US Patent Application No: 2007/0118,470

Number of patents in Portfolio can not be more than 2000

System and Method for Establishing or Modifying an Account With User Selectable Terms

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Abstract

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The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1959

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barrett, Donna M Wilmington, DE 3 249
Ehemann, Karen R Newark, DE 3 249
Schmitt, Donald H Greenville, DE 10 351
Warren, Mary Carter Baltimore, MD 3 249

Cited Art Landscape

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* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (5)
* 2009/0089,205 AUTOMATED QUALIFYING OF A CUSTOMER TO RECEIVE A CASH LOAN AT AN AUTOMATED TELLER MACHINE 17 2007
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CAPITAL ONE FINANCIAL CORPORATION (2)
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VISA INTERNATIONAL SERVICE ASSOCIATION (2)
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JPMORGAN CHASE BANK, N.A. (14)
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8,290,863 Method and system for expediting payment delivery 1 2005
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8,459,562 System and method for processing transactions using a multi-account transactions device 3 2009
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* Cited By Examiner