Patents by Inventor Joan DeTemple

Joan DeTemple 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).

  • Dynamic currency conversion system and method
    Patent number: 10115160
    Abstract: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.
    Type: Grant
    Filed: February 18, 2014
    Date of Patent: October 30, 2018
    Assignee: PAYMENTECH, LLC
    Inventors: Michael K. Nicholls, Lester S. Maragh, Joan DeTemple, Rosemary R. Thomas, Zunoraine Holmes, George E. Wilcox, Keeley M. Sapienza, Lubna Shad
  • DYNAMIC CURRENCY CONVERSION SYSTEM AND METHOD
    Publication number: 20140164155
    Abstract: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.
    Type: Application
    Filed: February 18, 2014
    Publication date: June 12, 2014
    Applicant: PAYMENTECH, LLC
    Inventors: Michael K. Nicholls, Lester S. Maragh, Joan DeTemple, Rosemary R. Thomas, Zunoraine Holmes, George E. Wilcox, Keeley M. Sapienza, Lubna Shad
  • Dynamic currency conversion system and method
    Patent number: 8655781
    Abstract: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.
    Type: Grant
    Filed: January 29, 2013
    Date of Patent: February 18, 2014
    Assignee: Paymentech, LLC
    Inventors: Michael K. Nicholls, Lester S. Maragh, Joan DeTemple, Rosemary R. Thomas, George E. Wilcox, Keeley M. Sapienza, Zunoraine Holmes, Lubna Shad
  • DYNAMIC CURRENCY CONVERSION SYSTEM AND METHOD
    Publication number: 20130144739
    Abstract: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.
    Type: Application
    Filed: January 29, 2013
    Publication date: June 6, 2013
    Inventors: Michael K. NICHOLLS, Lester S. MARAGH, Joan DeTEMPLE, Rosemary R. THOMAS, Zunoraine HOLMES, George E. WILCOX, Keeley M. SAPIENZA
  • Dynamic currency conversion system and method
    Patent number: 8364584
    Abstract: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.
    Type: Grant
    Filed: November 19, 2004
    Date of Patent: January 29, 2013
    Assignee: Paymentech, LLC
    Inventors: Michael K. Nicholls, Lester S. Maragh, Joan DeTemple, Rosemary R. Thomas, Zunoraine Holmes, George E. Wilcox, Keeley M. Sapienza
  • Dynamic currency conversion system and method
    Publication number: 20050154674
    Abstract: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.
    Type: Application
    Filed: November 19, 2004
    Publication date: July 14, 2005
    Inventors: Michael Nicholls, Lester Maragh, Joan DeTemple, Rosemary Thomas, Zunoraine Holmes, George Wilcox, Keeley Sapienza, Lubna Shad