Patents by Inventor Penny Joines

Penny 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: 7818253
    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: July 20, 2007
    Date of Patent: October 19, 2010
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7809643
    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: October 31, 2007
    Date of Patent: October 5, 2010
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7805368
    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 31, 2007
    Date of Patent: September 28, 2010
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7747463
    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: April 21, 2008
    Date of Patent: June 29, 2010
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7363273
    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: November 15, 2004
    Date of Patent: April 22, 2008
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit Purchasing of Stored Value Card For Use By And/Or Delivery To Others
    Publication number: 20080059373
    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: October 31, 2007
    Publication date: March 6, 2008
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit Purchasing of Stored Value Card for Use By And/Or Delivery to Others
    Publication number: 20080021825
    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: July 20, 2007
    Publication date: January 24, 2008
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit Purchasing Of Stored Value Card For Use By And/Or Delivery To Others
    Publication number: 20070226141
    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 31, 2007
    Publication date: September 27, 2007
    Inventors: Gregory Phillips, Robecca Deporte, Jeffery Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or deliveries to others
    Patent number: 7174315
    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: November 15, 2004
    Date of Patent: February 6, 2007
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7174314
    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: November 15, 2004
    Date of Patent: February 6, 2007
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7174317
    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: November 15, 2004
    Date of Patent: February 6, 2007
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7174316
    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: November 15, 2004
    Date of Patent: February 6, 2007
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Patent number: 7171388
    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: November 15, 2004
    Date of Patent: January 30, 2007
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Gregory Joseph Phillips, Rebecca Deporte, Jeffrey Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20050127168
    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: January 31, 2005
    Publication date: June 16, 2005
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffery Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20050097044
    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: November 15, 2004
    Publication date: May 5, 2005
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffery Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20050097045
    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: November 15, 2004
    Publication date: May 5, 2005
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffery Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20050097042
    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: November 15, 2004
    Publication date: May 5, 2005
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffery Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20050092828
    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: November 15, 2004
    Publication date: May 5, 2005
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffery Norwine, Penny Joines
  • Debit purchasing of stored value card for use by and/or delivery to others
    Publication number: 20050097043
    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: November 15, 2004
    Publication date: May 5, 2005
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffery Norwine, Penny Joines
  • Debit purchasing of stored value car for use by and/or deliveries to others
    Publication number: 20050092829
    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: November 15, 2004
    Publication date: May 5, 2005
    Inventors: Gregory Phillips, Rebecca Deporte, Jeffery Norwine, Penny Joines