Patents by Inventor Julie Geraghty

Julie Geraghty 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: 20160321688
    Abstract: Systems and methods are provided that provide a credit card payment incentive system. The incentive system incentivizes a credit card member to pay down an outstanding balance quicker than it would typically be paid by making minimum payments against the outstanding balance. A financial system computing system is configured to receive payment data, which it parses to determine a payment amount made by the credit card member against the outstanding balance. The computing system reviews the payment amount against a minimum payment due to determine whether the payment amount qualifies as a qualified payment for purposes of applying a statement credit against the outstanding balance. If the payment amount qualifies as the qualified payment, the statement credit is applied against the outstanding balance.
    Type: Application
    Filed: April 28, 2015
    Publication date: November 3, 2016
    Inventors: Brian Hughes, Ryan Scully, Miren Desai, Julie Geraghty, Gayle Prete, Diana Chen