Patents by Inventor Nathan Czyzewski

Nathan Czyzewski 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: 20060047592
    Abstract: Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include receiving financial transaction data, establishing a balance for the financial account based on the financial transaction data, and charging an amount to the financial account. The amount may comprise a fixed amount that may be the same for all values of the balance. Furthermore, the disclosed systems and methods may include charging an amount to the financial account in which the amount comprises a first fixed amount if the balance is less than or equal to a break-point value and in which the amount comprises a second fixed amount if the balance is greater than the break-point value. The first fixed amount may be the same for all values of the balance less than or equal to the break-point value. And the second fixed amount may be the same for all values of the balance greater than the break-point value.
    Type: Application
    Filed: August 30, 2004
    Publication date: March 2, 2006
    Inventors: Nathan Czyzewski, Jonathan Kernkraut, Srishti Kohli, Alihan Hotic, Hrushikesh Kar
  • Publication number: 20050234789
    Abstract: Systems, methods and computer readable media provide mechanisms to manage a financial account including a credit line sub-account for managing purchases by the customer and a balance transfer sub-account for managing at least one balance transferred by the customer. Attributes of the balance transfer sub-account define a structured repayment plan. These attributes may include a maximum required periodic payment and a maximum interest rate that are fixed for the life of the balance. The maximum periodic payment may be a fixed amount. These attributes may also include a pay-off date for the balance transfer sub-account. The pay-off date may be customized for the customer. The account may lack minimum purchase requirements on the credit line sub-account. The issuer may lack the ability to reprice the balance transfer sub-account if the customer breaks a rule. The financial account may be a credit card account.
    Type: Application
    Filed: April 14, 2004
    Publication date: October 20, 2005
    Inventors: Nathan Czyzewski, Franco Harris
  • Publication number: 20050209938
    Abstract: Methods, systems, and articles of manufacture for providing a benefit credit card products to customers are disclosed. A financial account provider provides a consumer with a benefit financial account that having conditions associated with it to be used to compare against purchase transactions. The financial account provider applying different account parameters to the purchase transactions to the financial account that satisfy conditions associated with the account than it would apply against standard transactions. The financial account has one or more benefit account parameters that include terms that are more beneficial to the customer than terms associated with the standard account parameters. For example, the benefit account parameter may include an interest rate that is lower than the interest rate included with standard account parameters if a customer purchases exceed a certain amount.
    Type: Application
    Filed: March 19, 2004
    Publication date: September 22, 2005
    Inventors: Nathan Czyzewski, Kevin Shaffer, Srishti Kohli, Jon Kernkraut, Alihan Hotic, Shawn Nghiem
  • Publication number: 20050144105
    Abstract: Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include providing a financial account offer to a customer. The disclosed systems and methods may also include receiving an acceptance of the offer, providing the financial account, setting an account variable equal to a first account value, and monitoring the financial account. The monitoring may further comprise resetting the account variable equal to a second account value when a number of purchase transactions corresponding to a currently monitored time period are less than a threshold value. Furthermore, the account variable may be reset equal to a third account value when the number of purchase transactions corresponding to the currently monitored time period are greater than or equal to the threshold value and a number of purchase transactions corresponding to the previous time period were less than the threshold value.
    Type: Application
    Filed: December 8, 2004
    Publication date: June 30, 2005
    Inventor: Nathan Czyzewski