,936,074

SYSTEM AND METHOD FOR UTILIZING SMS FUNCTIONALITY TO SCHEDULE FOLLOW-UP

JPMorgan Chase Bank, N.A....

1. A method for scheduling follow-up communications responsive to text messages forwarded from a mobile device to a dedicated landline, the method comprising:maintaining a handler system associated with a text hub, wherein the text hub intercepts text messages forwarded through a mobile carrier to multiple dedicated landlines, the handler system associated with the multiple dedicated landlines;
receiving from the text hub at a message router of the handler system, a text message directed to one of the dedicated landlines;
identifying the destination landline using the message router of the handler system;
routing the text message using the message router of the handler system to one of multiple processing platforms of the handler system, the processing platform selected based on the identified destination landline, the multiple processing platforms including a call center server system; and
processing the text message at the call center server system utilizing a text processor, the text processor performing steps including;
identifying a text sender;
scheduling a follow-up communication at a follow-up time; and
queuing the text message and scheduled follow-up in a queue to ensure that the scheduled follow-up is conducted at the scheduled follow-up time.

US Pat. No. 9,906,413

SYSTEM AND METHOD FOR IMPLEMENTING A DYNAMIC HIERARCHY FOR DEVICES

JPMORGAN CHASE BANK, N.A....

1. A system for dynamically building system hierarchies, the system comprising:
an electronic input configured to receive monitoring data from a plurality of devices associated with an entity, wherein the
monitoring data for each device of the plurality of devices comprises a unique addressing scheme, the unique addressing scheme
comprising a location identifier, a relationship identifier and an object identifier for each device, the relationship identifier
identifies a related object and comprises one of: a child object identifier, a peer object identifier and a parent object
identifier;

a server comprising a programmed computer processor configured to dynamically build a system hierarchy based on the addressing
scheme for each device responsive to the monitoring data and a calculated data determined for each device and the programmed
computer processor is further configured to automatically revise the system hierarchy in response to real-time change data,
wherein the monitoring data comprises measurements from each device and the calculated data represents aggregated downstream
and upstream activity; and

a user interface, coupled to the server, configured to generate and graphically display the system hierarchy.

US Pat. No. 9,898,720

CREDIT INSTRUMENT AND SYSTEM PROVIDING MULTIPLE SERVICES INCLUDING ACCESS TO CREDIT SERVICES AND ACCESS TO A SERVICE PROVIDER CLUB

JPMorgan Chase Bank, N.A....

1. A multiple service card associated with a service partner system and a holder, the card comprising:
a datum identifying the multiple service card;
club information providing a cardholder access to multiple clubs associated with a service partner allowing the cardholder
to physically enter an establishment of the multiple clubs associated with the service partner system upon reading of the
club information stored on the multiple service card;

wherein the multiple service card is issued by the service partner system by performing at least the following:
receiving, at the service partner system via a communication network, application data for the multiple service card, said
application data comprising:

credit card application data, and
service partner data related at least in part to membership in a service partner club;
analyzing, using a computer processor at the service partner system, the application data to evaluate if the cardholder should
be granted membership into the service partner club,

processing the application data to evaluate creditworthiness of the cardholder;
generating a decision using the computer processor at the service partner system, indicating that the cardholder is approved
to receive the multiple service card;

updating one or more databases with a portion of the application data of the cardholder based on the decision, the one or
more databases storing the application data and the service partner data; and

providing the multiple service card;
wherein, auto-charge data associated with an account of the cardholder, when processed, allows an auto-charge request to be
automatically authorized and allows subsequent auto-charges to be processed automatically by processing the auto-charge data
at the service partner system.

US Pat. No. 9,898,781

SYSTEM AND METHOD FOR ISSUING, CIRCULATING AND TRADING FINANCIAL INSTRUMENTS WITH SMART FEATURES

JPMorgan Chase Bank, N.A....

1. A system for transferring a virtual financial instrument over a peer-to-peer communication network, the system comprising:
a first digital wallet, comprising a computer processor, a wireless communication interface, and a non-transitory computer
readable medium storing a program for storing first digital wallet cryptographic keys and an origination address, and transferring,
using the wireless communication interface, said virtual financial instrument using the peer-to-peer communication network,
wherein the digital wallet includes:

a wallet identifier including at least two portions, a first portion being static and a second portion being dynamic that
dynamically updates based at least on a financial parameter or transferability of financial instruments associated with the
first digital wallet, and

at least one programmable financial criterion for transferring the virtual financial instrument,
wherein at least a portion of the wallet identifier is broadcasted as an offer signal for said financial instrument using
the peer-to-peer communication network; and

a second digital wallet, comprising a computer processor, a wireless communication interface, and a non-transitory computer
readable medium storing a program for storing second digital wallet cryptographic keys and a receiving address, and receiving,
using the wireless communication interface, said virtual financial instrument using the peer-to-peer communication network;

wherein the second digital wallet, in response to receiving the offer signal broadcasted from the first digital wallet, generating
an acceptance communication to transmit to the first digital wallet;

wherein in response to receiving the acceptance communication from said second digital wallet over the peer-to-peer communication
network, said first digital wallet automatically transfers said financial instrument to said second digital wallet using the
peer-to-peer communication network via the wireless communication interfaces of the first digital wallet and the second digital
wallet, said first digital wallet executes instructions that perform at least the following:

receive said receiving address;
determine whether to transfer the virtual financial instrument from the first wallet to the second digital wallet using the
wireless communication interfaces of the first and second digital wallet based at least on the wallet identifier and the at
least one programmable financial criterion;

complete the transfer of said virtual financial instrument from said first digital wallet to said second digital wallet based
on said determination;

create a record of the transfer of said financial instrument from said origination address to said receiving address;
communicate said record to a remote entity over said peer-to-peer communications network; and
update the second portion of the wallet identifier in response to the completion of the transfer of the virtual financial
instrument.

US Pat. No. 9,898,553

CAPTURING RUN-TIME METADATA

JPMorgan Chase Bank, N.A....

1. A system, comprising:
a processor operable to:
capture, during the run-time of a first event, first run-time metadata associated with the first event, the first run-time
metadata comprising a data lineage and a data provenance, wherein:

the data lineage identifies input data existing before the first event and resulting data of the first event; and
the data provenance identifies an agent executing the first event;
generate a property graph comprising a plurality of nodes, wherein the plurality of nodes comprises:
a first node comprising an identification of the input data existing before the first event;
a second node comprising an identification of the agent executing the first event, wherein the second node is coupled to the
first node; and

a third node comprising an identification of the resulting data of the first event, wherein the third node is coupled to the
second node;

capture, during the run-time of a second event, a second run-time metadata associated with a second event, the second run-time
metadata comprising:

a second data lineage indicating input data for the second event that is equivalent to the resulting data of the first event;
and

a second data provenance identifying a second agent executing the second event; and
modify the property graph to further comprise a fourth node comprising an identification of the second agent executing the
second event, wherein the fourth node is coupled to the third node.

US Pat. No. 9,882,973

BREADTH-FIRST RESOURCE ALLOCATION SYSTEM AND METHODS

JPMORGAN CHASE BANK, N.A....

1. A computer-implemented method that manages allocation of computer resources, the method comprising:
storing in at least one non-transitory computer memory, data and instructions pertaining to computer resources in a computer
network;

accessing the at least one computer memory by a computer processor to execute instructions stored at said non-transitory computer
memory, and to perform steps including:

receiving a request from an application to allocate CPU slots, said request associated with multiple instances of the application;
identifying one or more parameters of the application, wherein the one or more parameters are used in sorting the servers
and wherein a parameter defines a minimum number of servers the application runs on, the minimum number of servers being at
least two;

assigning an identifier to the request, wherein all requests associated with the application receive the same identifier;
identifying a resource group comprising at least two servers having idle CPU slots;
evenly scheduling distribution of the instances of the application on the at least two servers in the resource group; and
releasing the CPU slots in accordance with the evenly scheduled distribution.

US Pat. No. 9,760,863

METHOD AND SYSTEM FOR DISTRIBUTING AND TRACKING INFORMATION

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for distributing information from an information distributor by providing an electronic notification
component and a payload component, the method comprising:
storing in at least one non-transitory computer memory, data and instructions pertaining to at least one information recipient,
at least one entitlement rule associated with the at least one information recipient, and tracer disposition rules defining
acceptable tracer disposition;

accessing the at least one non-transitory computer memory by a computer processor to execute the instructions stored at the
non-transitory computer memory, and to perform steps including:

composing an electronic notification instrument using the electronic notification component and the payload component, the
payload component including a selectable link providing access to information, wherein the information is selected based on
the at least one entitlement rule associated with the at least one information recipient;

encrypting the payload component based on the information recipient;
appending an object including computer code to the electronic notification component, the object functioning as a tracer to
the electronic notification component, the tracer enabling identification of a disposition of the electronic notification
instrument when the electronic notification component is accessed, wherein the disposition comprises an identification of
a network of the information recipient computer;

pre-setting a policy for an acceptable disposition of the tracer;
pushing the electronic notification instrument to the at least one information recipient;
posting the electronic notification instrument on an information client intranet, thereby allowing the at least one information
recipient to pull content;

determining a disposition of the tracer based on a report from the tracer, the disposition including an identified network;
determining whether the information recipient is an authorized information recipient by determining if the disposition is
an acceptable disposition based on the identified network and the pre-set policy;

allowing a pull from the information distributor through the electronic notification instrument such that the payload component
including the selectable link is activated when the at least one information recipient is authorized, the at least one authorized
information recipient determined by the tracer disposition rules; and

causing destruction of the notification instrument when the disposition is unacceptable.

US Pat. No. 9,652,772

SYSTEMS AND METHODS FOR FRAUD DETECTION

JPMorgan Chase Bank, N.A....

1. A system for identifying fraud in an automated teller machine (ATM) transaction, the system tangibly embodied in the form
of a computer processer, the system comprising:
a plurality of ATMs in a network;
a profile database that contains both:
card profiles in a card profile database; and
ATM profiles in an ATM profile database; and
a filter processing portion, constituted by a non-transitory computer readable medium of the computer processor, that receives
electronically and over the network input transaction data generated from a requested ATM transaction by a customer conducted
at one of the plurality of ATMs, the filter processing portion including a plurality of filters that filter high risk transactions
based on the input transaction data so as to identify that the transaction by the customer is a high risk transaction, and

the filter processing portion outputting card related data and ATM related data to the profile database and to a scoring engine,
wherein the (a) card related data comprises at least ATM transactions for a particular card associated with the customer,
and (b) the ATM related data comprises at least ATM transactions for the ATM, which includes data from a plurality of users
of the ATM; and

a scoring engine, constituted by a non-transitory computer readable medium of the computer processor, assessing risk of the
transaction based on (1) attributes of the transaction, (2) data in at least one card profile, and (3) data in at least one
ATM profile for the ATM, and

wherein such assessing risk by the scoring engine is further represented by a fraud score generated by the scoring engine
utilizing both the card related data and the ATM related data, such ATM related data including data from a plurality of users
of the ATM; and

an authorization processing portion, constituted by a non-transitory computer readable medium of the computer processor, that
determines whether the requested transaction should be approved or declined, the authorization processing portion receiving
as input the fraud score from the scoring engine, the authorization processing portion using the fraud score, in conjunction
with the transaction data generated from the requested ATM transaction, in its determination of whether the requested transaction
should be approved or declined, and controls the ATM to authorize or refuse the requested transaction by outputting the authorization
determination to the ATM electronically and over the network.

US Pat. No. 9,646,301

SYSTEM AND METHOD FOR SECURE CARD WITH ON-BOARD VERIFICATION

JPMorgan Chase Bank, N.A....

1. A transaction device, comprising:
a substrate having substantially the same height, width, and thickness of a credit card, comprising:
a display that has substantially the same height and width as the substrate;
a memory storing first transaction card data and second transaction card data, the first transaction card data comprising
first transaction card image data for a first transaction card and the second transaction card data comprising second transaction
card image data for a second transaction card, wherein the first transaction card is associated with a first user and the
second transaction card is associated with a second user;

a sensor for identifying and authenticating a user; and
a controller comprising at least one computer processor that controls the display;
wherein the controller automatically selects the first transaction card when the first user is identified, and the second
transaction card when the second user is identified, and the controller causes the display to render the selected transaction
card image data.

US Pat. No. 9,667,790

METHOD AND SYSTEM FOR CONVEYING CONTEXT DATA IN A MULTI-CHANNEL AND OMNI-CHANNEL ENVIRONMENT

JPMORGAN CHASE BANK, N.A....

1. An automated computer implemented system for transmitting context data during an automated customer interaction in a multi-channel
environment, wherein the system comprising:
a computer store containing data, for each customer, defining a customer's historical interactions with an entity and account
information,

a computer processor, coupled to the computer store and programmed to:
receive, via an electronic input, a contact from a customer via an electronic communication channel;
automatically capture current interaction data between the customer and an automated interactive entity;
receive an electronic request for a live agent from the customer;
retrieve, from the computer store, historical interaction data from a prior customer contact and account information;
execute real-time analytics to identify a customized marketing opportunity;
generate context description that comprises information from the current interaction data, historical interaction data, real-time
analytics and account information;

embed the context description into a signal as a header; and
transmit, using a computer processor, the signal with the context description to the live agent.

US Pat. No. 9,619,410

SYSTEMS AND METHODS FOR PACKET SWITCHING

JPMorgan Chase Bank, N.A....

1. A system comprising:
a switching device including a first plurality of input/output (I/O) ports and a second plurality of I/O ports, wherein each
port of the first plurality of I/O ports is electrically coupled to a pluggable transceiver socket configured to receive a
cable connector; and

a processing device including a plurality of transceivers electrically coupled to the second plurality of I/O ports;
wherein the switching device is configured to receive, via a first I/O port of the first plurality of I/O ports, a first electric
signal encoding one or more incoming data packets;

wherein the switching device includes a control interface receiving programming logic incorporating a programmable port mapping
scheme instructing the switching device to output the first electric signal to a second I/O port of the first plurality of
I/O ports and to a third I/O port of the second plurality of I/O ports, in accordance with the programmable port mapping scheme;
and

wherein the processing device is configured to receive the first electric signal, and is programmed to output a second electric
signal encoding one or more modified data packets derived from the incoming data packets, the processing device implementing
a data compression algorithm to compress the incoming data packets and create the modified data packets, wherein the processing
device transmits the modified data packets back to the switching device through at least one of the plurality of transceivers.

US Pat. No. 10,007,520

SYSTEMS AND METHODS FOR USING ALTERNATE COMPUTER INSTRUCTION SETS

JPMorgan Chase Bank, N.A....

1. A method for program execution using an alternate instruction set, comprising:enabling a computer processor to use an alternate instruction set, wherein each instruction in the alternate instruction set maps to a standard instruction for the computer processor;
a first computer program in memory issuing a first instruction for execution by the computer processor;
the computer processor determining that the first instruction issued by the first computer program is in the alternate instruction set;
the computer processor translating the first instruction issued by the first computer program into the mapped standard instruction for the computer processor; and
the computer processor executing the mapped standard instruction.

US Pat. No. 9,874,367

HEATING, VENTILATION, AND AIR CONDITIONING MANAGEMENT SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A method for configuring a plurality of heating, ventilation, and air conditioning (HVAC) systems, the systems including
at least one control circuit, the method comprising:
receiving a first return air temperature signal at a control circuit from a first HVAC unit;
receiving a first supply air temperature signal at the control circuit from the first HVAC unit;
controlling fans and cooling valves of two or more HVAC units of the plurality of HVAC systems, based at least on the received
first return air temperature signal, and the first received supply air temperature signal.

US Pat. No. 9,836,797

ESTATE DISPOSITION MODELING

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for modeling an estate disposition using a customizable graphical visualization tool by executing,
using at least one computer processor, stored executable computer instructions, the executable computer instructions stored
in non-transitory memory, the method comprising:
providing a customizable graphical visualization tool for modeling an estate disposition;
receiving a plurality of estate disposition documents over a communication channel, the estate disposition documents including
estate disposition information in natural language form;

executing a natural language balance sheet analyzer code module to extract, from at least a portion of the estate disposition
documents, balance sheet inputs for a first individual, the balance sheet inputs including a first asset and first asset value
information;

executing a natural language conveyance analyzer code module to extract, from at least a portion of the estate disposition
documents, an indication of a first conveyance event;

executing a natural language estate disposition analyzer code module to selectively extract, from at least a portion of the
estate disposition documents, first estate document inputs for the first individual, the first estate document inputs including
a first conveyance instruction associating the first asset and a first beneficiary, the first conveyance instruction corresponding
to the first conveyance event;

generating, using the at least one computer processor and a selected first set of logic, a first customizable flowchart corresponding
to the first conveyance event, the first customizable flowchart visually representing the first conveyance instruction;

generating, using the at least one computer processor, a second customizable flowchart corresponding to an alternate conveyance
event customized based at least on one of a user input, a first estate document input, and a balance sheet input, the second
customizable flowchart visually representing the alternative conveyance instruction;

wherein the computer user interface is activated to display at least one of the first flowchart, the first liquidity analysis
report, second flowchart, and second liquidity analysis report.

US Pat. No. 9,769,029

APPLICATION AND INFRASTRUCTURE PERFORMANCE ANALYSIS AND FORECASTING SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer implemented application and infrastructure performance analysis and forecasting system, including at least a
computer processor and a memory, the system improving performance of at least one application and infrastructure and reducing
complexity of analyzing the performance of the application and infrastructure, the system comprising:
a web dashboard for receiving infrastructure input from a user regarding application and infrastructure configuration and
at least one performance objective using a user interface at a display device;

a modeling engine for determining using the computer processor operatively connected with the web dashboard over a network,
at least one application and infrastructure performance model based on the infrastructure input received from the user, wherein
the at least one application and infrastructure performance model is a user response time model;

a model input user interface at the display device for receiving model specific input from the user for the at least one application
and infrastructure performance model;

a model computation engine for computing using the computer processor operatively connected with the model input user interface
over a network, output of the at least one application and infrastructure performance model based on the model specific input
from the user and the at least one performance objective input by the user, wherein the output includes system parameters
for modification to achieve the at least one performance objective;

and a web dashboard for displaying the output of the at least one application and infrastructure performance model using a
user interface at the display device.

US Pat. No. 9,734,222

METHODS AND SYSTEMS FOR USING SCRIPT FILES TO OBTAIN, FORMAT AND TRANSPORT DATA

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for managing a plurality of data feeds to be loaded into a database using a processor comprising
the steps of:
obtaining a script using a server, the script for specifying a source including a name of a file to be extracted and a query
stored in a database server;

executing the query using a computerized commander module in said database server against the source containing the named
file to extract a result set;

transferring the result set from the server to the database server, wherein the result set is in a user readable format requiring
conversion;

consulting the script to determine a format for the data feed to be loaded into the database, the script comprising a series
of commands in a text file and setting forth each of the parameters needed by the database server to extract, format, and
deliver the result set as a file to be loaded into the database;

converting the result set using the computerized conversion module in accordance with the format to create the data feed;
and

transporting the data feed to be loaded into the database specified by the script.

US Pat. No. 9,760,702

SYSTEMS AND METHODS FOR DRIVER AUTHENTICATION THROUGH EMBEDDED SENSING

JPMorgan Chase Bank, N.A....

1. A system for driver authentication through embedded sensing comprising:
a vehicle comprising:
a plurality of sensors, a first sensor of the plurality of sensors sensing a physical characteristic of a vehicle occupant,
a second sensor of the plurality of sensors sensing a movement of the vehicle occupant within the vehicle, the movement associated
with the vehicle occupant's operation of the vehicle, and a third sensor that senses a different movement of the vehicle occupant
within the vehicle;

at least one computer processor executing a computer application, the computer application receiving and processing data from
the plurality of sensors and extracts at least one fused motor skill from movements sensed by the second sensor and the third
sensor; and

a vehicle communication interface that communicates the processed data;
a back-end server in communication with the vehicle communication interface that receives the processed data; and
a plurality of transaction locations in communication with the back-end server;
wherein at least one of the back-end server and one of the plurality of transaction locations authenticates the vehicle occupant
based on the processed data.

US Pat. No. 9,648,170

SYSTEM AND METHOD FOR PROVIDING CALL-BACK OPTIONS

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for efficiently allocating resources of a call center implementing a call routing system
by providing call-back options, the method comprising:
receiving an inbound communication from a caller at a web interface connected to a central server of the call routing system;
utilizing the central server to perform multiple operations related to the inbound communication, the central server performing
steps including;

collecting information about the caller from a database based on the call at the web interface;
making a routing decision based on the collected information from the database;
making a resource assessment based on the routing decision;
making a decision to provide at least call-back options for a caller to receive a call-back based on the resource assessment;
receiving a selection from the caller of at least one call-back option;
dynamically re-allocating resources in the call routing system based at least in part on the at least one call-back option;
and

directing an interactive voice response unit connected with the central server to call the caller based on the at least one
call-back option.

US Pat. No. 9,641,533

SYSTEM AND METHOD FOR TRUSTED PAIR SECURITY

JPMorgan Chase Bank, N.A....

1. A method for protecting a resource, the method comprising:
providing a receiver, the receiver comprising a computer processor, the receiver being communicatively coupled to a network
and having a plurality of receiver ports;

providing an initiator, the initiator comprising a computer processor, the initiator being communicatively coupled to the
receiver through at least two receiver ports;

sending, from the initiator to the receiver, a first authentication request on a first receiver port;
sending, from the receiver to the initiator, an identification of a second receiver port;
sending, from the initiator to the receiver, a second authentication request on the second receiver port;
mutually authenticating the initiator and the receiver via the second receiver port; and
establishing a streaming connection between the initiator and the receiver over the second receiver port.

US Pat. No. 10,152,556

SEMANTIC MODELING PLATFORM

JPMORGAN CHASE BANK, N.A....

13. A non-transitory machine readable medium having stored thereon instructions for updating an ontology in a database comprising executable code which when executed by one or more processors, causes the one or more processors to:scan one or more databases to determine when at least one of the one or more databases is ready to update;
receive an indication for updating at least one of the one or more databases to accommodate data, when the determination indicates that the at least one of the one or more databases is ready to update;
parse a first ontology associated with at least one table in the at least one of the one or more databases;
create a second ontology that describes the data to is accommodated;
map the parsed first ontology on to the created second ontology;
analyzing the mapping of the first ontology on to the created second ontology;
determine one or more differences between the first and the second ontologies based on the analyzing;
recommend one or more changes to the second ontology based on the determined one or more differences between the first and the second ontologies; and
update the created second ontology based on the recommended one or more changes to the second ontology.

US Pat. No. 10,148,726

INITIATING OPERATING SYSTEM COMMANDS BASED ON BROWSER COOKIES

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for executing an operating system (OS) level command to install a new software application or install an updated software application on a user device, the method comprising:executing a web application in a web browser on the user device;
generating a browser cookie comprising one or more instructions to invoke at least one OS-level command to install a new software application or install an updated software application on the user device, the browser cookie being generated by the web browser in response to executing the web application;
detecting the browser cookie using a processor of the user device;
storing the browser cookie on the user device;
analyzing the browser cookie with the processor of the user device to identify at least one of the one or more instructions;
validating the at least one of the one or more instructions by parsing the browser cookie to confirm that the one or more instructions conform to a proprietary syntax;
executing the identified at least one of the one or more instructions using the processor of the user device to invoke the at least one OS-level command based on the one or more instructions from the browser cookie to install the new software application or install the updated software application on the user device; and
modifying the browser cookie stored on the user device using the processor of the user device based on an execution of the at least one of the one or more instructions of the browser cookie in order to store status information regarding the attempt to install the new software application or install the updated software application.

US Pat. No. 10,063,704

SYSTEM AND METHOD FOR PROVIDING CALL-BACK OPTIONS

JPMORGAN CHASE BANK, N.A....

1. A computer-implemented method for efficiently allocating resources of a call center implementing a call routing system by providing call-back options, the method comprising:maintaining a call-back system operatively connected with the call routing system, wherein the call routing system maintains a call queue and a central server monitoring the call queue;
automatically routing calls from the call routing system to the call-back system when the call queue reaches a predetermined length;
receiving data including caller contact data and additional information, the additional information comprising a preferred call-back time, from the call routing system through an input/output interface of the call-back system;
evaluating the received data at a control module and providing instructions to a voice response unit to provide a caller with call-back options;
receiving selected call-back options and processing the received call back options at the control module to prioritize and schedule call-backs;
instructing the voice response unit from the control module to initiate a scheduled call back; and
coordinating with the call routing system ensure that the call-back is routed to the proper target.

US Pat. No. 10,049,402

ATM PRIVACY SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A system for offering privacy to a user of an automated teller machine operated by a financial institution, the system comprising:a first computer memory storing instructions, the first computer memory being associated with the financial institution and being further accessible and addressable over a network;
a database for storing user information, the database being accessible by the computer memory and accessible and addressable over the network; an automated teller machine, further comprising:
a second computer memory storing instructions, the second computer memory being associated with the automated teller machine and being accessible and addressable over the network;
an account access device for identifying the user upon detection of a user card and associating the user with financial account data stored on a host server, the account access device linked with a module operable to interrupt and generate flow of electrical current subsequent to detection of the user card;
at least one computer processor capable of accessing the first computer memory and executing the stored instructions, wherein the stored instructions comprise instructions to retrieve and evaluate the stored user information for the user identified by the account access device upon detection of the user card;
at least one glass panel positioned to at least partially obstruct a view of the automated teller machine, the at least one glass panel comprising:
an interior surface oriented toward the automated teller machine;
an exterior surface oriented away from the automated teller machine;
wherein the at least one computer processor is further operable to access the second computer memory and execute the stored instructions to retrieve settings indicating a desired level of transparency of the at least one glass panel upon detection of the card during the transaction and to customize an appearance of the at least one glass panel in accordance with the retrieved settings, by generating and delivering a change in electrical current to the at least one glass panel automatically in response to detection by the account access device of the user accessing the automated teller machine, the change in electrical current causing a decrease in transparency of the at least one glass panel and at least partially restricting the view of the automated teller machine through the at least one glass panel; and
a high definition projection screen viewable on the interior surface of the at least one glass panel, the high definition projection screen presenting content to the user of the automated teller machine, wherein the content of the display is determined by the computer processor and is based at least in part on the stored user information and characteristics of the user card.

US Pat. No. 10,027,707

SYSTEM AND METHOD FOR ANTI-PHISHING AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A method for providing security against phishing attacks, the method comprising:providing encrypted commitment information to a client;
receiving a dynamic credential from the client, in response to the encrypted commitment information provided;
determining when the dynamic credential is valid based on the received dynamic credential;
sending a commitment key for the encrypted commitment information to the client, when the determination indicates that the dynamic credential is a valid dynamic credential;
receiving a static credential from the client in response to the sent commitment key; and
authenticating the client based on the dynamic credential and the static credential.

US Pat. No. 9,992,071

APPLICATION AND INFRASTRUCTURE PERFORMANCE ANALYSIS AND FORECASTING SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer implemented application and infrastructure performance analysis and forecasting system, including at least a computer processor and a memory, the system comprising:a web dashboard provided by the computer processor for receiving infrastructure input from a user regarding application and infrastructure configuration and at least one performance objective through a user interface at a display device;
a modeling engine for determining using the computer processor operatively connected with the web dashboard over a network, at least one application and infrastructure performance model to present to the user based on the infrastructure input received from the user, the application and infrastructure performance model selected from at least one of a user response time model, a bulk transfer model, a message queue and database response time model, a message delay and variation model, a market data distribution model, and a streaming model;
a model input user interface at the display device for receiving model specific input from the user for the at least one application and infrastructure performance model selected by the modeling engine for presentation to the user;
a model computation engine operatively connected with the model input user interface, the model computation engine utilizing the computer processor for computing model specific output of the at least one application and infrastructure performance model based on the model specific input received from the user and the at least one performance objective input by the user, wherein the output includes a system design or configuration parameter for modification to achieve the at least one performance objective; and
a web dashboard for displaying the output of the at least one application and infrastructure performance model using a user interface at the display device.

US Pat. No. 9,946,300

SYSTEM AND METHOD FOR MOBILE DEVICE DOCKING STATION

JPMorgan Chase Bank, N.A....

1. A docking station, comprising:a communication interface to wirelessly communicate with a mobile device; a peripheral interface to provide access to at least one peripheral device;
an authentication interface to provide at least two layers of authentication for a user of the mobile device; and
a processor to facilitate a connection of the mobile device to a virtual desktop infrastructure (VDI) environment on a remote computer providing interaction with the VDI environment using the mobile device, upon successful completion of the at least two layers of authentication.

US Pat. No. 9,911,117

SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION

JPMorgan Chase Bank, N.A....

1. A system that authenticates a finance related transaction for a customer, the system comprising:
an authenticating authority comprising at least one computer processor; and
a token; and
the token including a token counter, the token counter periodically advancing to generate a changing token value in conjunction
with transactions, the token transforming the token value into a token output sequence using logic in a logic portion, the
token outputting at least part of the token output sequence to the authenticating authority over a network, the authenticating
authority inputting the at least part of the token output sequence;

the authenticating authority maintaining a base counter that generates an authenticating value, the base counter being synchronized
with the token counter so as to generate a same value as the token counter;

the authenticating authority inputting from the token at least part of the token output sequence, the authenticating authority
having access to the authenticating value, the authenticating authority constituted by a computer processing system;

the authenticating authority using the logic and the authenticating value to generate a verification sequence;
the authenticating authority verifying the validity of the transaction based on comparing the token output sequence to the
verification sequence to determine if there is a match between the token output sequence and the verification sequence;

wherein the authenticating authority compares only a part of the token output sequence with a corresponding part of the verification
sequence;

wherein the token output sequence is at least one of numbers, letters and symbols;
wherein the outputting at least part of the token output sequence to an authenticating authority includes using at least one
of a radio frequency signal, an infrared signal, an audio signal, a magnetic pattern signal and a data signal;

the token generating a time stamp value at a time of the transaction; and
the authenticating authority inputting the time stamp value and the base counter, which is in the authentication authority,
and determining the value of the authenticating value based on the time stamp value; and

wherein the authenticating value is a first authenticating value, the method further including:
the authenticating authority comparing the token output sequence to the verification sequence and determining that there is
not a match between the token output sequence and the verification sequence;

the authenticating authority recalculating a second authenticating value based on a subsequent base counter setting, the authenticating
authority using the logic to generate a second verification sequence based on the second authenticating value; and

the authenticating authority comparing the token output sequence to the second verification sequence to determine a match
between the token output sequence and the second verification sequence.

US Pat. No. 9,898,262

USER INTERFACE EVENT ORCHESTRATION

JPMORGAN CHASE BANK, N.A....

1. A computer-implemented method for automated generation and utilization of reusable user interface event handling routines,
the method comprising:
defining, using a computer system, a business domain object from a line of business;
associating, using the computer system, the business domain object with a user interface component type;
generating an interface to allow definition of a rule for a user interface component type;
defining, using the computer system, the rule for an event of the user interface component type based on the associated business
domain object;

automatically generating, using the computer system, an event handling routine based on the rule for the event of the user
interface component type, the event handling routine providing the defined rule in a specific programming language;

associating, using the computer system, the generated event handling routine with a user interface component of an application
interface;

utilizing the generated event handling routine by execution when an event associated with the user interface component is
detected in the application interface;

modifying, using the computer system, the defined rule to create an updated rule; and
generating, using the computer system, an updated event handling routine to provide the updated rule in place of the defined
rule and to replace the previously generated event handling routine.

US Pat. No. 9,824,341

OBJECT ORIENTED SYSTEM FOR MANAGING COMPLEX FINANCIAL INSTRUMENTS

JPMorgan Chase Bank, N.A....

1. A computing system for processing financial instruments using object oriented technology, the system comprising:
at least one storage device storing:
a plurality of financial event templates, each financial event template comprising at least one component, and defining, for
each variable within said at least one component that points to a different component, a processor-independent interface to
the different component, and

multiple processing objects including at least an event extraction processing object comprising procedures defining processing
to be performed for an event type or a plurality of event types; and

at least one computing device communicating with the storage device, the computing device including a computer processor programmed
to execute instructions to perform steps including:

accessing the plurality of stored financial event templates from the storage device,
constructing a representation of each financial instrument, the representation comprising a static representation and an event
representation of the financial instrument, the construction performed by selecting financial events from the plurality of
financial event templates,

reading at least one of the processing objects from the storage device and reading the event representation of at least one
of the financial instruments from the storage device, and

executing the procedures defined in the processing object that correspond to the financial events of the event representation,
wherein the static representation is specified independently from the processing object, wherein the computer processor executes
procedures defined in the event extraction processing object, thereby generating the event representation and wherein the
event extraction processing object is specified independently of the static representation,

wherein the static representation further comprises inputs to the financial instrument, the relationships between the inputs,
and a manner of integrating the relationships utilizing extraction to generate a series of financial event streams.

US Pat. No. 9,747,460

SYSTEMS AND METHODS FOR DATA SHARING AND TRANSACTION PROCESSING FOR HIGH SECURITY DOCUMENTS

JPMorgan Chase Bank, N.A....

1. A method for electronic document management, comprising:
at least one computer processor at an electronic document management server receiving an identification of an electronic document
to be sent, an identification of a sender to send the document, and an identification of a receiver to receive the document;

based on the identification of the electronic document and the identification of the sender, the at least one computer processor
at the electronic document management server verifying that a sender of the electronic document is authorized to send the
electronic document;

based on the identification of the electronic document and the identification of the receiver, the at least one computer processor
at the electronic document management server verifying that a receiver of the electronic document is authorized to receive
the electronic document;

the at least one computer processor at the electronic document management server identifying at least one dynamic receiver
authentication restriction to associate with the electronic document, the at least one dynamic receiver authentication restriction
changing from a first receiver authentication level to a second receiver authentication level based on an event;

the at least one computer processor at the electronic document management server associating the at least one dynamic restriction
with the electronic document; and

the at least one computer processor at the electronic document management server sending the electronic document with the
at least one dynamic receiver authentication restriction to a receiving device associated with the receiver.

US Pat. No. 9,734,501

AUTHENTICATION AND INTERACTION TRACKING SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A method for facilitating authentication of entities engaging in transactions, the authentication based on a record of
interactions initiated by the entities, the method comprising:
receiving interaction requests from a requesting entity over a network at a central authentication and interaction tracking
system including at least one computer memory and at least one computer processor, the interaction requests originating from
the entities using multiple diverse applications and including a plurality of authentication factors;

executing instructions stored in the computer memory using the computer processor to perform steps including:
deriving, from each interaction request, an entity print for each requesting entity;
building, from each interaction request, an interaction signature;
classifying each interaction signature as at least one of a valid interaction signature or a fraudulent interaction signature;
processing the interaction signature with previously classified interaction signatures;
comparing the derived entity print with a pre-existing historical entity;
generating, based at least on said steps of processing and comparing, a confidence level that a requesting entity is authentic
and a risk level associated with authenticity of the interaction request;

determining the risk level and confidence level meet requirements for authentication according to at least one policy;
providing positive feedback to an authentication engine when the risk level and confidence level meet requirements for authentication
and opening an authentication dialog with the authentication engine when the risk level and confidence level do not meet the
requirements;

executing policy rule sets at the authentication engine during the authentication dialogue to reach an authentication conclusion,
the conclusion including one of a requirement for more information, a positive authentication decision, and a negative authentication
decision.

US Pat. No. 10,055,726

SYSTEMS AND METHODS FOR MANAGEMENT OF MOBILE BANKING RESOURCES

JPMorgan Chase Bank, N.A....

1. A self-propelled, mobile transaction resource comprising:an unmanned, self-propelled, mobile platform comprising:
a motor;
a plurality of wheels or tracks driven by the motor; and
a power supply that powers the motor;
a user interface comprising a screen and a user input device for interfacing with a user 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
wherein the communications interface receives customer demand data for the mobile transaction resource from the server, the customer demand data representing demand for the mobile transaction resource from a plurality of customers of the mobile transaction resource at a plurality of customer locations; and
the at least one controller determines one of the plurality of customer locations for the unmanned, self-propelled, mobile platform based on the customer demand data, and controls the motor to move the unmanned, self-propelled, mobile platform to the determined customer location.

US Pat. No. 10,026,078

SYSTEM AND METHOD FOR ACCESSING MULTIPLE ACCOUNTS

JPMorgan Chase Bank, N.A....

1. An access device for a plurality of accounts comprising:a body having substantially a credit card shape;
a processor housed in the body;
a memory in communication with the processor, wherein the memory stores information on a plurality of accounts;
a selection device that allows a user to select one of the plurality of accounts;
a first display for displaying an account number for the selected account;
a second display that displays an account description;
a third display that displays a CVV code; and
a wireless transmitter and a wireless receiver in communication with the processor;
wherein the processor retrieves at least some of the information on the selected account from memory and instructs the wireless transmitter to transmit at least some of the retrieved information on the selected account.

US Pat. No. 10,002,351

SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS USING A WALLET

JPMORGAN CHASE BANK, N.A....

1. A method comprising:generating token information for each of a plurality of payment products of a customer, each payment product of the customer corresponding to a payment mechanism and an account number;
storing the token information for each of the plurality of payment products of the customer securely in a wallet vault and in a wallet on a customer mobile device, the wallet vault and the customer mobile device both comprising memory and at least one processor;
presenting, via the wallet on the customer mobile device, the customer with the plurality of payment products after the token information has been stored;
receiving, via the wallet on the customer mobile device, a selection of a particular payment product among the plurality of payment products from the customer;
establishing a connection between the customer mobile device and a merchant point-of-sale (POS) system of a merchant;
receiving a predetermined credential from the customer after the connection has been established;
outputting the token information to the merchant POS system after the received predetermined credential is verified wherein the token information is used to secure the account number from the merchant POS system;
receiving at the wallet vault the token information from the merchant POS system and through an interim payment processing entity;
comparing the token information received at the wallet vault to the token information stored at the wallet vault for the particular payment product of the customer, wherein the merchant POS system affects whether the token information comprises a single use token or a mufti-use token that is authorized for use in multiple transactions; and
upon a determination that the received token information matches the stored token information:
outputting from the wallet vault to a payment network the account number corresponding to the particular payment product selected by the customer; and
outputting an authorization to the merchant POS system.

US Pat. No. 9,990,636

ENTERPRISE FULFILLMENT SYSTEM WITH DYNAMIC PREFETCHING, SECURED DATA ACCESS, SYSTEM MONITORING, AND PERFORMANCE OPTIMIZATION CAPABILITIES

JPMorgan Chase Bank, N.A....

1. A fulfillment system for providing services to a customer in response to a customer request through one or more channels, the fulfillment system comprising:a request receiving engine, the request receiving engine connected to the one or more channels to receive the customer request;
a request processing engine for processing customer requests including pre-fetching a first set of data for the customer requests; and
an analytics engine for optimizing the performance of the fulfillment system, the analytics engine programmed to perform at least the following:
tracking performance of the fulfillment system;
retrieving data associated with processing the customer requests at the fulfillment system, including data associated with at least one customer request;
processing the retrieved data;
determining efficiency of at least one aspect of the fulfillment system, including determining how much of the first set of pre-fetched data is utilized in processing the customer requests;
automatically changing the amount of data to pre-fetch to process the customer requests from the first set to a second set; and
automatically optimizing at least one inefficient aspect of the fulfillment system by performing one or more optimization tasks.

US Pat. No. 9,971,595

TECHNIQUES FOR AUTOMATED DATABASE DEPLOYMENT

JPMorgan Chase Bank, N.A....

1. A computer-implemented method for automated database deployment, the method comprising automatically performing the steps of:designating a first repository location for depositing proposed change files for a target database;
retrieving a proposed change file from said first designated repository location;
validating the proposed change file by testing each proposed change in the proposed change file against a copy of said target database, wherein the step of validating is not terminated until all the proposed changes have been tested for potential error(s);
if no error is found, moving the proposed change file to a second designated repository location for subsequent deployment to said target database; and
if one or more errors are found, generating a report of the one or more errors without moving the proposed change file to said second designated repository location.

US Pat. No. 9,798,650

APPLICATION TESTING SYSTEM AND METHOD

JPMorgan Chase Bank, N.A....

1. A computer implemented application testing system for testing at least one software system, including at least one computer
processor and a non-transitory computer memory, the application testing system comprising:
a web dashboard for receiving information pertaining to at least one test selection from a user using a user interface at
a display device, the information including identification of a feature, a scenario, a background, a programming language,
a format for generated test cases, and a predefined condition, the web dashboard further showing at least one data table associated
with the selected feature, and an additional conditions section allowing the user to specify additional conditions, wherein
the web dashboard allows the user to associate the data table with at least one additional condition;

a feature file generation engine executed by the computer processor to generate at least one feature file based on the at
least one test selection and the information entered into the web dashboard, wherein generating the feature file includes
generating the feature file in a business language and generating a step definition of the feature file in the programming
language specified by the user, wherein the at least one feature file is stored in the non-transitory computer memory;

a feature file execution engine to execute the at least one feature file and generate at least one execution result in the
format for generated test cases specified through the web dashboard; and

a reporting engine to generate a report based on the at least one execution result, wherein the web dashboard displays the
at least one execution result.

US Pat. No. 10,185,936

METHOD AND SYSTEM FOR PROCESSING INTERNET PAYMENTS

JPMorgan Chase Bank, N.A....

1. A system for effectuating electronic payments using a credit transfer via an Electronic Funds Transfer (EFT) network, the system comprising:at least one account system operated by a first institution and tangibly embodied in a processing system, the at least one account system maintaining a plurality of electronic payment accounts for a plurality of customers of a first bank, at least one of the plurality of customers having a demand deposit account at the first bank;
a bank interface coupled to the at least one account system and coupled to the first bank, the bank interface tangibly embodied in the processing system, the bank interface transmitting and receiving financial information related to the demand deposit account of the at least one customer and related to the electronic payment account of the at least one customer, the at least one account system funding the electronic payment account of the at least one customer from the demand deposit account of the at least one customer; and
a customer interface coupled to the at least one account system, the customer interface providing an interface for the plurality of customers to the at least one account system, the customer interface:
establishing an interface with a first customer including a log-in to establish interface with the first customer, the interface with the first customer utilizing encryption to provide protection to the interface with the first customer;
accepting a command from the first customer to transfer funds from the first customer's electronic payment account to an electronic payment account of another customer, the command including account information identifying the first customer's electronic payment account; and
transferring the command to the at least one account system; and
the at least one account system effectuating the commanded transfer of funds through the EFT network, such effectuating of the commanded transfer of funds including transmission of an EFT credit message representing a credit in an amount of the electronic payment, the transmitting of the EFT credit message constituting a pushing of funds to the electronic payment account of the another customer, the electronic payment account of the another customer being a virtual private locker (VPL) which is a receive-only account, the account number of which is known to the first customer, a payor of the funds, the customer interface transferring the command to the at least one account system, which effectuates the commanded transfer of funds, includes the account system:
receiving the command; and
receiving the account information identifying the first customer's electronic payment account; and
sending, through the EFT network, a verification message to the electronic payment account of the another customer to verify the VPL's existence and identity;
receiving from the VPL a response message that includes a description of an owner of the VPL;
interfacing with the first customer to input a selection from the first customer regarding whether the another customer is to be provided with information such that the first customer's electronic payment account is identifiable to the another customer, and inputting selection from the first customer that the another customer is not to be provided with information such that the first customer's electronic payment account is identifiable to the another customer;
wherein in such pushing, a payee account number of the another customer, the payee, is transmitted over a network without the account information of the first customer, the payor; and
wherein the pushing of funds, without the account information of the first customer, is constituted by the payee not being provided with information such that the payor account is identifiable to the payee.

US Pat. No. 10,134,023

SYSTEM AND METHOD FOR DIVISION AND MANAGEMENT OF EXPENSES

JPMorgan Chase Bank, N.A....

1. A computer-implemented expense splitting method for allowing a payer to divide expenses for a bill among multiple purchasers, the expense splitting method controlled from a payer mobile device, the method comprising:transforming a receipt to purchase data that identifies each of one or more purchase entries using the payer mobile device, wherein the receipt is captured via an image or transmitted to the payer mobile device by a merchant;
providing an interactive tagging user interface on the payer mobile device generated based on the identified one or more entries in the purchase data, the interactive tagging user interface displaying one or more entries corresponding to one or more purchases and a tagging option in the interactive tagging user interface for tagging each of the entries with an indicator of one or more stored identities of the purchasers available from a recipient list interface, wherein the transformation of the receipt to the purchase data displays an automated alert on the interactive tagging user interface for input regarding the tagging option for tagging each of the entries;
determining when each of the entries on the interactive tagging user interface have been tagged in real time and prompting for tagging until all entries have been tagged;
allocating with an allocation engine a percentage of each of the entries on the interactive user interface to at least one of the purchasers based on the indicator of the one or more identities of the purchasers for each of the entries from the tagging when the determination indicates the tagging of all the entries is complete;
calculating an amount due from each of the purchasers based on the allocation, wherein the amount due includes allocating an amount of tax due based on the calculated amount due from each of the purchasers;
providing a payment interface on the payer mobile device for allowing online payment from the payer for a total amount of purchase for the bill; and
generating electronic reimbursement requests from the payer mobile device, the reimbursement requests automatically triggered in real time by the payment and requesting each of the purchasers to reimburse for the amount due from each of the purchasers, the reimbursement requests transmitted over a communication network from the payer mobile device to an electronic address stored for each of the purchasers and allowing online reimbursement to the payer from remote devices associated with the purchasers, wherein the payer mobile device receives an electronic notification and a transaction record is updated when each of the reimbursement requests is completed.

US Pat. No. 10,069,706

METHOD AND SYSTEM FOR IMPLEMENTING A NETWORK ANALYSIS TOOL FOR ENDPOINTS DEPLOYMENTS

JPMORGAN CHASE BANK, N.A....

1. An automated computer implemented method for network analysis for endpoint deployment, wherein the method is executed by a programmed computer processor which communicates with a user via a network, the method comprising the steps of:receiving, via a user interface, current device count configuration, current bandwidth utilization data; and planned device count configuration for a site location wherein the current device count configuration comprises a combination of at least two of the following: current telepresence room devices, conference room devices, desktop devices, and mobile devices and wherein the planned device count configuration comprises another combination of at least two of the following: planned telepresence room devices, conference room devices, desktop devices, and mobile devices;
accessing Quality of Service allocation data;
determining, via a computer processor, whether a Quality of Service analysis based on the Quality of Service allocation data meets a first predetermined threshold for the location; if the Quality of Service analysis does not meet the first predetermined threshold, calculating a first minimum required bandwidth for meeting the first predetermined threshold and increasing link capacity to at least the first minimum required bandwidth or modifying an operation mode;
determining, via a computer processor, whether a bandwidth analysis meets a second predetermined threshold for the location, and if the bandwidth analysis does not meet the second predetermined threshold, calculating a second minimum required bandwidth for meeting the second predetermined threshold and increasing link capacity to at least the second minimum required bandwidth; and
providing, via a user interface, analysis results comprising a minimum required capacity for each link for a plurality of links at the location, codec operation modes and a proximity of the projected total link utilization to a designated link utilization threshold level for the deployment.

US Pat. No. 10,037,515

SYSTEMS AND METHODS FOR DRIVER AUTHENTICATION THROUGH EMBEDDED SENSING

JPMorgan Chase Bank, N.A....

1. A system for driver authentication through embedded sensing comprising:a vehicle comprising:
a first sensor sensing a physical characteristic of a vehicle occupant;
a second sensor sensing a vehicle interaction movement of the vehicle occupant that is associated with the vehicle occupant's operation of the vehicle;
at least one computer processor executing a computer application, the computer application receiving the sensed physical characteristic and the sensed vehicle interaction movement from the first sensor and the second sensor; and
a vehicle communication interface that communicates the sensed physical characteristic and the sensed vehicle interaction movement;
a back-end server in communication with the vehicle communication interface that receives the sensed physical characteristic and the sensed vehicle interaction movement; and
a plurality of transaction locations in communication with the back-end server;
wherein at least one of the back-end server and one of the plurality of transaction locations authenticates the vehicle occupant based on the sensed physical characteristic and the sensed vehicle interaction movement.

US Pat. No. 10,037,541

METHOD AND SYSTEM FOR MONITORING AND DETECTING FRAUD IN TARGETED BENEFITS

JPMORGAN CHASE BANK, N.A....

1. An automated computer implemented system identifying potential fraud in benefit programs using a plurality of electronic filters, wherein the system comprises a programmed computer processor which communicates with a user via a network, the system comprising:a database that stores data relating to participants of one or more benefit programs,
an electronic input that receives transaction data associated with a participant of a benefit program wherein the transaction data comprises geographical data associated with the participant and a participating merchant wherein the benefit program restricts redemptions to a class of eligible purchases at one or more eligible merchants;
a data linking engine, coupled to the database and the electronic input, comprising a programmed computer processor, configured to apply data linking to the transaction data where a plurality of filters are applied in a predetermined sequence, the plurality of filters comprise a first filter based on participant behavior data, a second filter based on merchant type data and a third filter based on a transaction characteristic and each filter is applied to the transaction data in the predetermined sequence to isolate one or more participants and merchants involved in a potential fraud; and
an interactive computer interface, coupled to the data linking engine, configured to generate a recommended response to interact with the one or more isolated participants and merchants involved in the identified potential fraud.

US Pat. No. 10,067,758

SYSTEMS AND METHODS FOR IMPROVED WORKFLOW PROCESSING

JPMorgan Chase Bank, N.A....

1. A method for workflow processing, comprising:in an information processing apparatus comprising a computer processor, a workflow computer program executed by the computer processor computing a predictable path for computer code by performing the following:
traversing at least a portion of the computer code to identify a plurality of conditional units of work therein, each conditional unit of work having a dimension that specifies a condition for the unit of work to be invoked;
creating a grouping for each dimension;
associating each of the plurality of units of work with a grouping based on the unit of work's dimension;
receiving a message for processing using the computer code;
prior to processing the message using the computer code, identifying a message dimension for the message, the identification of the message dimension eliminating conditional checks during processing;
identifying one of the plurality of groupings that has the same dimension as the message dimension; and
processing the message by invoking the units of work in the identified grouping.

US Pat. No. 10,210,504

SYSTEMS AND METHODS FOR GIFT CARD LINKING

JPMorgan Chase Bank, N.A....

1. A method for gift card exchange, comprising:in an information processing apparatus including at least a memory, a communication interface, and at least one computer processor:
receiving, from a mobile electronic device associated with a customer, an identification of a first stored value instrument for a first merchant;
receiving, from the mobile electronic device associated with customer, an exchange request to exchange the stored value instrument for second stored value instrument for a second merchant;
retrieving a balance for the first stored value instrument from a stored value instrument processor for the first merchant;
determining an exchange amount for the exchange based on the balance for the first stored value instrument;
communicating the balance for the first stored value instrument and the exchange amount to the mobile electronic device associated with the customer;
receiving, from the mobile electronic device associated with the customer, approval to exchange the first stored value instrument;
exchanging the first stored value instrument for the exchange amount; and
issuing, to the mobile electronic device associated with the customer, the second stored value instrument for the second merchant.

US Pat. No. 10,129,396

SYSTEM AND METHOD FOR PROVIDING SELF-SERVICE WHILE ON HOLD DURING A CUSTOMER INTERACTION

JPMORGAN CHASE BANK, N.A....

1. A customer interaction management system comprising:a memory that stores and manages customer profile data and customer interaction data;
an input that receives a voice input from a customer; and
a computer processor, coupled to the memory and the voice input, programmed to:
interact, via a first communication channel, with the customer via an automated self-service feature to address a current customer issue relating to a customer account;
receive a customer input to opt out of the automated self-service feature;
place the customer in a queue with an estimated wait time;
determine whether the estimated wait time exceeds a threshold wait time;
engage the customer in a self-service on hold feature via a second communication channel separate from the first communication channel, wherein the second communication channel comprises a messaging channel;
generate a link with a token, wherein the link provides access to one or more webpages;
transmit the link to a customer device associated with the customer with corresponding data to guide the customer through the one or more webpages to address the current customer issue;
maintain the customer's place in the queue while the customer interacts with the self-service on hold;
determine the customer's progress in resolving the current customer issue during the self-service on hold;
provide an option to the customer to continue with the second communication channel and adjust the customer's place in the queue; and
when an agent becomes available, provide an option to connect the customer to the available agent and further communicate the customer's progress to the available agent.

US Pat. No. 10,110,559

SYSTEM AND METHOD FOR WEB APPLICATION FIREWALL TUNNELING

JPMorgan Chase Bank, N.A....

1. A method for providing web application firewall protection, comprising:receiving a plurality of characters individually entered by a user into a field of a HTML page that is executed in a client runtime environment of a client device, the client device on a client side of a web application firewall;
as each character is entered:
at least one computer processor evaluating the character to identify a prohibited character; and
the at least one computer processor executing an action in response to the character being identified as a prohibited character, wherein the action includes one of briefly displaying the character in the field and not displaying the entered character in the field;
the at least one computer processor displaying the character in response to the character not being identified as a prohibited character; and
passing the plurality of characters entered into the field through the web application firewall to a server on a server side of the web application firewall.

US Pat. No. 10,346,915

SYSTEMS AND METHODS FOR HIERARCHICAL DUAL-DYNAMIC EXCEPTION MANAGEMENT

JPMorgan Chase Bank, N.A....

1. A method for hierarchical dual-dynamic exception management, comprising:an exception management system comprising at least one computer processor configuring a hierarchical exception profile comprising a plurality of exceptions, wherein at least one of the exceptions comprises a plurality of sub-exceptions, each exception and sub-exception having at least an exception metric, a high-level status calculation, and an exception explain calculation;
the exception management system receiving, from a plurality of external data sources, net-asset value data, the net-asset value data comprising a plurality of components and sub-components, each component associated with an exception, and each sub-component associated with a sub-exception;
the exception management system calculating a current daily value of interest for the net-asset value data;
the exception management system identifying at least one exception from the hierarchical exception profile based on the current daily value of interest;
the exception management system calculating a high-level status and an explain for the identified exception from the hierarchical exception profile;
the exception management system publishing the identified exception, the calculated high level status, and the calculated explain to at least one of an internal system and an external system; and
the exception management system checking an entitlement of a user accessing the exception, the calculated high level status, and the calculated explain before displaying results to the user.

US Pat. No. 10,230,762

SYSTEM AND METHOD FOR SHARING INFORMATION IN A PRIVATE ECOSYSTEM

JPMORGAN CHASE BANK, N.A....

1. A method for securely transferring data between at least two software applications within a restricted ecosystem of software applications, the method comprising:loading a first of said at least two software applications onto an application loader;
encrypting transport data to transfer from said first of said at least two software applications to a second of said at least two software applications, said transport data being encrypted with a master key;
generating a user passcode key from a user passcode cipher seed;
encrypting said master key with said user passcode key;
storing said encrypted transport data at a first location in a computer memory, said first location being chosen randomly;
combining said encrypted master key with a first address of said first location;
storing, at a second location in said computer memory, said combined master key and said first address of said first location, a second address of said second location being generated from a keychain location cipher seed; and
communicating said keychain location cipher seed to said second of said at least two software applications.

US Pat. No. 10,110,736

SYSTEM AND METHOD FOR IMPLEMENTING SMS TEXTING AS A CUSTOMER SERVICE CHANNEL

JPMorgan Chase Bank, N.A....

1. A method for providing a customer service channel responsive to text messages forwarded from a mobile device to a dedicated customer service landline, the method comprising:receiving, a text message forwarded from a mobile device to a dedicated customer service landline;
processing the text message, the processing including:
determining a risk level associated with a service requested by the text message and determining a relationship of the risk level to a pre-selected threshold;
transitioning the customer to a different channel for authentication when the relationship indicates that the risk level exceeds the pre-selected threshold;
determine a subject of the text message using a subject inference component;
identifying when one or more of a plurality of customer service platforms associated with the received text message based on the determined subject of the text message;
forwarding the text message to the one or more of the plurality of customer service platforms when the identification indicates that the one or more of the plurality of customer service platforms are associated with the received text message;
receiving a response to the text message formulated at one of the plurality of customer service platforms; and
transmitting the response in the form of another text message to the text hub for delivery by a mobile carrier to the mobile device.

US Pat. No. 10,135,798

SYSTEMS AND METHODS FOR IMPLEMENTING A PROXIMITY LOCK USING BLUETOOTH LOW ENERGY

JPMorgan Chase Bank, N.A....

1. A Bluetooth low energy proximity lock system, comprising:a host electronic device comprising a computer processor;
a peripheral electronic device comprising a computer keyboard interfacing with the host electronic device and comprising:
a controller; and
a first Bluetooth low energy component; and
a user device comprising a second Bluetooth low energy component;
wherein the controller:
using the first Bluetooth low energy component, identifies the second Bluetooth low energy component;
determines a radio signal strength between the first Bluetooth radio component and the second Bluetooth low energy component; and
generates a keyboard command that renders the host electronic device temporarily inoperable in response to the radio signal strength being below a predetermined threshold.