Patents by Inventor Richard A. Exelbert

Richard A. Exelbert 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).

  • USING A TRANSACTION CARD ACCOUNT TO MAKE RECURRING LOAN PAYMENTS
    Publication number: 20130232059
    Abstract: Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill.
    Type: Application
    Filed: April 11, 2013
    Publication date: September 5, 2013
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Ruth L. Aloni, Rebecca R. Deen, Richard A. Exelbert, Elizabeth Langwith, Tamara F. Odinec, Joanne R. Pate, Sheraz Shere, Natalie M. Sunderland, Ian Woolley
  • Using a transaction card account to make recurring loan payments
    Patent number: 8438104
    Abstract: Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requester. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill.
    Type: Grant
    Filed: January 19, 2012
    Date of Patent: May 7, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Ruth L. Aloni, Rebecca R. Deen, Richard A. Exelbert, Elizabeth Langwith, Tamara F. Odinec, Joanne R. Pate, Sheraz Shere, Natalie M. Sunderland, Ian Woolley
  • USING A TRANSACTION CARD ACCOUNT TO MAKE RECURRING LOAN PAYMENTS
    Publication number: 20120116962
    Abstract: Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requester. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill.
    Type: Application
    Filed: January 19, 2012
    Publication date: May 10, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Ruth L. Aloni, Rebecca R. Deen, Richard A. Exelbert, Elizabeth Langwith, Tamara F. Odinec, Joanne R. Pate, Sheraz Shere, Natalie M. Sunderland, Ian Woolley
  • Using a transaction card account to make recurring loan payments
    Patent number: 8117116
    Abstract: A system, method, and computer program product are used to make recurring loan payments (e.g., mortgage payments) through a transaction card account. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requester and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. Periodic debits to the transaction card account are automatically made that correspond to a recurring loan payment amount for the loan.
    Type: Grant
    Filed: December 21, 2006
    Date of Patent: February 14, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Ruth L. Aloni, Rebecca R. Deen, Richard A. Exelbert, Elizabeth Langwith, Tamara F. Odinec, Joanne R. Pate, Sheraz Shere, Natalie M. Sunderland, Ian Woolley
  • Using a transaction card account to make recurring loan payments
    Publication number: 20070198403
    Abstract: A system, method, and computer program product are used to make recurring loan payments (e.g., mortgage payments) through a transaction card account. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requester and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. Periodic debits to the transaction card account are automatically made that correspond to a recurring loan payment amount for the loan.
    Type: Application
    Filed: December 21, 2006
    Publication date: August 23, 2007
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Ruth Aloni, Rebecca Deen, Richard Exelbert, Elizabeth Langwith, Tamara Odinec, Joanne Pate, Sheraz Shere, Natalie Sunderland, Ian Woolley