Patents by Inventor Maria Teresita Vicente
Maria Teresita Vicente 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: 20230351516Abstract: Disclosed herein is a system and method for determining one or more metrics indicative of a user's financial health. The system may present information using a financial oculus, including one or more visualizations. The visualization(s) may present financial information in a simple, but comprehensive format and may allow adjustments to one or more financial goals. The user may interact with the app and receive information regarding the impact certain changes may have. The system may also provide suggestion(s) associated with relationship(s). In some embodiments, the suggestion(s) may be determined based on the user's interaction with the financial oculus. Embodiments of the disclosure may include an interactive app that allows a user to explore the impacts of different financial goals by adjusting the properties of the visualization(s).Type: ApplicationFiled: July 7, 2023Publication date: November 2, 2023Applicant: Mercury Financial Holdings LLCInventors: Kenneth Davidson CURRAN, Maria Teresita VICENTE, James F. PETERSON, Patrick J. NOLAN, Harish RAGHURAMAN, Simon T. CHAPMAN, Steven T. ADAMS, Brooke M. DURHAM, Anand KUMAR, Madhavi Sruthi KOTHAGUNDU, Sateeshasatya Anvesh Reddy KATAMREDDY, Anal R. SHAH
-
Publication number: 20220383416Abstract: Disclosed herein is a system and method for determining one or more metrics indicative of a user's financial health. The system may present information using a financial oculus, including one or more visualizations. The visualization(s) may present financial information in a simple, but comprehensive format and may allow adjustments to one or more financial goals. The user may interact with the app and receive information regarding the impact certain changes may have. The system may also provide suggestion(s) associated with relationship(s). In some embodiments, the suggestion(s) may be determined based on the user's interaction with the financial oculus. Embodiments of the disclosure may include an interactive app that allows a user to explore the impacts of different financial goals by adjusting the properties of the visualization(s).Type: ApplicationFiled: March 30, 2022Publication date: December 1, 2022Applicant: Mercury Financial Holdings LLCInventors: Kenneth Davidson CURRAN, Maria Teresita VICENTE, James F. PETERSON, Patrick J. NOLAN, Harish RAGHURAMAN, Simon T. CHAPMAN, Steven T. ADAMS, Brooke M. DURHAM, Anand KUMAR, Madhavi Sruthi KOTHAGUNDU, Sateeshasatya Anvesh Reddy KATAMREDDY, Anal R. SHAH
-
Patent number: 8725611Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: determining a designated event using the programmed computer processor; determining parameters associated with the designated event using the programmed computer processor; providing incentives to the user via the network, wherein the incentives comprise upgrades, discounts or access associated with the designated event; determining whether a transaction is associated with the designated event using the programmed computer processor; rewarding at least one benefit to the transactions associated with the designated event using the programmed computer processor; and allowing a user to selectively pay down transactions or balance amount(s) associated with the designated event.Type: GrantFiled: February 17, 2009Date of Patent: May 13, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Heather Margaret Emerson, Jennifer C. McGarry
-
Patent number: 8706625Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.Type: GrantFiled: February 5, 2013Date of Patent: April 22, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
-
Patent number: 8554652Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: receiving a time-based spending alert threshold designation from a user via the network; receiving at least one category of transaction designations from the user via the network, wherein each of the categories is associated with a portion of the time-based spending alert threshold designation; automatically allocating user transactions among the categories using the programmed computer processor; notifying the user via the network of the portion of the time-based spending alert threshold designation for a particular category that is being approached or surpassed; and automatically modifying the portion of the time-based spending alert threshold designation for the particular category for the upcoming period of time if the limit is surpassed, wherein the modification is performed by the programmed computer processor.Type: GrantFiled: February 17, 2009Date of Patent: October 8, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
-
Patent number: 8538876Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.Type: GrantFiled: April 12, 2012Date of Patent: September 17, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
-
Publication number: 20120209761Abstract: A system and method providing a borrowing scheme.Type: ApplicationFiled: April 12, 2012Publication date: August 16, 2012Applicant: JPMORGAN CHASE BANK, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
-
Patent number: 8190522Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.Type: GrantFiled: September 17, 2009Date of Patent: May 29, 2012Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry
-
Patent number: 8078528Abstract: The method according to exemplary embodiments comprises establishing an interest-free revolving amount or account, establishing a periodic payment for maintaining the interest-free revolving amount or account, and automatically revising the interest-free revolving amount or account or the periodic payment based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via a network.Type: GrantFiled: February 17, 2009Date of Patent: December 13, 2011Assignee: JPMorgan Chase Bank, N.A.Inventors: Maria Teresita Vicente, Frank Cawley Dragotta, Manning R. Field, Joy Lynn Koppenhaver, James Samuel Moed, Ryan Alan Jacoby, Ian Michael Groulx, Kevin Thomas Dame, Heather Margaret Emerson, Jennifer C. McGarry