Patents by Inventor Luis Antonio Cervera

Luis Antonio Cervera 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).

  • Method to Facilitate Credit and Savings
    Publication number: 20140019334
    Abstract: A method to facilitate credit and savings, where that method includes establishing a group setting, establishing an administrator for the group setting, and establishing variables for the group setting, wherein the variables include a risk ranking standard and a number (N) of participants, where (N) is greater than 3 and the risk ranking comprises a credit rating determined by a credit bureau.
    Type: Application
    Filed: September 19, 2013
    Publication date: January 16, 2014
    Inventor: Luis Antonio Cervera
  • Method to facilitate credit and savings
    Publication number: 20100257093
    Abstract: This method brings together users by use of microprocessor based machines over an online network in order to participate as a group in the acquisition of assets through cooperation. The proposed invention builds upon the Rotating Savings and Credit Association (ROSCA); removing its inherent limitations as well as provide essential services for commercial use.
    Type: Application
    Filed: April 6, 2010
    Publication date: October 7, 2010
    Inventor: Luis Antonio Cervera