From the USPTO PAIR database, "By this preliminary Amendment, claims 1-154 have been canceled..."
154 claims canceled?!? Typical patents have around 21 claims. USPTO charges per-claim over 21 total claims. JP Morgan's application had 170 claims — way beyond even a 3-sigma deviation for all patent applications. That is, it's amateurish. But, somehow they managed to avoid paying the $80/each for the excess claims. Most rejections were nominally due to the claims being "too abstract."
So, anyways, from the USPTO PAIR database — JP Morgan are claiming that their filing is under pre-AIA conditions. That is, that they are first to invent, and are not subject to the current first to file rules. Big difference. The inventor filed an "oath" regarding the invention date. Uh huh. USPTO also says, "Claims 155-175 are allowed over the prior art of record based on the earliest priority of the parent applications." I couldn't find the priority date that they are claiming, or whether it is before their filing date, but one might guess they are trying to get a pre-BitCoin patent priority date. Jerks. Once a patent is allowed and issued, any challenge to their priority would face a high hurdle, and would be expensive to prosecute.
If only someone knew of some actual prior art, and that this person also knew the name and contact information for the patent examiner. Hmmn...
Ah, here we are: From their non-final rejection, "Any inquiry concerning this communication or earlier communications from the examiner should be directed to JAGDISH PATEL whose telephone number is (571) 272-6748." I'm sure he has an email address as well.
Good luck, and if no one here is willing to help nuke this, I'll send it over to the 4chan trogs.
Last, below is the Public PAIR filing-documents web address. Go there and search for "Publication Number" 20130317984. Click the "Image File Wrapper" tab to see PDFs of all communications between JP Morgan and the USPTO. Happy hunting!