Patents by Inventor Michael Gregory James

Michael Gregory James 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 for calculating recommended charge limits
    Patent number: 7314166
    Abstract: The invention facilitates the compilation of client-imposed charge or credit limit reports based on declined purchase and/or payment transactions. The invention provides a system and method by which an account manager for a financial institution and/or a client program administrator company may perform analysis of spending patterns for cardmembers in order to determine an optimal client-imposed credit limit in order to reduce the occurrences of declined charge or credit transactions. An account manager for a financial institution and/or a client program administrator may use the limits report to persuade a cardmember to increase the client-imposed credit limit to a recommended level, thereby reducing the cardmember's inconvenience cased by declined purchase transactions while recapturing lost revenues by the card issuer also resulting from declined purchase transactions.
    Type: Grant
    Filed: April 1, 2005
    Date of Patent: January 1, 2008
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Gordon Emory Anderson, Catherine J. Campanaro, William Gaines Coomer, Michael Gregory James, Aniruddha V. Khandekar, Sangarsh Nigam, Gary West