Patents by Inventor Christine Vega
Christine Vega 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).
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Publication number: 20230111376Abstract: This disclosure relates to surgical systems, devices and methods for planning and implementing surgical procedures. The systems and methods disclosed herein may be utilized to establish physical models of anatomy.Type: ApplicationFiled: October 7, 2022Publication date: April 13, 2023Inventors: Nick Metcalfe, Michael Moreland, Aaron Jerome Hewitt, Michael Charles Morris, George Rego, Gianna Christine Vega-Soto, Timothy J. Thompson
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Patent number: 10019697Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: June 25, 2014Date of Patent: July 10, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Publication number: 20140310168Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: ApplicationFiled: June 25, 2014Publication date: October 16, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowry, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Patent number: 8799151Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: January 16, 2014Date of Patent: August 5, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Publication number: 20140136406Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: ApplicationFiled: January 16, 2014Publication date: May 15, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Patent number: 8666880Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: September 6, 2007Date of Patent: March 4, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Patent number: 8589284Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: June 18, 2009Date of Patent: November 19, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Patent number: 8326747Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: June 18, 2009Date of Patent: December 4, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Publication number: 20090259548Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: ApplicationFiled: June 18, 2009Publication date: October 15, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Publication number: 20090254478Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: ApplicationFiled: June 18, 2009Publication date: October 8, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Publication number: 20080262919Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: ApplicationFiled: September 6, 2007Publication date: October 23, 2008Applicant: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega