Patents by Inventor Michael Cappucci

Michael Cappucci 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 COMPETITIVE APR PRICING
    Publication number: 20130275292
    Abstract: A method is provided comprising receiving tradeline data associated with a consumer related to a tradeline, determining payment terms of the tradeline by selecting the greatest of a minimum potential payment amount, a fixed percentage potential payment amount, and a fixed percentage plus finance charge potential payment amount, and calculating (in response to selection of the fixed percentage plus finance charge potential payment amount) an APR of the tradeline.
    Type: Application
    Filed: April 17, 2012
    Publication date: October 17, 2013
    Applicant: American Express Travel Related Services Company Inc.
    Inventors: Michael Cappucci, Alexander Cook, Sona Grover, Manish Gupta, Li Huang, Jean Paul Diegane Ndong, Charles Chen Song, Xiaodong Sun