US 11,893,575 B2
Systems and methods for dynamic inclusion of enhanced data in transactions
Howard Spector, Street, MD (US); Allison Beer, Bronxville, NY (US); Craig Mullaney, Newark, DE (US); Vimal Brahmbhatt, Middletown, DE (US); and Brent Samuels, Avondale, PA (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Feb. 23, 2023, as Appl. No. 18/173,646.
Application 18/173,646 is a continuation of application No. 15/908,203, filed on Feb. 28, 2018, granted, now 11,620,639.
Claims priority of provisional application 62/469,135, filed on Mar. 9, 2017.
Claims priority of provisional application 62/465,683, filed on Mar. 1, 2017.
Prior Publication US 2023/0196338 A1, Jun. 22, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 30/0207 (2023.01); G06Q 20/38 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01); G06Q 20/22 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/102 (2013.01); G06Q 20/204 (2013.01); G06Q 20/227 (2013.01); G06Q 20/3227 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/382 (2013.01); G06Q 20/385 (2013.01); G06Q 20/3825 (2013.01); G06Q 20/40 (2013.01); G06Q 30/0207 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method for conducting a mobile wallet payment with dynamic enhanced data using a mobile payment application, comprising:
communicating, by a mobile wallet computer application for a financial instrument issuer, a mobile wallet computer application identifier for the mobile wallet computer application to a mobile payment application thereby linking the mobile wallet computer application and the mobile payment application, the mobile wallet computer application and the mobile payment application executed by a mobile electronic device for a customer;
receiving, by the mobile wallet computer application and from the customer, a selection of a financial instrument that is provisioned to the mobile wallet computer application and an instruction to pay for a transaction with rewards points that are associated with the selected financial instrument;
communicating, by the mobile wallet computer application, the selection of the financial instrument to the mobile payment application;
receiving, by a backend for the financial instrument issuer comprising at least one computer processor and from the mobile wallet computer application over a first communication network, a first communication comprising the instruction and the mobile wallet computer application identifier;
receiving, by the backend and from a merchant point of transaction device for a merchant over a second communication network, a second communication comprising a transaction request for the transaction that was received by the merchant point of transaction device from the mobile payment application, the transaction request comprising a unique identifier for the financial instrument and the mobile wallet computer application identifier;
matching, by the backend, the first communication and the second communication using the mobile wallet computer application identifier; and
processing the transaction request according to the instruction.