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, NY1971

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barrett, Donna M Wilmington, DE 3 235
Ehemann, Karen R Newark, DE 3 235
Schmitt, Donald H Greenville, DE 10 333
Warren, Mary Carter Baltimore, MD 3 235

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* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (4)
* 2009/0089,205 AUTOMATED QUALIFYING OF A CUSTOMER TO RECEIVE A CASH LOAN AT AN AUTOMATED TELLER MACHINE 14 2007
* 2008/0243,722 Method and process for facilitating donations via debt instruments 0 2007
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* 2013/0166,324 SYSTEM AND METHOD FOR A COMBINATION GROUP AND INDIVIDUAL TRAVEL INSURANCE PROGRAM 1 2011
 
United Services Automobile Association (USAA) (1)
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CAPITAL ONE FINANCIAL CORPORATION (2)
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FIRST USA MANAGEMENT SERVICES, INC. (1)
8,793,160 System and method for processing transactions 0 2003
 
JPMORGAN CHASE BANK, N.A. (14)
7,689,504 System and method for establishing or modifying an account with user selectable terms 39 2002
8,290,862 Method and system for expediting payment delivery 1 2004
8,290,863 Method and system for expediting payment delivery 1 2005
7,734,545 Method and system for processing recurring payments 36 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 8 2006
7,766,244 System and method for processing transactions using a multi-account transactions device 40 2007
8,590,008 System and method for single sign on process for websites with multiple applications and services 0 2008
8,622,308 System and method for processing transactions using a multi-account transactions device 0 2009
9,240,089 Systems and methods for time variable financial authentication 0 2009
8,459,562 System and method for processing transactions using a multi-account transactions device 2 2009
8,447,670 Universal payment protection 1 2009
7,904,388 Method and system for processing recurring payments 0 2010
8,473,395 Universal payment protection 1 2011
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* Cited By Examiner