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公开(公告)号:US20200074455A1
公开(公告)日:2020-03-05
申请号:US16558415
申请日:2019-09-03
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: John Corwin HUNTER , Umar FAROOQ , Tiffany Ashley WAN , Naveen MALLELA , Christine MOY , Tyrone LOBBAN , Oliver HARRIS , Palka S. PATEL
IPC: G06Q20/38
Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.
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公开(公告)号:US20210350358A1
公开(公告)日:2021-11-11
申请号:US17317502
申请日:2021-05-11
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Catherine D. FAULK , Matthew C. TAYLOR , Christine MOY , George KASSIS , Tyrone LOBBAN
Abstract: According to another embodiment, a method for invoicing and payments in an integrated supplier network may include: (1) receiving, at a supplier interface for a payments computer program, an invoice from a supplier; (2) receiving, at a buyer interface for the payments computer program, a payment allocation for the invoice, wherein the payment allocation may be associated with a supplier attestation for the supplier; (3) transferring, by the payments computer program, funds for the payment allocation to a liquidity pool, wherein the funds are commingled with other funds in the liquidity pool; (4) receiving, at the supplier interface, the supplier attestation, and a request to withdraw at least a portion of the funds for the payment allocation; and (5) retrieving, by the payments computer program, the portion of the payment allocation to a supplier account with the integrated supplier network.
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公开(公告)号:US20210272112A1
公开(公告)日:2021-09-02
申请号:US17185149
申请日:2021-02-25
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Tyrone LOBBAN , George KASSIS , Karthik SUBRAMANIAN , Christine MOY
Abstract: Systems and methods for distributed ledger-based collateral movement are disclosed. According to an embodiment, a method for distributed ledger-based collateral movement may include: (1) receiving, at a first collateral custodian computer system for a collateral custodian and from a client of the first collateral custodian, a collateral asset for a target asset held by a client of a second collateral custodian; and (2) tokenizing the collateral asset and writing a collateral token to a distributed ledger platform. The second collateral custodian receives, from the distributed ledger platform, the collateral token and releases the target asset to the first collateral custodian in response to receiving the collateral token.
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公开(公告)号:US20230351353A1
公开(公告)日:2023-11-02
申请号:US18308528
申请日:2023-04-27
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Sanjay SARAF , Adit GADGIL , Umar FAROOQ , Ratnavelsamy KALYANASUNDARAM , Tyrone LOBBAN , Giacinto COSENZA , George KASSIS , Abbas ALI , Jodie CASTON , Arulsenthilkumar SHANMUGAM , Kirsten JONES , Nicole PARINA , Nancy NUGENT , Aditya Mayur TADAY
CPC classification number: G06Q20/123 , G06Q20/36 , G06Q20/381 , G06Q20/3821 , G06Q20/389 , G06Q2220/00
Abstract: Systems and methods for frictionless payments in Web 3.0 and the Metaverse are disclosed. A method may include a buyer bot: monitoring a buyer interaction with a merchant of a digital collectable via a buyer vault/digital wallet, the digital collectable having a cryptocurrency price in a cryptocurrency; determining a fiat currency price in a fiat currency for the cryptocurrency price; receiving, from the buyer vault/digital wallet, conformation of a purchase of the digital collectable at the fiat currency price; executing payment for the digital collectable in the fiat currency at the fiat currency price; transforming the payment in the fiat currency to a digital collectable concierge service designated account; engaging a fiat-to-crypto on-ramp to convert the fiat currency to the cryptocurrency; and providing the payment in the cryptocurrency to a digital collectable smart contract that mints or delivers the digital collectable to the buyer.
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公开(公告)号:US20230274264A1
公开(公告)日:2023-08-31
申请号:US18314541
申请日:2023-05-09
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: John Corwin HUNTER , Umar FAROOQ , Tiffany Ashley WAN , Naveen MALLELA , Christine MOY , Tyrone LOBBAN , Oliver HARRIS , Palka S. PATEL
IPC: G06Q20/38
CPC classification number: G06Q20/381 , G06Q20/389
Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.
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公开(公告)号:US20210264407A1
公开(公告)日:2021-08-26
申请号:US17185629
申请日:2021-02-25
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Keerthi MOUDGAL , George KASSIS , Tyrone LOBBAN , Christine MOY , Umar FAROOQ
Abstract: Systems and methods for space-based transactions are disclosed. A method for conducting a space-based transaction may include: (1) a first space-based device determining that it is incapable or will be incapable of providing the service; (2) the first space-based device identifying a second space-based device; (3) the first space-based device requesting capability information for the second space-based device; (4) the first space-based device that the second space-based device is capable of providing the service based on the capability information; and (5) the first space-based device executing a transaction with the second space-based device, wherein the first space-based device pays the second space-based device for the service by transferring payment from an electronic wallet for the first space-based device to an electronic wallet for the second space-based device on the distributed ledger network, and the second space-based device provides the service to the user.
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公开(公告)号:US20210185021A1
公开(公告)日:2021-06-17
申请号:US17124204
申请日:2020-12-16
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Tyrone LOBBAN , Christine MOY , Tulasi MOVVA , Suresh SHETTY , Debidutta Pruthibiraj SAMANTARAY , Raunak RAJPURIA , You ZHOU
Abstract: Systems and methods for gateway communications between non-distributed ledger systems and distributed ledger systems are disclosed. In one embodiment, a method for gateway communication may include: (1) receiving, at a listener comprising a computer processor and from an application in a first domain, a message for a destination distributed ledger system that is one of a plurality of distributed ledger systems in a second domain; (2) generating, by the listener, a payload for the message, wherein the payload identifies the destination distributed ledger system for the message; and (3) encrypting, by the listener, the payload and passing a payload message comprising the encrypted payload to one of a plurality of adapters in a gateway communication service using an API. The adapter may receive the payload message, decrypt the payload, identifies the destination distributed ledger system, and communicate the decrypted payload to the destination distributed ledger system.
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公开(公告)号:US20230245100A1
公开(公告)日:2023-08-03
申请号:US18296337
申请日:2023-04-05
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Oliver MARGOLIS , Tyrone LOBBAN , Mark AMLIN , Marc-Antoine FICHET , Andrew LOVELL , Paul THOMAS , Viresh MOR , John-Paul Antony CROCKER , Christine MOY
IPC: G06Q20/36
CPC classification number: G06Q20/367
Abstract: Systems and methods for distributed ledger-based settlement are disclosed. In one embodiment, a method may include: receiving settlement instructions from a first party providing a commodity and a second party providing cash; matching the settlement instructions; affirming the matched settlement instructions with the parties; a smart contact sending the affirmed settlement instructions to a commodity clearing bank; the smart contract receiving confirmation of a blockage of the commodity from the commodity clearing bank; the smart contact sending the affirmed settlement instructions to a cash clearing bank; the smart contract receiving confirmation of a blockage of the cash from the cash clearing bank; the smart contract executing the exchange of tokens for the commodity for tokens for the cash; and the smart contract writing the tokens for the cash to a wallet for the first party, and writing tokens for the commodity to a wallet for the second party.
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公开(公告)号:US20210256508A1
公开(公告)日:2021-08-19
申请号:US17174650
申请日:2021-02-12
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Christine MOY , Tyrone LOBBAN , George KASSIS , . VISHAKH , Bhaskar KISHORE , Navkiran ARNEJA
Abstract: Systems and methods for distributed ledger-based identity management are disclosed. In one embodiment, a computer-based method for managing attestations may include: (1) receiving, by a computer program executed by an electronic device for an identity consumer and from an identity provider, a notification from an identity provider server that an attestation is available, wherein the attestation may be generated by the identity provider based on authorization from a system operator and may include a chain of trust comprising an identification of the system operator and the identity provider; (2) requesting, by the computer program, the attestation from the identity provider; and (3) downloading, by the computer program, the attestation to an identity consumer electronic wallet for the identity consumer. The identity provider may commit the downloading of the attestation to a distributed ledger, wherein the distributed ledger maintains a current status for the attestation.
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公开(公告)号:US20210209585A1
公开(公告)日:2021-07-08
申请号:US17087337
申请日:2020-11-02
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Christine MOY , Tyrone LOBBAN , Keerthi MOUDGAL , Stuart HUNTER
Abstract: A gateway interfacing with multiple distributed ledger networks may receive, from a buyer on a first distributed ledger network, a request to purchase an asset in exchange for a cash token, the asset being sold by a seller on a second distributed ledger network and an entry on the second distributed ledger network, and the cash token is an entry on the first distributed ledger network; communicate the request to the seller; receive acceptance of the request from the seller; transfer the asset to an electronic wallet for the buyer by updating ownership of the asset on the second distributed ledger network and on the first distributed ledger network; and transfer the cash token to an electronic wallet for the seller by updating ownership of the cash token on the second distributed ledger network and on the first distributed ledger network.
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