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).
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Patent number: 8370255Abstract: 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: GrantFiled: July 2, 2010Date of Patent: February 5, 2013Assignee: Capital One Financial CorporationInventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
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Patent number: 7904384Abstract: 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: GrantFiled: October 22, 2007Date of Patent: March 8, 2011Assignee: Capital One Financial CorporationInventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
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Publication number: 20100274700Abstract: 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: ApplicationFiled: July 2, 2010Publication date: October 28, 2010Inventors: Joseph D. Lllly, Colln Jeffrey Ruh, Jeff G. York, Philip G. Walker
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Patent number: 7788170Abstract: 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: GrantFiled: December 6, 2006Date of Patent: August 31, 2010Assignee: Capital One Financial CorporationInventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
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Patent number: 7689502Abstract: 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: GrantFiled: February 12, 2001Date of Patent: March 30, 2010Assignee: Capital One Financial CorporationInventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
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Publication number: 20080228611Abstract: 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: ApplicationFiled: October 22, 2007Publication date: September 18, 2008Inventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
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Publication number: 20020156723Abstract: 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: ApplicationFiled: February 12, 2001Publication date: October 24, 2002Inventors: Joseph D. Lilly, Colin Jeffrey Ruh, Jeff G. York, Philip G. Walker
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Patent number: 5576266Abstract: 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: GrantFiled: February 12, 1996Date of Patent: November 19, 1996Assignee: Eastman Kodak CompanyInventors: Linda Flosenzier, Robert O. James, Philip G. Walker