Patents by Inventor Jessica A. Kaplan
Jessica A. Kaplan 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).
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Patent number: 11359074Abstract: A mycological biopolymer material is subjected to treatment in one or more solutions that work to enhance and/or retain the inherent material properties of the material. In one embodiment, the solution is an organic solution; in another embodiment, the solution is an organic solvent with a salt; in another embodiment, the solution is an organic solvent phenol and/or polyphenol; and in another embodiment, a series of such solutions is used.Type: GrantFiled: March 29, 2018Date of Patent: June 14, 2022Assignee: ECOVATIVE DESIGN LLCInventors: Jessica Kaplan-Bie, Gavin R. McIntyre, Lucy Greetham, Ian Bonesteel, Alex Carlton, Eben Bayer
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Patent number: 10019697Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: June 25, 2014Date of Patent: July 10, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Publication number: 20140310168Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: ApplicationFiled: June 25, 2014Publication date: October 16, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowry, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Patent number: 8799151Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: January 16, 2014Date of Patent: August 5, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Publication number: 20140136406Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: ApplicationFiled: January 16, 2014Publication date: May 15, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Patent number: 8666880Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: September 6, 2007Date of Patent: March 4, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Patent number: 8589284Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: June 18, 2009Date of Patent: November 19, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Patent number: 8326747Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.Type: GrantFiled: June 18, 2009Date of Patent: December 4, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Mark Ang, Boudhayan Choudhuri, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega
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Publication number: 20120271689Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: June 25, 2012Publication date: October 25, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharnak, E. Bai Koo
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Publication number: 20120265593Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: June 26, 2012Publication date: October 18, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharnak, E. Bai Koo
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Publication number: 20100106585Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Shamak, E. Bai Koo
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Publication number: 20100106586Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepark K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharnek, E. Bai Koo
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Publication number: 20100106583Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharnak, E. Bai Koo
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Publication number: 20100106584Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepark K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharmak, E. Bai Koo
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Publication number: 20100106580Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharnak, E. Bai Koo
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Publication number: 20100106581Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Shamak, E. Bai Koo
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Publication number: 20100106579Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharnak, E. Bai Koo
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Publication number: 20100106589Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Shamak, E. Bai Koo
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Publication number: 20100106576Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharmak, E. Bai Koo
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Publication number: 20100106582Abstract: The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.Type: ApplicationFiled: August 24, 2009Publication date: April 29, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Christine C. Etheredge, Jessica A. Kaplan, Deepak K. Kapoor, Jason K. Leung, Denee Perry, Larry Sharnak, E. Bai Koo