Patents by Inventor Tracy M. Pletz

Tracy M. Pletz 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).

  • Method and system for implementing a card product with multiple customized relationships
    Patent number: 8245909
    Abstract: According to one embodiment, the present invention relates to a method and a system for implementing a card product or access mechanism with multiple relationships with an issuing entity (e.g., bank, etc.) where each relationship may be defined by one or more sets of rules that are customized for a particular customer. A computer implemented method and system for implementing a mechanism with multiple customized relationships may involve identifying one or more customized rules for an access mechanism associated with a customer; establishing a plurality of accounts for the customer wherein the plurality of accounts comprise different accounts with different account characteristics; and invoking one of the plurality of accounts for a transaction through the access mechanism, based at least in part on the one or more customized rules; wherein the plurality of accounts share at least one funding account.
    Type: Grant
    Filed: July 21, 2008
    Date of Patent: August 21, 2012
    Assignee: JPMorgan Chase Bank, NA
    Inventors: Tracy M. Pletz, Howard C. Seidel, Joseph Rochford
  • METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS
    Publication number: 20080277465
    Abstract: According to one embodiment, the present invention relates to a method and a system for implementing a card product or access mechanism with multiple relationships with an issuing entity (e.g., bank, etc.) where each relationship may be defined by one or more sets of rules that are customized for a particular customer. A computer implemented method and system for implementing a mechanism with multiple customized relationships may involve identifying one or more customized rules for an access mechanism associated with a customer; establishing a plurality of accounts for the customer wherein the plurality of accounts comprise different accounts with different account characteristics; and invoking one of the plurality of accounts for a transaction through the access mechanism, based at least in part on the one or more customized rules; wherein the plurality of accounts share at least one funding account.
    Type: Application
    Filed: July 21, 2008
    Publication date: November 13, 2008
    Applicant: JPMorgan Chase Bank, NA
    Inventors: Tracy M. Pletz, Howard C. Seidel, Joseph Rochford
  • Method and system for implementing a card product with multiple customized relationships
    Patent number: 7401731
    Abstract: According to one embodiment, the present invention relates to a method and a system for implementing a card product or access mechanism with multiple relationships with an issuing entity (e.g., bank, etc.) where each relationship may be defined by one or more sets of rules that are customized for a particular customer. A computer implemented method and system for implementing a mechanism with multiple customized relationships may involve identifying one or more customized rules for an access mechanism associated with a customer; establishing a plurality of accounts for the customer wherein the plurality of accounts comprise different accounts with different account characteristics; and invoking one of the plurality of accounts for a transaction through the access mechanism, based at least in part on the one or more customized rules; wherein the plurality of accounts share at least one funding account.
    Type: Grant
    Filed: August 12, 2005
    Date of Patent: July 22, 2008
    Assignee: JPMorgan Chase Bank, NA
    Inventors: Tracy M. Pletz, Howard C. Seidel, Joseph Rochford