Patents by Inventor Lauren E. Dardick

Lauren E. Dardick 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: 20180137510
    Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
    Type: Application
    Filed: October 31, 2017
    Publication date: May 17, 2018
    Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
  • Patent number: 9811832
    Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
    Type: Grant
    Filed: April 20, 2016
    Date of Patent: November 7, 2017
    Assignee: III Holdings 1, LLC
    Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
  • Publication number: 20160314467
    Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
    Type: Application
    Filed: April 20, 2016
    Publication date: October 27, 2016
    Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
  • Patent number: 9324077
    Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
    Type: Grant
    Filed: December 8, 2014
    Date of Patent: April 26, 2016
    Assignee: III Holdings 1, LLC
    Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
  • Publication number: 20150161607
    Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
    Type: Application
    Filed: December 8, 2014
    Publication date: June 11, 2015
    Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
  • Patent number: 8905301
    Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
    Type: Grant
    Filed: October 19, 2010
    Date of Patent: December 9, 2014
    Assignee: III Holdings 1, LLC
    Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
  • Publication number: 20110060687
    Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
    Type: Application
    Filed: October 19, 2010
    Publication date: March 10, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
  • Patent number: 7837100
    Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
    Type: Grant
    Filed: June 30, 2006
    Date of Patent: November 23, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong