Patents by Inventor Catherine J. Campanaro

Catherine J. Campanaro 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 method for calculating recommended charge limits
    Patent number: 7314166
    Abstract: The invention facilitates the compilation of client-imposed charge or credit limit reports based on declined purchase and/or payment transactions. The invention provides a system and method by which an account manager for a financial institution and/or a client program administrator company may perform analysis of spending patterns for cardmembers in order to determine an optimal client-imposed credit limit in order to reduce the occurrences of declined charge or credit transactions. An account manager for a financial institution and/or a client program administrator may use the limits report to persuade a cardmember to increase the client-imposed credit limit to a recommended level, thereby reducing the cardmember's inconvenience cased by declined purchase transactions while recapturing lost revenues by the card issuer also resulting from declined purchase transactions.
    Type: Grant
    Filed: April 1, 2005
    Date of Patent: January 1, 2008
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Gordon Emory Anderson, Catherine J. Campanaro, William Gaines Coomer, Michael Gregory James, Aniruddha V. Khandekar, Sangarsh Nigam, Gary West
  • System and method for calculating expected approval rates
    Patent number: 7309008
    Abstract: The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions.
    Type: Grant
    Filed: October 23, 2006
    Date of Patent: December 18, 2007
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Gordon Emory Anderson, Catherine J Campanaro, David S Connelly, Sanjay Madaan, Kevin L Moore, Sangarsh Nigam, Yulona Sue Wong
  • System and method for calculating expected approval rates
    Patent number: 7143936
    Abstract: The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions.
    Type: Grant
    Filed: February 9, 2005
    Date of Patent: December 5, 2006
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Gordon Emory Anderson, Catherine J. Campanaro, David S. Connelly, Sanjay Madaan, Kevin L. Moore, Sangarsh Nigam, Yulona Sue Wong