Patents by Inventor Jean-Paul D. Ndong

Jean-Paul D. Ndong 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).

  • Method and apparatus for a no pre-set spending limit transaction card
    Patent number: 8073776
    Abstract: A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and an associated communicated line of credit. The transaction card may carry a balance like a credit card and may require that a card user pay down the balance carried forward to the line of credit subsequent to the end of each billing cycle. When the user has reached or exceeded the communicated line of credit, each subsequent transaction request for a new transaction by the user is evaluated on a case-by-case basis by a process that includes execution an overlimit spend authorization logic or process.
    Type: Grant
    Filed: June 20, 2011
    Date of Patent: December 6, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Karen L Wong, Fred Jubitz, Luigi E Merli, Caroline M Azimi-Pour, Jean-Paul D Ndong, Leena H Parikh, Joya A Mukherjee, Keye G Jin, Priyo B Chatterjee, Subhash C Khatri, Luckner B Polycarpe
  • METHOD AND APPARATUS FOR A NO PRE-SET SPENDING LIMIT TRANSACTION CARD
    Publication number: 20110246368
    Abstract: A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and an associated communicated line of credit. The transaction card may carry a balance like a credit card and may require that a card user pay down the balance carried forward to the line of credit subsequent to the end of each billing cycle.
    Type: Application
    Filed: June 20, 2011
    Publication date: October 6, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Karen L. Wong, Fred Jubitz, Luigi E. Merli, Caroline M. Azimi-Pour, Jean-Paul D. Ndong, Leena H. Parikh, Joya A. Mukherjee, Keye G. Jin, Priyo B. Chatterjee, Subhash C. Khatri, Luckner B. Polycarpe
  • Method and apparatus for a no pre-set spending limit transaction card
    Patent number: 7966255
    Abstract: A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and an associated communicated line of credit. The transaction card may carry a balance like a credit card and may require that a card user pay down the balance carried forward to the line of credit subsequent to the end of each billing cycle. When the user has reached or exceeded the communicated line of credit, each subsequent transaction request for a new transaction by the user is evaluated on a case-by-case basis by a process that includes execution an overlimit spend authorization logic or process.
    Type: Grant
    Filed: November 1, 2002
    Date of Patent: June 21, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Karen L. Wong, Fred Jubitz, Luigi E. Merli, Caroline M. Azimi-Pour, Jean-Paul D. Ndong, Leena H. Parikh, Joya A. Mukherjee, Keye G. Jin, Priyo B. Chatterjee, Subhash C. Khatri, Luckner B. Polycarpe
  • Method and apparatus for a no pre-set spending limit transaction card
    Publication number: 20040088257
    Abstract: The present invention provides a method and apparatus for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card. The novel method and apparatus uses a card with an overlimit spend feature and an associated communicated line of credit. The card can carry a balance like a credit card and may require that the card user pay down the balance carried forward down to the line of credit subsequent to the end of each billing cycle.
    Type: Application
    Filed: November 1, 2002
    Publication date: May 6, 2004
    Inventors: Karen L. Wong, Fred Jubitz, Luigi E. Merli, Caroline M. Azimi-Pour, Jean-Paul D. Ndong, Leena H. Parikh, Joya A. Mukherjee, Keye G. Jin, Priyo B. Chatterjee, Subhash C. Khatri, Luckner B. Polycarpe