Patents by Inventor John Waupsh

John Waupsh 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).

  • PAYING A REWARD TO A SECOND ACCOUNT BASED ON MULTIPLE ACCOUNT QUALIFICATIONS BEING MET BY A FIRST ACCOUNT
    Publication number: 20200051108
    Abstract: Reward payments are applied to a first account and/or any linked second accounts at a financial institution. A computer program determines whether the first account qualifies for application of a reward based upon criteria from multiple holder accounts, which may be a first alternate interest rate and/or a reward payment formula. The program communicates application of the reward to the first account and/or any linked second accounts for an accounting period applicable to the reward if the first account qualifies for the reward. In an event wherein the first account does not qualify for the reward, the program communicates application of the base interest rate to the first account and/or any linked second accounts for an accounting period applicable to the base interest rate.
    Type: Application
    Filed: August 5, 2019
    Publication date: February 13, 2020
    Inventors: Gabriel M. Krajicek, Donald G. Shafer, Timothy L. Eisenman, Paul R. Barton, Shawn W. Chapman, John A. Waupsh, Pradeep Ittycheria, Diane R. Christensen
  • SYSTEM AND METHOD FOR ISSUING AND MANAGING FLEXIBLE LOANS
    Publication number: 20190318423
    Abstract: Systems and methods for issuing and managing flexible loans are described. Payments on such flexible loans may be applied according to a prescribed set of rules, and a borrower may be permitted to withdraw funds from a flexible loan account or skip a payment on the flexible loan account if one or more criteria are met.
    Type: Application
    Filed: April 17, 2019
    Publication date: October 17, 2019
    Inventors: Gabriel Kajicek, Ben Morrison, John Waupsh, Diane Christensen, Christopher Cohen, Pradeep Ittycheria
  • SYSTEM AND METHOD FOR ISSUING AND MANAGING FLEXIBLE LOANS
    Publication number: 20180158139
    Abstract: Systems and methods for issuing and managing flexible loans are described. Payments on such flexible loans may be applied according to a prescribed set of rules, and a borrower may be permitted to withdraw funds from a flexible loan account or skip a payment on the flexible loan account if one or more criteria are met.
    Type: Application
    Filed: December 6, 2017
    Publication date: June 7, 2018
    Inventors: Gabriel Krajicek, Ben Morrison, John Waupsh, Diane Christensen, Christopher Cohen, Pradeep Ittycheria