Patents by Inventor Robert A. Stefan

Robert A. Stefan 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 and methods for identifying financial transaction opportunities for individualized offers
    Patent number: 10915915
    Abstract: Systems and methods for identifying financial transaction opportunities for individualized offers are disclosed. In one embodiment a method for offering rewards to a customer of a financial institution may include (1) a server comprising at least one computer processor identifying a customer spending opportunity for a customer to use a financial instrument issued by a financial institution to conduct a transaction involving the customer spending opportunity; (2) the server determining an incentive to offer the customer for using the financial instrument issued by the financial institution to conduct the transaction involving the customer spending opportunity; and (3) the server communicating the incentive to an electronic device associated with the customer.
    Type: Grant
    Filed: August 9, 2016
    Date of Patent: February 9, 2021
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Alex Lieberman, Nitin Bhargava, Ryan Andrew Schlosser, Robert A. Stefan