Patents by Inventor Jeffrey Grine

Jeffrey Grine 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: 20070203788
    Abstract: The invention provides a method of giving a gift instrument having a value to a recipient. The method comprises (a) ordering the gift instrument from a central processing facility, (b) delivering the gift instrument to the recipient, (c) receiving the gift instrument by the recipient, (d) redeeming the gift instrument by selecting goods or services from a redemption facility, where the goods or services have a value corresponding to the value of the gift instrument, and (e) providing the goods or services to the recipient. The step of ordering the gift instrument may include accessing an Internet web page associated with the central processing facility. The step of delivering the gift instrument may include sending an electronic text message to the recipient's text-compatible cell phone.
    Type: Application
    Filed: September 3, 2004
    Publication date: August 30, 2007
    Inventors: A. Andalib, David Barber, Jeffrey Grine, Brad Smrcina
  • Publication number: 20070083461
    Abstract: A method for extending consumer credit comprises identifying a consumer having a first line of credit and extending a second line of credit restricted for use with a designated merchant or merchant association under a consumer's account. In some embodiments, a risk abatement account is funded to pay uncollectible receivables of the credit provider created by the second line of credit. Other embodiments include incentives for one or both of use and timely payment(s) against the second line of credit. A system comprises a network, a management engine and an interface. The management engine associates a first line of credit and a second line of credit with a consumer account. The second line of credit is restricted to use with a designated merchant or association. When a consumer makes a purchase from the designated merchant(s), the management engine records the purchase transaction on the consumer's second line of credit.
    Type: Application
    Filed: October 12, 2005
    Publication date: April 12, 2007
    Inventors: A. Andalib, David Barber, Brad Smrcina, Jeffrey Grine, Stephen Smith