Patents by Inventor Martin Poteralski

Martin Poteralski 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).

  • Systems and methods for processing credit card transactions that exceed a credit limit
    Patent number: 7953658
    Abstract: A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial account to exceed a credit limit. The method comprises determining a merchant type for a merchant which is a party to the transaction. A merchant credit risk associated with the determined merchant type is determined. The merchant credit risk is compared to a threshold value defining an acceptable credit risk. The transaction is approved based on the comparison of the merchant credit risk with the threshold value.
    Type: Grant
    Filed: April 15, 2008
    Date of Patent: May 31, 2011
    Assignee: Capital One Financial Corporation
    Inventors: Kevin Huennekens, Haicheng Li, Martin Poteralski, Jeffrey Marshall, Marc Solomon
  • Systems and methods for processing credit card transactions that exceed a credit limit
    Publication number: 20080195530
    Abstract: A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial account to exceed a credit limit. The method comprises determining a merchant type for a merchant which is a party to the transaction. A merchant credit risk associated with the determined merchant type is determined. The merchant credit risk is compared to a threshold value defining an acceptable credit risk. The transaction is approved based on the comparison of the merchant credit risk with the threshold value.
    Type: Application
    Filed: April 15, 2008
    Publication date: August 14, 2008
    Inventors: Kevin Huennekens, Haicheng Li, Martin Poteralski, Jeffrey Marshall, Marc Solomon
  • Systems and methods for managing credit account products with adjustable credit limits
    Patent number: 7389266
    Abstract: Systems and methods consistent with the present invention manage a credit card having an adjustable credit limit. The system determines whether the credit limit is likely to be reached by possible transactions made by the customer when using the account. The system adjusts the credit limit when it is determined that the credit limit is likely to be reached. The adjusted credit limit is analyzed to determine whether it satisfies predefined credit limit amount criteria associated with the account. The system then revises the adjusted credit limit, as necessary, such that the revised credit limit satisfies the predetermined credit criteria.
    Type: Grant
    Filed: June 29, 2001
    Date of Patent: June 17, 2008
    Assignee: Capital One Financial Corporation
    Inventors: Taylor Early, Rahul Nawab, Martin Poteralski, Michael Rydzy
  • Systems and methods for processing credit card transactions that exceed a credit limit
    Patent number: 7383224
    Abstract: A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial account to exceed a credit limit. The method comprises determining a merchant type for a merchant which is a party to the transaction. A merchant credit risk associated with the determined merchant type is determined. The merchant credit risk is compared to a threshold value defining an acceptable credit risk. The transaction is approved based on the comparison of the merchant credit risk with the threshold value.
    Type: Grant
    Filed: June 29, 2001
    Date of Patent: June 3, 2008
    Assignee: Capital One Financial Corporation
    Inventors: Kevin Huennekens, Haicheng Li, Martin Poteralski, Jeffrey Marshall, Marc Solomon
  • Systems and methods for managing credit account products with adjustable credit limits
    Publication number: 20030004868
    Abstract: Systems and methods consistent with the present invention manage a credit card having an adjustable credit limit. The system determines whether the credit limit is likely to be reached by possible transactions made by the customer when using the account. The system adjusts the credit limit when it is determined that the credit limit is likely to be reached. The adjusted credit limit is analyzed to determine whether it satisfies predefined credit limit amount criteria associated with the account. The system then revises the adjusted credit limit, as necessary, such that the revised credit limit satisfies the predetermined credit criteria.
    Type: Application
    Filed: June 29, 2001
    Publication date: January 2, 2003
    Inventors: Taylor Early, Rahul Nawab, Martin Poteralski, Michael Rydzy
  • Systems and methods for processing credit card transactions that exceed a credit limit
    Publication number: 20030004866
    Abstract: A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial account to exceed a credit limit. The method comprises determining a merchant type for a merchant which is a party to the transaction. A merchant credit risk associated with the determined merchant type is determined. The merchant credit risk is compared to a threshold value defining an acceptable credit risk. The transaction is approved based on the comparison of the merchant credit risk with the threshold value.
    Type: Application
    Filed: June 29, 2001
    Publication date: January 2, 2003
    Inventors: Kevin Huennekens, Haicheng Li, Martin Poteralski, Jeffrey Marshall, Marc Solomon