Patents by Inventor Charles Rosenblatt

Charles Rosenblatt 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).

  • Patent number: 10163081
    Abstract: A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days.
    Type: Grant
    Filed: May 19, 2014
    Date of Patent: December 25, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Charles A. Rosenblatt, Tyler C. Hobbs, Frank L. Rotman
  • Publication number: 20180012296
    Abstract: Systems and methods are disclosed for offering a credit card account to a consumer at a point-of-sale location. The systems and methods may include offering a product to the consumer at the point-of-sale location. In addition, the systems and methods may include offering a credit card account to the consumer at the point-of-sale location. Moreover, the product offer may be conditioned based on the consumer's acceptance of the credit card account, fees allocating charges associated with the product may be required to be charged to the credit card account. The fees allocating charges associated with the product may comprise periodic subscription fees associated with the product's use.
    Type: Application
    Filed: September 22, 2017
    Publication date: January 11, 2018
    Inventors: Charles A. Rosenblatt, Jack M. Forestell
  • Publication number: 20140258105
    Abstract: A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days.
    Type: Application
    Filed: May 19, 2014
    Publication date: September 11, 2014
    Applicant: Capital One Financial Corporation
    Inventors: Charles A. ROSENBLATT, Tyler C. HOBBS, Frank L. ROTMAN
  • Patent number: 8762262
    Abstract: A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days.
    Type: Grant
    Filed: September 6, 2002
    Date of Patent: June 24, 2014
    Assignee: Capital One Financial Corporation
    Inventors: Charles A. Rosenblatt, Tyler C. Hobbs, Frank L. Rotman
  • Patent number: 8381971
    Abstract: According to certain embodiments of the present invention, systems and methods are provided for providing a consumer with a rebate on purchases, which are made, for example, at a merchant. The rebate may be in a variety of forms. According to one aspect the rebate may be a reduction in the purchase price associated with a transaction. According to another aspect the rebate may be in the form of cash or an item having value being delivered to the consumer. The rebate may be provided at the Point of Sale. The rebate may be determined by a number of different criteria including purchase price, transaction frequency, predetermined time intervals, consumer loyalty, Point of Sale location, or any combination of these and other criteria.
    Type: Grant
    Filed: June 30, 2005
    Date of Patent: February 26, 2013
    Assignee: Capital One Financial Corporation
    Inventors: Gregory W. Lambert, Alice K. Wheeler, Charles A. Rosenblatt
  • Patent number: 7753261
    Abstract: Methods and systems are disclosed for automatically preventing delinquency of payment on financial accounts. In one implementation, methods or systems may be provided for associating a credit cardholder's account to the cardholder's bank account. If the cardholder fails to make a required monthly payment on the credit card account, the required payment is automatically withdrawn from the bank account prior to credit card account being reported as delinquent.
    Type: Grant
    Filed: June 28, 2005
    Date of Patent: July 13, 2010
    Assignee: Capital One Financial Corporation
    Inventors: Charles Rosenblatt, Frank Rotman, Vikas Goel
  • Patent number: 7559465
    Abstract: Systems and methods for providing gifts are described. In one exemplary embodiment, the systems and methods may include receiving financial card distribution information from a consumer, wherein the financial card distribution information identifies at least one recipient for a financial card and a predetermined delivery time for providing the financial card to the recipient, storing the financial card distribution information in a database, such that the stored financial card distribution information is associated with the consumer, and preparing a communication to the recipient to provide the financial card to the recipient at the predetermined delivery time.
    Type: Grant
    Filed: August 14, 2007
    Date of Patent: July 14, 2009
    Assignee: Capital One Financial Corporation
    Inventor: Charles A. Rosenblatt
  • Publication number: 20070284439
    Abstract: Systems and methods for providing gifts are described. In one exemplary embodiment, the systems and methods may include receiving financial card distribution information from a consumer, wherein the financial card distribution information identifies at least one recipient for a financial card and a predetermined delivery time for providing the financial card to the recipient, storing the financial card distribution information in a database, such that the stored financial card distribution information is associated with the consumer, and preparing a communication to the recipient to provide the financial card to the recipient at the predetermined delivery time.
    Type: Application
    Filed: August 14, 2007
    Publication date: December 13, 2007
    Applicant: Capital One Financial Corporation
    Inventor: Charles Rosenblatt
  • Patent number: 7270263
    Abstract: Systems and methods for providing gifts are described. In one exemplary embodiment, the systems and methods may include receiving financial card distribution information from a consumer, wherein the financial card distribution information identifies at least one recipient for a financial card and a predetermined delivery time for providing the financial card to the recipient, storing the financial card distribution information in a database, such that the stored financial card distribution information is associated with the consumer, and preparing a communication to the recipient to provide the financial card to the recipient at the predetermined delivery time.
    Type: Grant
    Filed: March 10, 2004
    Date of Patent: September 18, 2007
    Assignee: Capital One Financial Corporation
    Inventor: Charles A. Rosenblatt
  • Publication number: 20070080212
    Abstract: Systems, methods, and computer-readable media provide mechanisms to provide an additional financial card product to a cardholder or customer at various times during the year. The additional financial card product may be associated with a primary financial card product of the cardholder. In one embodiment, the method may comprise identifying the cardholder, determining a target time to send the additional financial card product to the cardholder, defining one or more attributes associated with the additional financial card product, and sending the cardholder the additional financial card product at the target time.
    Type: Application
    Filed: November 3, 2005
    Publication date: April 12, 2007
    Inventors: Charles Rosenblatt, Joseph Wall
  • Publication number: 20070005464
    Abstract: Systems, methods, and computer-readable media provide mechanisms to manage a financial account of a cardholder by defining one or more attributes associated with the financial account. The one or more attributes comprising information on one or more incentives for a billing statement for the financial account. A cardholder or other individual associated with the financial account may then be sent the billing statement, wherein the billing statement includes one or more incentives, such as incentives for one or more children of the cardholder or other individuals related to the cardholder (such as a spouse, a grandparent, etc.). The incentives may be conditioned on and used for encouraging timely payment by the cardholder.
    Type: Application
    Filed: June 29, 2005
    Publication date: January 4, 2007
    Inventors: Charles Rosenblatt, Jenifer Meehan
  • Publication number: 20070000997
    Abstract: According to certain embodiments of the present invention, systems and methods are provided for providing a consumer with a rebate on purchases, which are made, for example, at a merchant. The rebate may be in a variety of forms. According to one aspect the rebate may be a reduction in the purchase price associated with a transaction. According to another aspect the rebate may be in the form of cash or an item having value being delivered to the consumer. The rebate may be provided at the Point of Sale. The rebate may be determined by a number of different criteria including purchase price, transaction frequency, predetermined time intervals, consumer loyalty, Point of Sale location, or any combination of these and other criteria.
    Type: Application
    Filed: June 30, 2005
    Publication date: January 4, 2007
    Inventors: Gregory Lambert, Alice Wheeler, Charles Rosenblatt
  • Publication number: 20070000996
    Abstract: According to certain embodiments of the present invention, systems and methods are provided for providing a consumer with a rebate on purchases, which are made, for example, at a merchant. The rebate may be in a variety of forms. According to one aspect the rebate may be a reduction in the purchase price associated with a transaction. According to another aspect the rebate may be in the form of cash or an item having value being delivered to the consumer. The rebate may be provided at the Point of Sale. The rebate may be determined by a number of different criteria including purchase price, transaction frequency, predetermined time intervals, consumer loyalty, Point of Sale location, or any combination of these and other criteria.
    Type: Application
    Filed: June 30, 2005
    Publication date: January 4, 2007
    Inventors: Gregory Lambert, Alice Wheeler, Charles Rosenblatt
  • Publication number: 20070005466
    Abstract: Methods, systems, and articles of manufacture consistent with embodiments of the present invention may receive information associated with providing an intangible reward from a vendor to a customer when the customer has a payment provider make a payment to the vendor, such as on a recurring basis.
    Type: Application
    Filed: June 30, 2005
    Publication date: January 4, 2007
    Inventors: Charles Rosenblatt, Emil Phillips
  • Publication number: 20060293983
    Abstract: Methods and systems are disclosed for automatically preventing delinquency of payment on financial accounts. In one implementation, methods or systems may be provided for associating a credit cardholder's account to the cardholder's bank account. If the cardholder fails to make a required monthly payment on the credit card account, the required payment is automatically withdrawn from the bank account prior to credit card account being reported as delinquent.
    Type: Application
    Filed: June 28, 2005
    Publication date: December 28, 2006
    Inventors: Charles Rosenblatt, Frank Rotman, Vikas Goel
  • Publication number: 20060249575
    Abstract: Transaction card comprising a substrate having a front face and a back face, a first magnetic stripe for storing data associated with a credit account, the first magnetic stripe being located along an edge of the back face, a second magnetic stripe for storing data associated with a rewards account, the second magnetic stripe being located along another edge of the back face, and account information located on the front face, the account information being associated with the credit account and the rewards account.
    Type: Application
    Filed: July 7, 2006
    Publication date: November 9, 2006
    Inventors: Jessica Turner, Robert Greenberg, Chitra Jain, Eric Fox, Charles Rosenblatt
  • Publication number: 20060027647
    Abstract: A transaction card, including a substrate having a front face and a back face, a first magnetic stripe for storing data associated with a credit account, the first magnetic stripe being located along an edge of the back face, a second magnetic stripe for storing data associated with a rewards account, the second magnetic stripe being located along another edge of the back face, and account information located on the front face, the account information being associated with the credit account and the rewards account.
    Type: Application
    Filed: September 29, 2005
    Publication date: February 9, 2006
    Inventors: Michele Deane, Clyde Edmonds, Charles Rosenblatt
  • Publication number: 20060004655
    Abstract: Method for processing a transaction, the method comprising automatically requesting a transfer from a source account to a destination account via a communication link, receiving the transfer, adjusting destination account data associated with the destination account by increasing a balance of the destination account by an amount of the transfer, receiving transaction data from a merchant indicating an attempted transaction, the transaction data including a transaction amount and data identifying the destination account, and processing the attempted transaction.
    Type: Application
    Filed: June 30, 2005
    Publication date: January 5, 2006
    Applicant: Capital One Financial Corporation
    Inventors: Robert Alexander, Charles Rosenblatt, Daniel O'Malley, Scott Grimes
  • Publication number: 20050246289
    Abstract: Method for processing a transaction, the method comprising automatically requesting an automated clearing house transfer from a source account to a destination account via an automated clearing house network, receiving the automated clearing house transfer, adjusting destination account data associated with the destination account by increasing a balance of the destination account by an amount of the transfer, receiving transaction data from a merchant indicating an attempted transaction, the transaction data including a transaction amount and data identifying the destination account, processing the attempted transaction with a credit card interchange rate, and transmitting data to the merchant indicating one of authorization of the attempted transaction and denial of the attempted transaction.
    Type: Application
    Filed: April 13, 2004
    Publication date: November 3, 2005
    Inventors: Robert Alexander, Charles Rosenblatt
  • Publication number: 20050199712
    Abstract: Systems and methods for providing gifts are described. In one exemplary embodiment, the systems and methods may include receiving financial card distribution information from a consumer, wherein the financial card distribution information identifies at least one recipient for a financial card and a predetermined delivery time for providing the financial card to the recipient, storing the financial card distribution information in a database, such that the stored financial card distribution information is associated with the consumer, and preparing a communication to the recipient to provide the financial card to the recipient at the predetermined delivery time.
    Type: Application
    Filed: March 10, 2004
    Publication date: September 15, 2005
    Inventor: Charles Rosenblatt