David Francis Carey

US Patent:

20210326890, Oct 21, 2021

Filed:

Apr 21, 2020

Appl. No.:

16/854121

Inventors:

- New York NY, US
Anishkumar C. PATEL - Middletown DE, US
Rajeev Kumar BALASUBRAMANIAN - Newark DE, US
Brian P. DUNPHE - Oxford PA, US
David Christopher CAREY - Middletown DE, US
Jonathan ROSNER - White Plains NY, US
Shruti K. PATEL - New York NY, US
Deepak JOSHI - Wayne PA, US

International Classification:

G06Q 20/40

Abstract:

An embodiment of the present invention is directed to a Temporal CVV2 of CVV, which may be represented as a temporary three digit number generated using unique credentials associated with a card product. According to an embodiment of the present invention, the Temporal CVV2 may be generated for each transaction request or other defined set of transactions based on one or more factors, including time period/limit, usage, fraud/risk considerations. With this solution, a customer may request a new Temporal CVV2 each time a purchase is initiated. This may include online purchases, e-commerce transactions, manual link and provision requests, customer authentication for servicing channels, etc. An embodiment of the present invention seeks to mitigate risk and provide a safer and secure solution for customers while providing flexibility to make various purchases before a new card arrives.

US Patent:

20210248596, Aug 12, 2021

Filed:

Feb 10, 2020

Appl. No.:

16/786812

Inventors:

- New York NY, US
Sridhar ARAVAMUDHAN - Middletown DE, US
David Christopher CAREY - Middletown DE, US
Shruti K. PATEL - New York NY, US
Janice Yoke Leng WONG - New York NY, US

International Classification:

G06Q 20/36
G06Q 40/02
H04L 9/32
H04L 29/06

Abstract:

Systems, methods, and devices for provisioning funding card numbers to merchant wallets are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for provisioning funding card numbers to third party wallets may include: (1) authenticating a customer using an electronic device; (2) redirecting the customer to a third-party website; (3) receiving, from the third-party website and via a first API, a request for funding primary account numbers (FPANs) associated with the customer; (4) providing the third-party website with a plurality of FPAN identifiers for FPANs associated with the customer; (5) receiving, from the third-party website and via a second API, a request for a FPAN associated with a selected FPAN identifier; (6) encrypting the FPAN associated with the selected FPAN identifier; and (7) communicating the encrypted FPAN to the third-party website.

US Patent:

20210117250, Apr 22, 2021

Filed:

Oct 15, 2020

Appl. No.:

17/071666

Inventors:

- New York NY, US
David Christopher CAREY - Middletown DE, US
Indeevara H. DE SILVA - Lewis Center OH, US
Sridhar ARAVAMUDHAN - Middletown DE, US

International Classification:

G06F 9/54
G06F 9/445
G06Q 40/02
G06Q 20/10
G06Q 20/32
G06Q 20/36
G06Q 30/00
H04L 29/08

Abstract:

A mobile computer application may (1) access a financial institution mobile application to determine if there is an account that is eligible for provisioning to the mobile computer application; (2) initiate a secure session with the financial institution backend in response to a determination that there is an account eligible for provisioning to the mobile computer application; (3) request an identification of an account that is eligible for provisioning to the mobile computer application from the financial institution backend; (4) receive a pointer to an account that is eligible for provisioning to the mobile computer application from the financial institution backend; (5) display an icon for the eligible account; (6) receive a selection of the icon; (7) return the pointer to the financial institution backend; (8) receive a provisioning payload for the eligible account from the financial institution backend; and (9) initiate in-application provisioning of the eligible account.

US Patent:

20210073848, Mar 11, 2021

Filed:

Aug 28, 2020

Appl. No.:

17/005995

Inventors:

- New York NY, US
David Christopher CAREY - Middletown DE, US
Michael POLISE - Philadelphia PA, US
Ruchi Ashok SAINI - Garnet Valley PA, US
Jason M. DEITCHER - Wilmington DE, US
Sudheendra AYYALASOMAYAJULA - Coatesville PA, US
Kiana HARRIS - Chambersburg PA, US
Marc FRATTARELLI - Glen Mills PA, US
Daniel KIM - Fulton MD, US
Joshua ROSENTHAL - Airmont NY, US
Brandon TRAN - Philadelphia PA, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G06Q 30/02

Abstract:

A method for providing an offer to a potential recipient is provided. The method includes obtaining first information, such as demographic information and/or shopping history information, that relates to the potential recipient; assigning a respective value to each of a plurality of first parameters based on the first information; assigning a respective value to each of a plurality of second parameters based on second information that relates to the offer; determining a composite score based on the assigned first parameter values and the assigned second parameter values; and determining, based on the composite score, whether to provide the offer to the potential recipient.

US Patent:

20190080319, Mar 14, 2019

Filed:

Sep 11, 2017

Appl. No.:

15/700866

Inventors:

- New York NY, US
David Christopher Carey - Middletown DE, US

International Classification:

G06Q 20/36
G06Q 20/40
G06Q 20/34

Abstract:

Systems and methods for token vault synchronization are disclosed. In one embodiment, in a third party provider information processing apparatus comprising at least one computer processor, a method for token vault synchronization using a third party provider may include (1) receiving, from a computer program executed by an electronic device associated with a customer, a request to provision an identifier for an account associated with the customer to the computer program; (2) generating the identifier; (3) creating an association of the identifier and the account; (4) storing the association of the identifier and the account in a third party provider vault; (5) electronically communicating the association of the identifier and the account to an issuer of the account; (6) receiving a cryptogram from the issuer; (7) electronically communicating the cryptogram and the association of the identifier and the account to the computer program.

US Patent:

20190081784, Mar 14, 2019

Filed:

Sep 10, 2018

Appl. No.:

16/126201

Inventors:

- New York NY, US
David Christopher Carey - Middletown DE, US

International Classification:

H04L 9/12
G06Q 20/06

Abstract:

Systems and methods for token vault synchronization using a distributed ledger are disclosed. In one embodiment, in a distributed token ledger network comprising a plurality of nodes, each node associated with a token ledger and comprising at least one computer processor, a method for token vault synchronization using a distributed ledger may include: (1) a node receiving a lifecycle event for a payment token; (2) the node writing the lifecycle event to a token ledger for the node; (3) committing the lifecycle event to the distributed token ledger after the plurality of nodes in the distributed token ledger agree to committal; (4) a watcher at the node detecting the commitment of the lifecycle event to the distributed token ledger; and (5) the watcher communicating the lifecycle event to a non-node participant.

Address:

6 Ecoway Ct APT 3D, Towson, MD 21286

VIN:

JTNBE46K473111150

Make:

TOYOTA

Model:

CAMRY

Year:

2007