Patents by Inventor Diane Enroughty

Diane Enroughty 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 offering wireless financial accounts
    Patent number: 8041608
    Abstract: Systems and methods consistent with the invention may offer a new financial account having a balance transfer sub-account for implementation onto a customer's wireless purchasing device. The purchasing device may have a wireless transmitter that may communicate account information stored on the purchasing device to a service terminal. Based on the account information received by the service terminal, the system may obtain the terms of the customer's current account associated with the purchasing device. The system may then determine the terms of the new account for offering to the customer. If the customer accepts the offered account, the terminal may then wirelessly reprogram the purchasing device with the information of the new account and transfer the balance of the customer's original account to the balance transfer sub-account of the new account.
    Type: Grant
    Filed: July 14, 2006
    Date of Patent: October 18, 2011
    Assignee: Capital One Financial Corporation
    Inventor: Diane Enroughty
  • Systems and methods for offering wireless financial accounts
    Publication number: 20080015946
    Abstract: Systems and methods consistent with the invention may offer a new financial account having a balance transfer sub-account for implementation onto a customer's wireless purchasing device. The purchasing device may have a wireless transmitter that may communicate account information stored on the purchasing device to a service terminal. Based on the account information received by the service terminal, the system may obtain the terms of the customer's current account associated with the purchasing device. The system may then determine the terms of the new account for offering to the customer. If the customer accepts the offered account, the terminal may then wirelessly reprogram the purchasing device with the information of the new account and transfer the balance of the customer's original account to the balance transfer sub-account of the new account.
    Type: Application
    Filed: July 14, 2006
    Publication date: January 17, 2008
    Inventor: Diane Enroughty