Patents by Inventor Celeste RECHNER
Celeste RECHNER has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
-
Patent number: 11727409Abstract: A limited use temporary credit account is disclosed. The method includes displaying, on a display of a mobile device, a temporary credit account, the temporary credit account correlated with a newly approved non-integrated credit account, the temporary credit account including: a temporary account number; a temporary expiration date; and a temporary security code. Incorporating a time constraint into the temporary credit account displayed on the mobile device, the time constraint limiting an amount of time the temporary credit account is displayed on the mobile device and limiting an amount of time the temporary credit account is available for making a purchase. Integrating a credit limit reduction into the temporary credit account displayed on the mobile device, the credit limit reduction reducing an available credit on the temporary credit account to an amount less than a credit available on the newly approved non-integrated credit account.Type: GrantFiled: October 12, 2021Date of Patent: August 15, 2023Assignee: BREAD FINANCIAL PAYMENTS, INC.Inventors: Timothy D. Pontious, Celeste Rechner
-
Patent number: 11526884Abstract: A system and method for mobile device verification for an electronic application before providing a digital pass to an approved customer is disclosed. The method and system receives, at a store's customer credit application computer, an application for a new account, the application including a contact information for a customer's mobile device providing, from the store's customer credit application computer, the contact information for the customer's mobile device to a verification system to authenticate the customer's mobile device providing, from a credit account provider, a text to the customer's mobile device, the text causing the customer's mobile device to be subjected to a second authentication; receiving, at the customer's mobile device, a message that includes a link to the digital pass; and utilizing the link to receive the digital pass at a mobile wallet of the customer's mobile device.Type: GrantFiled: January 3, 2020Date of Patent: December 13, 2022Assignee: BREAD FINANCIAL PAYMENTS, INCInventors: Uchenna Chilaka, Timothy Jones, Timothy D. Pontious, Celeste Rechner
-
Patent number: 11361317Abstract: In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.Type: GrantFiled: December 12, 2019Date of Patent: June 14, 2022Assignee: Comenity LLCInventors: Christian Billman, Uchenna Chilaka, Christina Mosholder, Randall Piatt, Timothy D. Pontious, Tom Pugh, Celeste Rechner
-
Publication number: 20220036453Abstract: A limited use temporary credit account is disclosed. The method includes displaying, on a display of a mobile device, a temporary credit account, the temporary credit account correlated with a newly approved non-integrated credit account, the temporary credit account including: a temporary account number; a temporary expiration date; and a temporary security code. Incorporating a time constraint into the temporary credit account displayed on the mobile device, the time constraint limiting an amount of time the temporary credit account is displayed on the mobile device and limiting an amount of time the temporary credit account is available for making a purchase. Integrating a credit limit reduction into the temporary credit account displayed on the mobile device, the credit limit reduction reducing an available credit on the temporary credit account to an amount less than a credit available on the newly approved non-integrated credit account.Type: ApplicationFiled: October 12, 2021Publication date: February 3, 2022Applicant: Comenity LLCInventors: Timothy D. Pontious, Celeste Rechner
-
Publication number: 20210117969Abstract: A system and method for mobile device verification for an electronic application before providing a digital pass to an approved customer is disclosed. The method and system receives, at a store's customer credit application computer, an application for a new account, the application including a contact information for a customer's mobile device providing, from the store's customer credit application computer, the contact information for the customer's mobile device to a verification system to authenticate the customer's mobile device providing, from a credit account provider, a text to the customer's mobile device, the text causing the customer's mobile device to be subjected to a second authentication; receiving, at the customer's mobile device, a message that includes a link to the digital pass; and utilizing the link to receive the digital pass at a mobile wallet of the customer's mobile device.Type: ApplicationFiled: January 3, 2020Publication date: April 22, 2021Applicant: Comenity LLCInventors: Uchenna CHILAKA, Timothy JONES, Timothy D. PONTIOUS, Celeste RECHNER
-
Publication number: 20200380509Abstract: In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.Type: ApplicationFiled: December 12, 2019Publication date: December 3, 2020Applicant: Comenity LLCInventors: Christian BILLMAN, Uchenna CHILAKA, Christina MOSHOLDER, Randall PIATT, Timothy D. PONTIOUS, Tom PUGH, Celeste RECHNER
-
Publication number: 20200098041Abstract: A system for determining attribution for an electronic credit application is disclosed. The system receives, via an Internet connection, an electronic credit application for a new credit account, the application includes customer identification information provided by the customer. The system also receives application location information related to the electronic credit application for the new credit account, the application location information obtained from an electronic device, which is not provided by the customer and replaces any application location information provided by the customer. The system additionally receives associate identification information related to the electronic credit application for the new credit account, and associate identification information obtained from sources other than the customer's keyed input. The system determines at least one attribution based on the received information.Type: ApplicationFiled: September 23, 2019Publication date: March 26, 2020Applicant: Comenity LLCInventors: Jess LAWRENCE, Timothy D. PONTIOUS, Christina MOSHOLDER, Christian BILLMAN, Uchenna CHILAKA, Celeste RECHNER, Timothy JONES
-
Publication number: 20180330383Abstract: A limited use temporary credit account is disclosed. The method includes displaying, on a display of a mobile device, a temporary credit account, the temporary credit account correlated with a newly approved non-integrated credit account, the temporary credit account including: a temporary account number; a temporary expiration date; and a temporary security code. Incorporating a time constraint into the temporary credit account displayed on the mobile device, the time constraint limiting an amount of time the temporary credit account is displayed on the mobile device and limiting an amount of time the temporary credit account is available for making a purchase. Integrating a credit limit reduction into the temporary credit account displayed on the mobile device, the credit limit reduction reducing an available credit on the temporary credit account to an amount less than a credit available on the newly approved non-integrated credit account.Type: ApplicationFiled: October 19, 2017Publication date: November 15, 2018Applicant: Comenity LLCInventors: Timothy D. PONTIOUS, Celeste RECHNER
-
Publication number: 20180053252Abstract: Mobile credit acquisition with form population is disclosed. The system includes a user specific information engine to receive a device identifier associated with a user's mobile device and a user identifier for a user of the user's mobile device. The user specific information engine using the device identifier and the user identifier to search for user specific information useable to populate an application form for a credit account. The search includes a proprietary database search for the user specific information, and a secondary source database search for the user specific information. The system utilizes an incentive provider to populate the application form for the credit account with found user specific information and provides the populated application form for the credit account to the user via the user's mobile device.Type: ApplicationFiled: November 2, 2016Publication date: February 22, 2018Applicant: Comenity LLCInventors: Adam KOLTNOW, Celeste RECHNER, Tim PONTIOUS