Patents by Inventor Toni S. Cluse

Toni S. Cluse 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).

  • Patent number: 7756767
    Abstract: A method for renegotiating a financial instrument includes the steps of initiating a logical session between a client program and a client interface affiliated with a financial institution, displaying financial information relating to a client on the client interface, displaying a message on the client program that a financial instrument of the client may be renegotiated, transmitting a request to renegotiate the financial instrument to the client interface, displaying a disclosure document pertaining to the request to renegotiate, and if the client agrees to accept terms of the disclosure document, displaying a plurality of renegotiation options to the client on the client program, and transmitting a selection of one of the renegotiation options to the client interface.
    Type: Grant
    Filed: January 21, 2004
    Date of Patent: July 13, 2010
    Assignee: Keycorp
    Inventors: Toni S. Cluse, Jeffrey J. Scheidler, David E. Williams