Patents by Inventor Keira Brooke Bard

Keira Brooke Bard 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).

  • System and Methods for Providing Starter Credit Card Accounts
    Publication number: 20140236807
    Abstract: A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a credit card issuer to identify a group of customers that may not eligible to obtain standard credit card products offered by the credit card issuer. The credit card issuer may rank these customers and present offers for starter credit card accounts with adjusted account parameters tailored to these customers. The credit card issuer monitors the activities of each starter card account during a trial period to determine whether each respective account has met predetermined criteria. Based on the results of the monitor process, the credit card issuer may adjust the parameters associated with each starter credit card account.
    Type: Application
    Filed: March 24, 2014
    Publication date: August 21, 2014
    Applicant: Capital One Financial Corporation
    Inventors: Keira Brooke Bard, Jeremy Paul Clifford, Scott Dalla Valle, Nathan Tad Czyzeswki, Baskaran Nadarajah, Peter Lackey, Wayne Thomas Sanchez, Brian George Pilko
  • System and methods for providing starter credit card accounts
    Patent number: 8706617
    Abstract: A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a credit card issuer to identify a group of customers that may not eligible to obtain standard credit card products offered by the credit card issuer. The credit card issuer may rank these customers and present offers for starter credit card accounts with adjusted account parameters tailored to these customers. The credit card issuer monitors the activities of each starter card account during a trial period to determine whether each respective account has met predetermined criteria. Based on the results of the monitor process, the credit card issuer may adjust the parameters associated with each starter credit card account.
    Type: Grant
    Filed: March 25, 2013
    Date of Patent: April 22, 2014
    Assignee: Capital One Financial Corporation
    Inventors: Keira Brooke Bard, Jeremy Paul Clifford, Scott Dalla Valle, Nathan Tad Czyzeswki, Baskaran Nadarajah, Peter Lackey, Wayne Thomas Sanchez, Brian George Pilko
  • System and methods for providing starter credit card accounts
    Patent number: 8407136
    Abstract: A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a credit card issuer to identify a group of customers that may not eligible to obtain standard credit card products offered by the credit card issuer. The credit card issuer may rank these customers and present offers for starter credit card accounts with adjusted account parameters tailored to these customers. The credit card issuer monitors the activities of each starter card account during a trial period to determine whether each respective account has met predetermined criteria. Based on the results of the monitor process, the credit card issuer may adjust the parameters associated with each starter credit card account.
    Type: Grant
    Filed: June 15, 2001
    Date of Patent: March 26, 2013
    Assignee: Capital One Financial Corporation
    Inventors: Keira Brooke Bard, Jeremy Paul Clifford, Scott Dalla Valle, Nathan Tad Czyzeswki, Baskaran Nadarajah, Peter Lackey, Wayne Thomas Sanchez, Brian George Pilko
  • System and methods for providing starter credit card accounts
    Publication number: 20030046222
    Abstract: A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a credit card issuer to identify a group of customers that may not eligible to obtain standard credit card products offered by the credit card issuer. The credit card issuer may rank these customers and present offers for starter credit card accounts with adjusted account parameters tailored to these customers. The credit card issuer monitors the activities of each starter card account during a trial period to determine whether each respective account has met predetermined criteria. Based on the results of the monitor process, the credit card issuer may adjust the parameters associated with each starter credit card account.
    Type: Application
    Filed: June 15, 2001
    Publication date: March 6, 2003
    Inventors: Keira Brooke Bard, Jeremy Paul Clifford, Scott Dalla Valle, Nathan Tad Czyzeswki, Baskaran Nadarajah, Peter Lackey, Wayne Thomas Sanchez, Brian George Pilko