Patents by Inventor Michael J. Cleary

Michael J. Cleary 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).

  • Patent number: 8768808
    Abstract: The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
    Type: Grant
    Filed: May 3, 2013
    Date of Patent: July 1, 2014
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Michael J. Cleary, David A Clifton, Dean Ilijasic, David C Cohen, Kristine K Rodgers
  • Publication number: 20130246153
    Abstract: The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
    Type: Application
    Filed: May 3, 2013
    Publication date: September 19, 2013
    Applicant: JPMorgan Chase Bank, N.A.
    Inventors: Michael J. Cleary, David A. Clifton, Dean Ilijastic, David C. Cohen, Kristine K. Rodgers
  • Publication number: 20130238486
    Abstract: The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
    Type: Application
    Filed: April 24, 2013
    Publication date: September 12, 2013
    Applicant: JPMorgan Chase Bank, N.A.
    Inventors: Michael J. Cleary, David A. Clifton, Dean Ilijasic, David C. Cohen, Kristine K. Rodgers
  • Patent number: 8468072
    Abstract: The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
    Type: Grant
    Filed: August 8, 2007
    Date of Patent: June 18, 2013
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Michael J. Cleary, David A. Clifton, Dean Ilijasic, David C. Cohen, Kristine K. Rodgers
  • Patent number: 8463681
    Abstract: The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
    Type: Grant
    Filed: June 15, 2012
    Date of Patent: June 11, 2013
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Michael J. Cleary, David A. Clifton, Dean Ilijasic, David C. Cohen, Kristine K. Rodgers
  • Publication number: 20120254004
    Abstract: The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
    Type: Application
    Filed: June 15, 2012
    Publication date: October 4, 2012
    Inventors: Michael J. Cleary, David A. Clifton, Dean Ilijasic, David C. Cohen, Kristine K. Rodgers
  • Patent number: 7325009
    Abstract: A customer at a client workstation communicates with access software on a remote server to retrieve data from a database. The client may obtain information, such as available inventory, the status of a pending order, and so on, without contacting the database owner, such as the distributor of the inventory. Reports can be generated automatically by the customer.
    Type: Grant
    Filed: June 30, 2001
    Date of Patent: January 29, 2008
    Assignee: Brightpoint, Inc.
    Inventors: Michael J. Cleary, Cathy R. Faulkner, Jason R. Hall, Mario A. Hernandez, Richard L. White