Patents by Inventor Philip G. Walker

Philip G. Walker 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: 8370255
    Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.
    Type: Grant
    Filed: July 2, 2010
    Date of Patent: February 5, 2013
    Assignee: Capital One Financial Corporation
    Inventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
  • Patent number: 7904384
    Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.
    Type: Grant
    Filed: October 22, 2007
    Date of Patent: March 8, 2011
    Assignee: Capital One Financial Corporation
    Inventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
  • Publication number: 20100274700
    Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.
    Type: Application
    Filed: July 2, 2010
    Publication date: October 28, 2010
    Inventors: Joseph D. Lllly, Colln Jeffrey Ruh, Jeff G. York, Philip G. Walker
  • Patent number: 7788170
    Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.
    Type: Grant
    Filed: December 6, 2006
    Date of Patent: August 31, 2010
    Assignee: Capital One Financial Corporation
    Inventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
  • Patent number: 7689502
    Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.
    Type: Grant
    Filed: February 12, 2001
    Date of Patent: March 30, 2010
    Assignee: Capital One Financial Corporation
    Inventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
  • Publication number: 20080228611
    Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.
    Type: Application
    Filed: October 22, 2007
    Publication date: September 18, 2008
    Inventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
  • Publication number: 20020156723
    Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.
    Type: Application
    Filed: February 12, 2001
    Publication date: October 24, 2002
    Inventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
  • Patent number: 5576266
    Abstract: A dye-donor element for thermal dye transfer comprising a support having on one side thereof a dye layer and on the other side thereof in the direct opposite area to at least a portion of the dye layer, a magnetic recording layer and a slipping layer, in that order.
    Type: Grant
    Filed: February 12, 1996
    Date of Patent: November 19, 1996
    Assignee: Eastman Kodak Company
    Inventors: Linda Flosenzier, Robert O. James, Philip G. Walker