US Patent Issued to JPMORGAN CHASE BANK on July 14 for "Systems and methods for using mobile wallets as user identifiers" (Pennsylvania Inventor)

ALEXANDRIA, Va., July 14 -- United States Patent no. 12,682,705, issued on July 14, was assigned to JPMORGAN CHASE BANK N.A. (New York).

"Systems and methods for using mobile wallets as user identifiers" was invented by Brian James Smyth (West Chester, Pa.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method may include: storing, by a user device, a token for a financial instrument, wherein an issuing financial institution stores an association between the financial instrument and a partner loyalty identifier or a ticket identifier; communicating, by the user device and as part of an access request, the token to a sensor, wherein the sensor is associated with an access restrictor for an area; communicatin...