Patents by Inventor Chris Newkirk

Chris Newkirk 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).

  • Systems and methods for managing a credit account having a credit component associated with healthcare expenses
    Publication number: 20040138999
    Abstract: A method for managing a credit account associated with a customer is provided. The credit account has a first credit component associated with purchase transactions and a second credit component associated with healthcare expenses. A payment request from an insurance provider for a customer payment portion associated with a particular healthcare expense is received. A determination is made to see whether the customer payment portion exceeds a limit. The insurance provider is paid the customer payment portion when the limit is not exceeded. The payment of the customer payment portion is requested from a healthcare expense account.
    Type: Application
    Filed: January 13, 2003
    Publication date: July 15, 2004
    Applicant: Capital One Financial Corporation
    Inventors: Howard S. Friedman, Seth B. Blackley, Adam Braff, William A. Cilluffo, Richard C. Edmunds, Tilman D.T. Ehrbeck, Chris Newkirk, Ronald D. Sheklin