Patents by Inventor Lee Lempke

Lee Lempke 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).

  • System and Method for Providing Time to Cure Negative Balances in Financial Accounts While Encouraging Rapid Curing of Those Balances to a Positive Net Position
    Publication number: 20180025421
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: September 29, 2017
    Publication date: January 25, 2018
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • System and Method for Providing Time to Cure Negative Balances in Financial Accounts While Encouraging Rapid Curing of Those Balances to a Positive Net Position
    Publication number: 20170018027
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: September 12, 2016
    Publication date: January 19, 2017
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • System and Method for Providing Time to Cure Negative Balances in Financial Accounts While Encouraging Rapid Curing of Those Balances to a Positive Net Position
    Publication number: 20140310163
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: June 26, 2014
    Publication date: October 16, 2014
    Applicant: HUNTINGTON BANCSHARES INCORPORATED
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic
  • SYSTEM AND METHOD FOR PROVIDING TIME TO CURE NEGATIVE BALANCES IN FINANCIAL ACCOUNTS WHILE ENCOURAGING RAPID CURING OF THOSE BALANCES TO A POSITIVE NET POSITION
    Publication number: 20130110712
    Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.
    Type: Application
    Filed: December 18, 2012
    Publication date: May 2, 2013
    Applicant: Huntington Bancshares Incorporated
    Inventors: David Schamer, Lee Lempke, Jeff Kastelic