Patents by Inventor Hans Shumacher

Hans Shumacher 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).

  • BUDGET ENVELOPE CREDIT CARD
    Publication number: 20100057574
    Abstract: Apparatus and methods for providing a budget envelope credit card are provided. An apparatus according to the invention may include a budget envelope credit card software engine and a rewards software engine that provides a reward scheme for use by the budget envelope credit card engine, the rewards scheme that defines a reward frequency.
    Type: Application
    Filed: August 28, 2008
    Publication date: March 4, 2010
    Applicant: Bank of America
    Inventors: Sudeshna Banerjee, Debashis Ghosh, David N. Joffe, Hans Shumacher, Sreedevi Gummuluri, Jeff Carter, Nicholas Halpern, Dan Ariely
  • SYSTEMS AND METHODS FOR PROVIDING A CONSUMPTION NETWORK
    Publication number: 20090327308
    Abstract: Systems and methods for providing a consumption network are provided. A method according to the invention may include receiving purchase information on a mobile device and recording the purchasing information. The information may be transmitted to a central database. At the central database, the information may be recorded and transmitted from the central database to a pre-determined group of users. Alternatively, the information may be transmitted to a group of users directly from the mobile phone associated with the purchasing.
    Type: Application
    Filed: October 2, 2008
    Publication date: December 31, 2009
    Applicant: Bank of America
    Inventors: Samuel J. Carter, Kwan H. Lee, Dawei Shen, Hans Shumacher, Ray Garcia, Erik S. Ross