Patents by Inventor Joseph A. Eberhardt

Joseph A. Eberhardt 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).

  • Overdraft threshold analysis and decisioning
    Patent number: 8061592
    Abstract: Systems and methods of providing for processing a banking transaction, such as a debit card transaction, with an overdraft threshold. If a transaction drives an associated account to a negative balance, the amount of the transaction may be compared to an overdraft threshold. If the amount of the transaction does not exceed the overdraft threshold, an overdraft fee may be waived.
    Type: Grant
    Filed: November 9, 2009
    Date of Patent: November 22, 2011
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Andrew L. Clem, Joseph A. Eberhardt