公开(公告)号：US20240311789A1

公开(公告)日：2024-09-19

申请号：US18182909

申请日：2023-03-13

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： Rasik GOYAL ,  Nikunj TANNA ,  Ashish P. AJMERA ,  Sanjay DURGADIN ,  Riti SINGHAL ,  Prashant G. PARANJAPE ,  Selva DHARMARAJ ,  Josh BERGER ,  Tushar MISHRA ,  Sean RODWELL-SIMON ,  Shashank AITHALA ,  Hari Kishore CHITNENI ,  Lakshminarayana BAYAPAREDDY ,  Rajendra HEBBATAM

IPC: G06Q20/20 ,  G06Q20/22 ,  G06Q20/34 ,  G06Q20/36

CPC classification number: G06Q20/204 ,  G06Q20/29 ,  G06Q20/351 ,  G06Q20/367 ,  G06Q2220/00

Abstract: Systems and methods for efficient presentation of payment options at point of sale devices are disclosed. A method may include: identifying a plurality of stored or provisioned payment cards in customer wallets for a merchant; (2) pre-qualifying each of the customers associated with the stored/provisioned payment cards for one or more installment payment options for a purchase from the merchant; and (3) communicating a list of token reference identifiers for stored/provisioned payment cards that have been pre-qualified and the one or more pre-qualified installment payment options to a merchant computer program executed by a merchant backend, wherein the merchant computer program receives a token reference identifier for a stored or provisioned payment card in one of the customer wallets, determines that the token reference identifier is on the list of pre-qualified token reference identifiers, and presents the one or more installment payment options in a checkout user interface.