Patents by Inventor Christopher M. Luo

Christopher M. Luo 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).

  • Providing a customer one or more options for increasing a line of credit
    Patent number: 8055580
    Abstract: A method for providing a customer one or more options for increasing a line of credit includes communicating to a customer one or more solicitations offering the customer a credit account and providing the customer one or more options for increasing a line of credit associated with the credit account. The method also includes receiving a response to the one or more solicitations from the customer requesting the credit account and selecting at least one of the one or more options. The method also includes storing data associated with the credit account to book the credit account according to the response from the customer. At least some of the data reflects the one or more options selected by the customer and an increase of the line of credit provided as a result of the selection of the at least one option by the customer.
    Type: Grant
    Filed: March 15, 2010
    Date of Patent: November 8, 2011
    Assignee: Capital One Financial Corporation
    Inventors: Brandon G. Homuth, Christopher M. Luo, Amy E. Mays
  • Providing a customer one or more options for increasing a line of credit
    Patent number: 7685066
    Abstract: A method for providing a customer one or more options for increasing a line of credit includes communicating to a customer one or more solicitations offering the customer a credit account and providing the customer one or more options for increasing a line of credit associated with the credit account. The method also includes receiving a response to the one or more solicitations from the customer requesting the credit account and selecting at least one of the one or more options. The method also includes storing data associated with the credit account to book the credit account according to the response from the customer. At least some of the data reflects the one or more options selected by the customer and an increase of the line of credit provided as a result of the selection of the at least one option by the customer.
    Type: Grant
    Filed: June 26, 2008
    Date of Patent: March 23, 2010
    Assignee: Capital One Financial Corporation
    Inventors: Brandon G. Homuth, Christopher M. Luo, Amy E. Mays
  • Providing a customer one or more options for increasing a line of credit
    Patent number: 7409369
    Abstract: A method for providing a customer one or more options for increasing a line of credit includes communicating to a customer one or more solicitations offering the customer a credit account and providing the customer one or more options for increasing a line of credit associated with the credit account. The method also includes receiving a response to the one or more solicitations from the customer requesting the credit account and selecting at least one of the one or more options. The method also includes storing data associated with the credit account to book the credit account according to the response from the customer. At least some of the data reflects the one or more options selected by the customer and an increase of the line of credit provided as a result of the selection of the at least one option by the customer.
    Type: Grant
    Filed: September 5, 2002
    Date of Patent: August 5, 2008
    Assignee: Capital One Financial Corporation
    Inventors: Brandon G. Homuth, Christopher M. Luo, Amy E. Mays