Patents by Inventor Jay Ludlam

Jay Ludlam 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).

  • On-line balance transfers
    Patent number: 8010422
    Abstract: A system and method are disclosed for online transfer of a balance from a first credit account associated with an account holder to a second credit account associated with the account holder. Account data associated with the first credit account is obtained. The account data comprises at least the financial institution with which the first credit account is held. A determination is made as to whether the financial institution with which the first credit account is held is related to the financial institution with which the second credit account is held. The first credit account is identified as being not eligible for a balance transfer to the second credit account if it is determined that the first credit account is held with a financial institution that is related to the financial institution with which the second credit account is held.
    Type: Grant
    Filed: November 13, 2001
    Date of Patent: August 30, 2011
    Assignee: Nextcard, LLC
    Inventors: Scott Lascelles, Jay Ludlam, Ricky Chang, Eric R. Meeks