Patents by Inventor Penny B. Joines

Penny B. Joines 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).

  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 8005756
    Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
    Type: Grant
    Filed: August 16, 2010
    Date of Patent: August 23, 2011
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20100312699
    Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
    Type: Application
    Filed: August 16, 2010
    Publication date: December 9, 2010
    Applicant: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7130828
    Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
    Type: Grant
    Filed: September 26, 2003
    Date of Patent: October 31, 2006
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 6892187
    Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
    Type: Grant
    Filed: May 20, 2003
    Date of Patent: May 10, 2005
    Assignee: Bank One, Delaware, National Association
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20040064412
    Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
    Type: Application
    Filed: September 26, 2003
    Publication date: April 1, 2004
    Applicant: Bank One, Delaware, National Association
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20030195849
    Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
    Type: Application
    Filed: May 20, 2003
    Publication date: October 16, 2003
    Applicant: Bank One, Delaware, National Association
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 6615189
    Abstract: A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
    Type: Grant
    Filed: June 22, 1998
    Date of Patent: September 2, 2003
    Assignee: Bank One, Delaware, National Association
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines