Patents by Inventor Daniel Guy Baker

Daniel Guy Baker 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: 7634434
    Abstract: Systems and methods are provided for setting a cycle date for a financial account. For instance, a cycling module may be provided to set a default cycle date for cycling the financial account, and an account monitoring module may be provided to determine whether a transaction is posted on the financial account within a first predetermined period before the default cycle date. If a transaction is posted on the financial account within the first predetermined period, then the cycling module sets a new cycle date. The new cycle date can be set to a date that follows the transaction post date by a second predetermined period. Alternatively, the new cycle date may be set to other dates, such as a date corresponding to the next qualifying date.
    Type: Grant
    Filed: May 29, 2002
    Date of Patent: December 15, 2009
    Assignee: Capital One Financial Corporation
    Inventors: Daniel Guy Baker, Krishnamurthy Bindumadhavan, Bradley Wilson Jiulianti, Sanjeev Kumar Chandak
  • Publication number: 20030225642
    Abstract: Systems and methods are provided for setting a cycle date for a financial account. For instance, a cycling module may be provided to set a default cycle date for cycling the financial account, and an account monitoring module may be provided to determine whether a transaction is posted on the financial account within a first predetermined period before the default cycle date. If a transaction is posted on the financial account within the first predetermined period, then the cycling module sets a new cycle date. The new cycle date can be set to a date that follows the transaction post date by a second predetermined period. Alternatively, the new cycle date may be set to other dates, such as a date corresponding to the next qualifying date.
    Type: Application
    Filed: May 29, 2002
    Publication date: December 4, 2003
    Applicant: CAPITAL ONE FINANCIAL CORPORATION.
    Inventors: Daniel Guy Baker, Krishnamurthy Bindumadhavan, Bradley Wilson Jiulianti, Sanjeev Kumar Chandak
  • Publication number: 20030097270
    Abstract: Methods, systems, and articles of manufacture for providing advantage credit card products to customers is disclosed. A financial account provider may provide a consumer with a financial account that may be used for purchase transactions with vendors. Additionally, the financial account provider may allow the consumer to select a vendor to be associated with the financial account. Thereafter, the financial account provider may charge fees to the financial account for purchase transactions with the selected vendor based on advantage account parameters. Furthermore, fees may be charged to the financial account by the financial account provider for purchase transactions with other vendors based on standard account parameters. The one or more advantage account parameters may include terms that are more favorable to the consumer than terms associated with standard account parameters.
    Type: Application
    Filed: November 16, 2001
    Publication date: May 22, 2003
    Inventors: Eric Lee Musselwhite, Daniel Guy Baker, Krishnamurthy Bindumadhavan, Deborah Amie Candeub, Lisa Michele Chancellor, Sanjeev Kumar Chandak, Brad Jiulianti, William Joseph McSorley