Patents by Inventor Penelope Wood-Kulko
Penelope Wood-Kulko 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).
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Patent number: 10176475Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: GrantFiled: October 23, 2013Date of Patent: January 8, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Perry A. Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Publication number: 20180033021Abstract: The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity.Type: ApplicationFiled: July 17, 2017Publication date: February 1, 2018Inventors: Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko
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Publication number: 20140046839Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: ApplicationFiled: October 23, 2013Publication date: February 13, 2014Applicant: American Express Travel Related Services Company, IncInventors: Perry A. Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Publication number: 20140012653Abstract: The invention facilitates a loyalty system which is associated with pre-determined geographic locations and/or services and goods offered in a specific geographic area. The system is configured with one product platform with a modularized approach to facilitate the development of market specific rewards and communication materials. The loyalty points may be earned within a specific geographic location, then redeemed in one geographic location, a subset of locations or without restrictions. Similarly, the loyalty points may be earned in one geographic location, a subset of locations or without restrictions, then redeemed only in a specific geographic location. The geographic features of the system may be implemented using existing data that is associated with geographic areas such as, for example, zip codes, retailer identification codes, service establishment codes and/or the like.Type: ApplicationFiled: September 13, 2013Publication date: January 9, 2014Applicant: PROPULSION REMOTE HOLDINGS, LLCInventors: Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko
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Patent number: 8589225Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: GrantFiled: February 5, 2009Date of Patent: November 19, 2013Assignee: American Expresss Travel Related Services Company, Inc.Inventors: Perry A Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Publication number: 20120197707Abstract: The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity.Type: ApplicationFiled: April 11, 2012Publication date: August 2, 2012Applicant: Propulsion Remote Holdings, LLCInventors: Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko
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Patent number: 8180671Abstract: The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity.Type: GrantFiled: March 11, 2004Date of Patent: May 15, 2012Assignee: Propulsion Remote Holdings, LLCInventors: Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko
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Publication number: 20110035269Abstract: The invention facilitates a loyalty system which is associated with pre-determined geographic locations and/or services and goods offered in a specific geographic area. The system is configured with one product platform with a modularized approach to facilitate the development of market specific rewards and communication materials. The loyalty points may be earned within a specific geographic location, then redeemed in one geographic location, a subset of locations or without restrictions. Similarly, the loyalty points may be earned in one geographic location, a subset of locations or without restrictions, then redeemed only in a specific geographic location. The geographic features of the system may be implemented using existing data that is associated with geographic areas such as, for example, zip codes, retailer identification codes, service establishment codes and/or the like.Type: ApplicationFiled: October 21, 2010Publication date: February 10, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko
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Patent number: 7856377Abstract: The invention facilitates a loyalty system which is associated with pre-determined geographic locations and/or services and goods offered in a specific geographic area. The system is configured with one product platform with a modularized approach to facilitate the development of market specific rewards and communication materials. The loyalty points may be earned within a specific geographic location, then redeemed in one geographic location, a subset of locations or without restrictions. Similarly, the loyalty points may be earned in one geographic location, a subset of locations or without restrictions, then redeemed only in a specific geographic location. The geographic features of the system may be implemented using existing data that is associated with geographic areas such as, for example, zip codes, retailer identification codes, service establishment codes and/or the like.Type: GrantFiled: March 11, 2004Date of Patent: December 21, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko
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Publication number: 20100088174Abstract: The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity.Type: ApplicationFiled: October 30, 2009Publication date: April 8, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko
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Publication number: 20090144136Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: ApplicationFiled: February 5, 2009Publication date: June 4, 2009Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Perry A. Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Patent number: 7503487Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: GrantFiled: October 31, 2007Date of Patent: March 17, 2009Assignee: American Express Travel Related Services Company, Inc.Inventors: Perry A Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Patent number: 7360699Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: GrantFiled: October 17, 2006Date of Patent: April 22, 2008Assignee: American Express Travel Related Services Company, Inc.Inventors: Perry A Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Publication number: 20080052172Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: ApplicationFiled: October 31, 2007Publication date: February 28, 2008Applicant: American Express Travel Related Services Company, INC.Inventors: Perry Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Publication number: 20070084914Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: ApplicationFiled: October 17, 2006Publication date: April 19, 2007Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Perry Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Patent number: 7163145Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: GrantFiled: March 12, 2004Date of Patent: January 16, 2007Assignee: American Express Travel Related Services Co., Inc.Inventors: Perry A. Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko
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Publication number: 20050043992Abstract: The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity.Type: ApplicationFiled: March 11, 2004Publication date: February 24, 2005Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Perry Cohagan, Birgitta Mayer, Julia Menichilli, Theodore Voltmer, Penelope Wood-Kulko
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Publication number: 20040243468Abstract: The invention facilitates a loyalty system which is associated with pre-determined geographic locations and/or services and goods offered in a specific geographic area. The system is configured with one product platform with a modularized approach to facilitate the development of market specific rewards and communication materials. The loyalty points may be earned within a specific geographic location, then redeemed in one geographic location, a subset of locations or without restrictions. Similarly, the loyalty points may be earned in one geographic location, a subset of locations or without restrictions, then redeemed only in a specific geographic location. The geographic features of the system may be implemented using existing data that is associated with geographic areas such as, for example, zip codes, retailer identification codes, service establishment codes and/or the like.Type: ApplicationFiled: March 11, 2004Publication date: December 2, 2004Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko
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Publication number: 20040238620Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.Type: ApplicationFiled: March 12, 2004Publication date: December 2, 2004Applicant: American Express Travel Related Services Company, Inc.Inventors: Perry A. Cohagan, Mary Ann Fitzmaurice, Aliza Freud, Birgitta Mayer, Julia Menichilli, Jason Nanton, Ray Sharp, Scott Vosburgh, Penelope Wood-Kulko