Patents by Inventor Maria M. Mandler

Maria M. Mandler 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 a risk based purchase of goods
    Patent number: 6785661
    Abstract: A system and method provides for enabling on-line transactional services among sellers and buyers having no previous relationship with each other. The system includes a financial clearinghouse for receiving a request for goods or services from a buyer and making a real-time determination of a risk classification of the buyer utilizing an on-line repository of credit information. The financial clearinghouse determines a risk-based discount fee as a function of the buyer's risk classification in order to establish a payment amount to the seller from the clearinghouse. If the transaction is authorized by the financial clearinghouse, the financial clearinghouse transmits the payment amount to the seller and transmits an invoice to the buyer for the purchase price of the transaction. The system can also include a broker coupled to the financial clearinghouse for providing an on-line order acceptance and processing capability between the buyers and sellers.
    Type: Grant
    Filed: March 17, 1998
    Date of Patent: August 31, 2004
    Assignee: Citibank, N.A.
    Inventors: Maria M. Mandler, Ann P. McLaughlin, Robert R. Battenfelder, James E. Rouen, Levi Y. Orbach, Carol Benson, Marjorie Engber, James E. Nevens, William Joseph Krajewski, Carol A. Baldwin Moody, John P. Figliozzi, Keith W. Luke, Cornelia Blemings, Kathleen M. Dixon
  • System and method for a risk-based purchase of goods
    Patent number: 5732400
    Abstract: A system and method provides for enabling on-line transactional services among sellers and buyers having no previous relationship with each other. The system includes a financial clearinghouse for receiving a request for goods or services from a buyer and making a real-time determination of a risk classification of the buyer utilizing an on-line repository of credit information. The financial clearinghouse determines a risk-based discount fee as a function of the buyer's risk classification in order to establish a payment amount to the seller from the clearinghouse. If the transaction is authorized by the financial clearinghouse, the financial clearinghouse transmits the payment amount to the seller and transmits an invoice to the buyer for the purchase price of the transaction. The system can also include a broker coupled to the financial clearinghouse for providing an on-line order acceptance and processing capability between the buyers and sellers.
    Type: Grant
    Filed: January 4, 1995
    Date of Patent: March 24, 1998
    Assignee: Citibank N.A.
    Inventors: Maria M. Mandler, Ann P. McLaughlin, Robert R. Battenfelder, James E. Rouen, Levi Y. Orbach, Carol Benson, Marjorie Engber, James E. Nevens, William Joseph Krajewski, Carol A. Baldwin Moody, John P. Figliozzi, Keith W. Luke, Cornelia Blemings, Kathleen M. Dixon