Patents by Inventor Matthew VISCHULIS

Matthew VISCHULIS 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: 20250086704
    Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
    Type: Application
    Filed: November 26, 2024
    Publication date: March 13, 2025
    Applicant: Capital One Services, LLC
    Inventors: Marcie APELT, Megan EDDS, Keith BARRON, Ashley GIBBS, Matthew VISCHULIS, Carl ASHBY, Baining HU, Yi LIU, David SCHARDT
  • Publication number: 20240104644
    Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
    Type: Application
    Filed: December 4, 2023
    Publication date: March 28, 2024
    Applicant: Capital One Services, LLC
    Inventors: Marcie APELT, Megan EDDS, Keith BARRON, Ashley GIBBS, Matthew VISCHULIS, Carl ASHBY, Baining HU, Yi LIU, David SCHARDT
  • Publication number: 20230222573
    Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
    Type: Application
    Filed: March 7, 2023
    Publication date: July 13, 2023
    Applicant: Capital One Services, LLC
    Inventors: Marcie APELT, Megan EDDS, Keith BARRON, Ashley GIBBS, Matthew VISCHULIS, Carl ASHBY, Baining HU, Yi LIU, David SCHARDT
  • Publication number: 20190392516
    Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
    Type: Application
    Filed: September 5, 2019
    Publication date: December 26, 2019
    Applicant: Capital One Services, LLC
    Inventors: Marcie APELT, Megan EDDS, Keith BARRON, Ashley GIBBS, Matthew VISCHULIS, Carl ASHBY, Baining HU, Yi LIU, David SCHARDT
  • Publication number: 20160071203
    Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
    Type: Application
    Filed: September 8, 2015
    Publication date: March 10, 2016
    Inventors: Marcie APELT, Megan EDDS, Keith BARRON, Ashley GIBBS, Matthew VISCHULIS, Carl ASHBY, Baining HU, Yi LIU, David SCHARDT