Patents by Inventor Kristi S. Hebner

Kristi S. Hebner 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: 20240013249
    Abstract: A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.
    Type: Application
    Filed: September 21, 2023
    Publication date: January 11, 2024
    Inventors: Duane Smith, JR., Ricardo Alvarez, Michael K. Nolan, Kristi S. Hebner, Cathryn H. "Katie" Harlow
  • Patent number: 11783364
    Abstract: A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.
    Type: Grant
    Filed: May 6, 2020
    Date of Patent: October 10, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Duane Smith, Jr., Ricardo Alvarez, Michael K. Nolan, Kristi S. Hebner, Cathryn H. “Katie” Harlow
  • Publication number: 20200265456
    Abstract: A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.
    Type: Application
    Filed: May 6, 2020
    Publication date: August 20, 2020
    Inventors: Duane Smith, JR., Ricardo Alvarez, Michael K. Nolan, Kristi S. Hebner, Cathryn H. "Katie" Harlow
  • Patent number: 10679235
    Abstract: A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.
    Type: Grant
    Filed: March 7, 2019
    Date of Patent: June 9, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Duane Smith, Jr., Ricardo Alvarez, Michael K. Nolan, Kristi S. Hebner, Cathryn H. “Katie” Harlow
  • Publication number: 20190205916
    Abstract: A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.
    Type: Application
    Filed: March 7, 2019
    Publication date: July 4, 2019
    Inventors: Duane Smith, JR., Ricardo Alvarez, Michael K. Nolan, Kristi S. Hebner, Cathryn H. "Katie" Harlow
  • Patent number: 10325278
    Abstract: A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.
    Type: Grant
    Filed: February 29, 2012
    Date of Patent: June 18, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Duane Smith, Jr., Ricardo Alvarez, Michael K. Nolan, Kristi S. Hebner, Cathryn H. “Katie” Harlow
  • Publication number: 20130226685
    Abstract: A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.
    Type: Application
    Filed: February 29, 2012
    Publication date: August 29, 2013
    Applicant: Capital One financial Corporation
    Inventors: Duane Smith, JR., Ricardo Alvarez, Michael K. Nolan, Kristi S. Hebner, Cathryn H. "Katie" Harlow
  • Publication number: 20020178113
    Abstract: A system and method is provided for offering and providing custom credit card products. The disclosed system and method involve receiving information from an applicant, and processing the information to determine the eligibility of the applicant for a credit card product. If the applicant is found to be eligible to receive the credit card product, then the applicant is asked a few questions. Based on the additional information the applicant is offered an original credit card product. The applicant is provided at least one of a plurality of options concerning the original credit card product. Based on the values selected by the applicant corresponding to each one of the plurality of options provided to the applicant, the applicant is offered a custom credit card product.
    Type: Application
    Filed: April 20, 2001
    Publication date: November 28, 2002
    Inventors: Jeremy P. Clifford, Nathan T. Czyzewski, Kristi S. Hebner, Michael T. Anderson, Hilary Rhodes