System and method for providing instant-decision, financial network-based payment cards
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Sep 27, 2011
Grant Date -
May 6, 2010
app pub date -
Jan 5, 2010
filing date -
Jul 25, 2003
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A system and method for issuance of a financial network-based payment card (generally known as a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application. If the application is approved, data is generated and delivered to a card production system, which embosses and magnetically encodes a card blank. The card is then delivered to the applicant.

First Claim
Family

- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
Patent Owner | Address | Total Patents |
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JPMORGAN CHASE BANK, N.A. | NEW YORK, NY | 2024 |
International Classification(s)

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- [Patents Count]
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
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Levinson, Ronald | Tampa, US | 3 | 15 |
Sabharwal, Mohit | New York, US | 5 | 153 |
White, Brigette A | Cortlandt Manor, US | 5 | 52 |
Cited Art Landscape
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Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
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7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Mar 27, 2019 |
11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Mar 27, 2023 |
Fee | Large entity fee | small entity fee | micro entity fee |
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Surcharge - 7.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
Surcharge - 11.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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