Patents by Inventor David Fleischl

David Fleischl 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).

  • Method and apparatus to process combined credit and debit card transactions
    Patent number: 6038552
    Abstract: A method and apparatus for executing a transaction using a credit card includes the steps of: maintaining a credit card account associated with the credit card, the credit card account having a credit limit and a transaction balance indicative of an aggregate of previously authorized transaction amounts in a predetermined period; maintaining a cash account associated with the credit card, the cash account having a cash balance; receiving a request for authorization for a new transaction amount against the credit card account in exchange for goods or services; and authorizing the requested transaction amount when the aggregate of the credit limit and cash balance less the transaction balance exceeds the requested transaction amount.
    Type: Grant
    Filed: December 10, 1997
    Date of Patent: March 14, 2000
    Assignee: The Chase Manhattan Bank
    Inventors: David Fleischl, Paul Hemminger, John Guido