Patents by Inventor Barbara S. Johnson

Barbara S. Johnson 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).

  • Automated payment
    Patent number: 6941281
    Abstract: Systems and methods for automated loan repayment involve utilizing consumer payment authorization, clearing, and settlement systems to allow a merchant to reduce an outstanding loan amount. After a customer identifier (e.g., a credit, debit, smart, charge, payment, etc. card account number) is accepted as payment from the customer, information related to the payment is forwarded to a merchant processor. The merchant processor acquires the information related to the payment, processes that information, and forwards at least a portion of the payment to a loan repayment receiver as repayment of at least a portion of the outstanding loan amount owed by the merchant. The loan repayment receiver receives the portion of the payment forwarded by the merchant processor and applies that portion to the outstanding loan amount owed by the merchant to reduce that outstanding loan amount.
    Type: Grant
    Filed: July 20, 1999
    Date of Patent: September 6, 2005
    Assignee: Advanceme, Inc.
    Inventor: Barbara S. Johnson
  • Automated loan repayment
    Patent number: 6826544
    Abstract: Systems and methods for automated loan repayment involve utilizing consumer payment authorization, clearing, and settlement systems to allow a merchant to reduce an outstanding loan amount. After a customer identifier (e.g., a credit, debit, smart, charge, payment, etc. card account number) is accepted as payment from the customer, information related to the payment is forwarded to a merchant processor. The merchant processor acquires the information related to the payment, processes that information, and forwards at least a portion of the payment to a loan repayment receiver as repayment of at least a portion of the outstanding loan amount owed by the merchant. The loan repayment receiver receives the portion of the payment forwarded by the merchant processor and applies that portion to the outstanding loan amount owed by the merchant to reduce that outstanding loan amount.
    Type: Grant
    Filed: July 9, 1997
    Date of Patent: November 30, 2004
    Assignee: Advanceme, Inc.
    Inventor: Barbara S. Johnson
  • Display board for a grocery list
    Patent number: D364647
    Type: Grant
    Filed: November 10, 1994
    Date of Patent: November 28, 1995
    Inventor: Barbara S. Johnson