US 12,136,082 B2
Systems and methods for dynamic inclusion of enhanced data in transactions
Howard Spector, Street, MD (US); Allison Beer, Bronxville, NY (US); Craig M. 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 Nov. 29, 2023, as Appl. No. 18/523,152.
Application 18/523,152 is a continuation of application No. 18/173,646, filed on Feb. 23, 2023, granted, now 11,893,575.
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 2024/0095717 A1, Mar. 21, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/22 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0207 (2023.01)
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 20/3825 (2013.01); G06Q 20/385 (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 themobile 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 a user-selected option that is 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;
sending, by the mobile payment application, a transaction request for the transaction, the transaction request comprising a unique identifier for the financial instrument 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 the transaction request for the transaction;
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.