Method and system for providing flexible financing

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8095459
APP PUB NO 20100114779A1
SERIAL NO

12686498

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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Methods and systems for providing flexible financing are disclosed. In one embodiment, the present invention relates to a business card product with a customer activated credit line extension for accommodating large ticket purchases where the credit line extension may be linked to other business loan/lease products so that balances may be transferred to a customer's preferred financing product (or products). The purchases may be considered secured or unsecured loans/leases that may be capitalized as well as appreciate and depreciate in value. The purchases may include various types of revenue producing property, such as computer, office equipment, office furniture, copiers, farm equipment, and other types of revenue producing property.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1994

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Noles, Michael K West Chester, US 2 33

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 365 1994
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INTERNATIONAL BUSINESS MACHINES CORPORATION (10)
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2003/0154,125 Pesonalisation of promotional offers 91 2001
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AT&T CORP. (4)
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* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
ORANGE (2)
* 8422652 Device and method for managing communication credits associated to use of services by a terminal 0 2006
* 2009/0092,238 Device and Method for Managing Communication Credits Associated to Use of Services by a Terminal 6 2006
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Jul 10, 2019
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 10, 2023
Fee Large entity fee small entity fee micro entity fee
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