Patents by Inventor Richard J. Jaros

Richard J. Jaros 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).

  • Systems, methods, and apparatus for instant issuance of a transaction card
    Patent number: 7302719
    Abstract: Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card includes means for receiving a credit card application from an applicant, means for instantly decisioning the credit card application, if declined, means for instantly notifying the applicant of that decision, and if approved, means for instantly issuing the credit card. The instant issuance credit card system can also receive a security deposit from the applicant where a determination is made that the applicant may need to remit a security deposit in order to secure the credit card. A decision to require security deposit may be based on the credit history of the applicant. A method for instantly issuing a credit card is also provided. Additionally, an apparatus for remotely dispensing a credit card is provided.
    Type: Grant
    Filed: October 20, 2006
    Date of Patent: December 4, 2007
    Assignee: Capital One Financial Corporation
    Inventors: Richard J. Jaros, Monique J. Steadman
  • Systems, methods, and apparatus for instant issuance of a credit card
    Patent number: 7131583
    Abstract: Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card includes means for receiving a credit card application from an applicant, means for instantly decisioning the credit card application, if declined, means for instantly notifying the applicant of that decision, and if approved, means for instantly issuing the credit card. The instant issuance credit card system can also receive a security deposit from the applicant where a determination is made that the applicant may need to remit a security deposit in order to secure the credit card. A decision to require security deposit may be based on the credit history of the applicant. A method for instantly issuing a credit card is also provided. Additionally, an apparatus for remotely dispensing a credit card is provided.
    Type: Grant
    Filed: April 5, 2005
    Date of Patent: November 7, 2006
    Assignee: Capital One Financial Corporation
    Inventors: Richard J. Jaros, Monique J. Steadman
  • Systems, methods, and apparatus for instant issuance of a credit card
    Patent number: 6877656
    Abstract: Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card includes means for receiving a credit card application from an applicant, means for instantly decisioning the credit card application, if declined, means for instantly notifying the applicant of that decision, and if approved, means for instantly issuing the credit card. The instant issuance credit card system can also receive a security deposit from the applicant where a determination is made that the applicant may need to remit a security deposit in order to secure the credit card. A decision to require security deposit may be based on the credit history of the applicant. A method for instantly issuing a credit card is also provided. Additionally, an apparatus for remotely dispensing a credit card is provided.
    Type: Grant
    Filed: October 24, 2000
    Date of Patent: April 12, 2005
    Assignee: Capital One Financial Corporation
    Inventors: Richard J. Jaros, Monique J. Steadman