Patents by Inventor Gregory Joseph Phillips
Gregory Joseph Phillips 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).
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Patent number: 8065225Abstract: A computer-implemented method for processing an application for a mortgage loan, such that the mortgage loan is configured to include a set of financial lending requirements and further include certain financial lending risks associated with financing the mortgage loan. The steps of the method include receiving the mortgage loan application, processing the mortgage loan application through an electronic database, applying the set of financial lending requirements to the mortgage loan application, generating a listing of at least one eligible lender or loan product based on the application of the financial lending requirements to the mortgage loan application, and submitting the mortgage loan application to the eligible lender, the mortgage loan being configured such that the financial lending risks are configured to be absorbed by a secondary mortgage market investor.Type: GrantFiled: September 18, 2007Date of Patent: November 22, 2011Assignee: Fannie MaeInventors: Harold Lewis, Jr., Tracey G. Amos, Eric Ronald Anders, Nitirwork Armstrong, Sidney Vince Credle, Jr., Terri Lynn Davis, Thomas L. King, Gregory Joseph Phillips, Robert John Sahadi
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Patent number: 8005756Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: August 16, 2010Date of Patent: August 23, 2011Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
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Publication number: 20100312699Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: ApplicationFiled: August 16, 2010Publication date: December 9, 2010Applicant: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
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Patent number: 7818253Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: July 20, 2007Date of Patent: October 19, 2010Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7809642Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: February 17, 2006Date of Patent: October 5, 2010Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Jones
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Patent number: 7809643Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: October 31, 2007Date of Patent: October 5, 2010Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7805368Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: May 31, 2007Date of Patent: September 28, 2010Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7747463Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: April 21, 2008Date of Patent: June 29, 2010Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7363273Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: November 15, 2004Date of Patent: April 22, 2008Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7174316Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: November 15, 2004Date of Patent: February 6, 2007Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7174315Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: November 15, 2004Date of Patent: February 6, 2007Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7174314Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: November 15, 2004Date of Patent: February 6, 2007Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7174317Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: November 15, 2004Date of Patent: February 6, 2007Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7171388Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: November 15, 2004Date of Patent: January 30, 2007Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
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Patent number: 7130828Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: September 26, 2003Date of Patent: October 31, 2006Assignee: JPMorgan Chase Bank, N.A.Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
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Patent number: 6892187Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: May 20, 2003Date of Patent: May 10, 2005Assignee: Bank One, Delaware, National AssociationInventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
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Publication number: 20040064412Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: ApplicationFiled: September 26, 2003Publication date: April 1, 2004Applicant: Bank One, Delaware, National AssociationInventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
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Publication number: 20030195849Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: ApplicationFiled: May 20, 2003Publication date: October 16, 2003Applicant: Bank One, Delaware, National AssociationInventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
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Patent number: 6615189Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.Type: GrantFiled: June 22, 1998Date of Patent: September 2, 2003Assignee: Bank One, Delaware, National AssociationInventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines