Patents by Inventor Luther C. Abel

Luther C. Abel 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).

  • Patent number: 8510218
    Abstract: A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selectins a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information.
    Type: Grant
    Filed: January 9, 2012
    Date of Patent: August 13, 2013
    Assignee: Citizens Financial Group, Inc.
    Inventors: Luther C. Abel, Robert E. Cousins
  • Patent number: 8321315
    Abstract: A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. For example, multiple transaction cards may be linked to a single credit account with each card having a different credit limit. As another example, each transaction card may be restricted to a particular merchant. As yet another example, a consumer may link several credit and/or debit accounts to a single transaction card; the consumer may pre-select criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or a telephone for making changes and receiving account information.
    Type: Grant
    Filed: July 23, 2010
    Date of Patent: November 27, 2012
    Assignee: Citizens Financial Group, Inc.
    Inventors: Luther C. Abel, Robert E. Cousins
  • Publication number: 20120123933
    Abstract: A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selecting a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information.
    Type: Application
    Filed: January 9, 2012
    Publication date: May 17, 2012
    Applicant: CITIZENS FINANCIAL GROUP, INC.
    Inventors: Luther C. Abel, Robert E. Cousins
  • Publication number: 20120123934
    Abstract: A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selecting a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information.
    Type: Application
    Filed: January 9, 2012
    Publication date: May 17, 2012
    Applicant: CITIZENS FINANCIAL GROUP, INC.
    Inventors: Luther C. Abel, Robert E. Cousins
  • Publication number: 20100288832
    Abstract: A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. For example, multiple transaction cards may be linked to a single credit account with each card having a different credit limit. As another example, each transaction card may be restricted to a particular merchant. As yet another example, a consumer may link several credit and/or debit accounts to a single transaction card; the consumer may pre-select criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or a telephone for making changes and receiving account information.
    Type: Application
    Filed: July 23, 2010
    Publication date: November 18, 2010
    Inventors: Luther C. Abel, Robert E. Cousins
  • Patent number: 7783569
    Abstract: A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. For example, multiple transaction cards may be linked to a single credit account with each card having a different credit limit. As another example, each transaction card may be restricted to a particular merchant. As yet another example, a consumer may link several credit and/or debit accounts to a single transaction card; the consumer may pre-select criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or a telephone for making changes and receiving account information.
    Type: Grant
    Filed: March 24, 2008
    Date of Patent: August 24, 2010
    Inventors: Luther C. Abel, Robert E. Cousins
  • Publication number: 20080177660
    Abstract: A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. For example, multiple transaction cards may be linked to a single credit account with each card having a different credit limit. As another example, each transaction card may be restricted to a particular merchant. As yet another example, a consumer may link several credit and/or debit accounts to a single transaction card; the consumer may pre-select criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or a telephone for making changes and receiving account information.
    Type: Application
    Filed: March 24, 2008
    Publication date: July 24, 2008
    Inventors: Luther C. Abel, Robert E. Cousins
  • Patent number: 7359880
    Abstract: A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. For example, multiple transaction cards may be linked to a single credit account with each card having a different credit limit. As another example, each transaction card may be restricted to a particular merchant. As yet another example, a consumer may link several credit and/or debit accounts to a single transaction card; the consumer may pre-select criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or a telephone for making changes and receiving account information.
    Type: Grant
    Filed: August 5, 2005
    Date of Patent: April 15, 2008
    Inventors: Luther C. Abel, Robert E. Cousins