Patents by Inventor David Schamer

David Schamer 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).

  • Publication number: 20210358029
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: July 30, 2021
    Publication date: November 18, 2021
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic
  • Patent number: 11080782
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: August 3, 2021
    Assignee: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic
  • Publication number: 20210110470
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: December 21, 2020
    Publication date: April 15, 2021
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic, Bryan James Carson, Mark Richard Carson
  • Publication number: 20200364781
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: July 31, 2020
    Publication date: November 19, 2020
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic
  • Patent number: 10748209
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Grant
    Filed: September 12, 2016
    Date of Patent: August 18, 2020
    Assignee: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic
  • Patent number: 10475118
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Grant
    Filed: September 29, 2017
    Date of Patent: November 12, 2019
    Assignee: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic
  • Publication number: 20180025421
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: September 29, 2017
    Publication date: January 25, 2018
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • Publication number: 20170018027
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: September 12, 2016
    Publication date: January 19, 2017
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • Publication number: 20140310163
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: June 26, 2014
    Publication date: October 16, 2014
    Applicant: HUNTINGTON BANCSHARES INCORPORATED
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • Patent number: 8781955
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Grant
    Filed: December 18, 2012
    Date of Patent: July 15, 2014
    Assignee: Huntington Bane Shares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic
  • Publication number: 20130110712
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: December 18, 2012
    Publication date: May 2, 2013
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • Patent number: 8364581
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Grant
    Filed: May 20, 2011
    Date of Patent: January 29, 2013
    Assignee: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic
  • Publication number: 20120054093
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: May 20, 2011
    Publication date: March 1, 2012
    Inventors: David Schamer, Lee Lemke, Jeff Kastelic