Patents by Inventor Robert Arthur Kottmeier, Jr.

Robert Arthur Kottmeier, Jr. 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).

  • System and method for providing a credit card with multiple credit lines
    Patent number: 10580072
    Abstract: A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line.
    Type: Grant
    Filed: January 10, 2018
    Date of Patent: March 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Robert Arthur Kottmeier, Jr., Scott Barton
  • SYSTEM AND METHOD FOR PROVIDING A CREDIT CARD WITH MULTIPLE CREDIT LINES
    Publication number: 20180130128
    Abstract: A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line.
    Type: Application
    Filed: January 10, 2018
    Publication date: May 10, 2018
    Inventors: Robert Arthur Kottmeier, JR., Scott Barton
  • SYSTEM AND METHOD FOR PROVIDING A CREDIT CARD WITH MULTIPLE CREDIT LINES
    Publication number: 20140058924
    Abstract: A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line.
    Type: Application
    Filed: August 19, 2013
    Publication date: February 27, 2014
    Applicant: Capital One Financial Corporation
    Inventors: Robert Arthur Kottmeier, JR., Scott Barton
  • System and method for providing a credit card with multiple credit lines
    Patent number: 8560440
    Abstract: A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line.
    Type: Grant
    Filed: November 30, 2007
    Date of Patent: October 15, 2013
    Assignee: Capital One Financial Corporation
    Inventors: Robert Arthur Kottmeier, Jr., Scott Barton
  • System and method for providing a credit card with multiple credit lines
    Patent number: 7406442
    Abstract: A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line.
    Type: Grant
    Filed: September 11, 2000
    Date of Patent: July 29, 2008
    Assignee: Capital One Financial Corporation
    Inventors: Robert Arthur Kottmeier, Jr., Scott Barton