Patents by Inventor Vijesh V. Iyer

Vijesh V. Iyer 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 for administering a credit card with a finance charge waiver period
    Patent number: 7401045
    Abstract: Method and systems for administering a credit card account are disclosed. The method comprises defining a finance charge waiver period for each one or more debits to the credit account. For each debit, it is determined whether a finance charge waiver period associated with a debit has expired. Debits for which the finance charge waiver period has expired are added to a set of billed charges. Finance charges accrue against all debits for which finance charge waiver period has expired. Optionally, a customer may be provided with advance notice of debits for which the finance charge waiver period will soon be expiring.
    Type: Grant
    Filed: March 5, 2001
    Date of Patent: July 15, 2008
    Assignee: Capital One Financial Corporation
    Inventors: Michael Zamsky, Catherine Leicester Ogle, Janet M. Mitro, Vijesh V. Iyer, Kevin Dale Kingston, Derrick Joseph
  • Method for administering a credit card with a finance charge waiver period
    Publication number: 20020165808
    Abstract: Methods and systems for administering a credit card account are disclosed. The method comprises defining a finance charge waiver period for each of one or more debits to the credit card account. For each debit, it is determined whether a finance charge waiver period associated with a debit has expired. Debits are added to a set of billed charges all debits for which the finance charge waiver period has expired. Finance charges accrue against all debits for which the finance charge waiver period has expired. Optionally, a customer may be provided with advance notice of debits for which the finance charge waiver period will soon be expiring.
    Type: Application
    Filed: March 5, 2001
    Publication date: November 7, 2002
    Inventors: Michael Zamsky, Catherine Leicester Ogle, Janet M. Mitro, Vijesh V. Iyer, Kevin Dale Kingston, Derrick Joseph