Latest Patents

Patents imply intellectual property and it has a $ value that can be associated depending on the field and type of patent that is allocated. Patents also increase the enterprise value of the company and help prevent copy-cats from copying the idea without having royalt payments or licencing deals. We like it when companies get patents awarded!. To protect IP companies aggressively file provisional patents even before they have a working product. The below table provides a way to look at what has been done by companies and use this as a factor to make investment decisions.

     
Title Filing Date Publication Date Grant Date
Capturable code for automatically formatting and addressing a text message to … 2022-9-01 2022-12-29
Replacing a customer card payment with a one-time loan at a point of sale 2022-6-01 2022-11-17
Providing a customer with a number of payment scenarios 2022-5-25 2022-12-15
One card 2022-1-25 2022-7-14
Providing a buy now pay later product to a credit account holder 2021-12-03 2023-1-05
Limited use temporary credit account 2021-10-12 2022-2-03
Adding a credit account to a mobile wallet to make a transaction when the … 2021-9-30 2022-1-27
Automatically aggregating, evaluating, and providing a contextually relevant … 2021-9-30 2022-1-27
Method and system for partial application data collection 2021-9-30 2022-1-20
Apply and buy with a co-branded virtual card 2021-7-26 2021-11-18
Mobile number credit prescreen 2020-12-11 2021-6-10
Providing biometric security for mobile loyalty services via a native mobile … 2020-8-13 2020-11-26
Providing real-time replacement credit account information to a customer when … 2020-5-11 2021-1-14
Manage information pertaining to anonymous and known customer activity 2020-4-02 2020-10-15
Middle out loyalty 2020-4-02 2020-10-22
Digital pass with user verification 2020-3-24 2020-10-22
Automatic price and/or reward adjustment by a branded card provider 2020-2-25 2021-5-13
Using anonymous customer and known customer purchasing behavior to develop a … 2020-1-24 2020-10-22
Two device authentication for a credit application 2020-1-16 2020-9-10
Mobile device verification for an electronic application before providing a … 2020-1-03 2022-12-13 2022-12-13
Generating and utilizing a digital pass with user verification and autofill … 2019-12-30 2021-3-04
Distributed risk rules 2019-12-20 2020-11-26
Short-term authorized pass 2019-12-17 2020-6-18
Validating a customer in an electronic transaction 2019-12-12 2022-6-14 2022-6-14
Customer acquisition without initially receiving personally identifiable … 2019-11-25 2021-1-21
Gift card use notification 2019-11-21 2022-9-13 2022-9-13
Distributed credit account information 2019-11-20 2020-11-26
Authenticated account interaction via cellular text message 2019-10-18 2022-9-06 2022-9-06
Out-of-band verification for an electronic application 2019-10-07 2020-5-07
Using a customer id in a mobile wallet to make a transaction 2019-10-02 2020-4-02
Determining attribution for an electronic credit application 2019-9-23 2020-3-26
Terms and conditions summarizing 2019-9-20 2020-5-07
Seamless electronic system and method for application, acceptance of, … 2019-9-16 2020-5-07
Geofencing messaging system 2019-4-03 2019-7-25
Internet-based management of displayed printed media 2019-3-18 2020-4-23
Displaying an electronic product page responsive to scanning a retail item 2019-1-11 2019-5-16
Collecting and analyzing data from a mobile device 2018-11-19 2019-5-30
Mobile credit acquisition 2018-11-19 2019-3-21
Enhancing transactional data with retailer data 2018-8-10 2019-5-02
Intermediary to manage a point exchange across a plurality of different reward … 2018-7-23 2019-8-08
Enhancing revenue of a retailer by making a recommendation to a customer 2018-6-28 2018-10-25
Listening application on a mobile device to limit multiple redemptions of an … 2018-5-23 2019-5-02
Using position location information to pre-populate and verify information on a … 2018-1-24 2019-2-07
Using position location information to pre-populate and verify information on a … 2018-1-24 2023-4-11 2023-4-11
Private label account number protection 2017-10-26 2019-1-03
System and method for a delayed purchase based on input from another 2017-9-11 2018-11-15
Simple checkout 2017-3-07 2018-4-12
Seamless integration of financial information within a mobile retail … 2016-12-29 2018-2-22
Mobile credit acquisition with form population 2016-11-02 2018-2-22
Mobile device initiated concierge experience 2016-8-23 2017-3-02
Clienteling credit suggestion confidence 2016-5-25 2016-12-01
Using micropatterns to motivate a customer 2016-2-12 2017-6-08
Customer queue prioritization through location detection 2016-1-26 2017-2-09
Seamless progression of credit related processes on a mobile device 2015-6-12 2016-1-07
Displaying an animated digital watermark 2015-3-26 2015-7-16
Punchcard check-in system 2015-3-26 2016-6-23
Gamification based performance tracking 2015-3-17 2015-9-17
Custom communication generator 2015-3-10 2016-6-23
Geo-filtering consumers 2015-3-10 2016-9-15
Drivers license look-up 2015-3-03 2016-2-09 2016-2-09
Drivers license parser 2015-3-03 2015-9-03
Collaborative jewelry builder 2015-2-27 2015-9-03
Prioritizing customer service 2015-2-06 2015-8-20
Retail card application 2014-12-30 2016-4-21
Providing dynamic results from a static barcode 2014-12-30 2015-9-03
Collecting and analyzing data for targeted offers 2014-12-29 2019-9-24 2019-9-24
Pre-populating a credit card number field 2014-12-01 2016-6-02
Applying for a credit card account on a mobile device 2014-12-01 2016-6-02
Retail card application 2014-10-16 2021-4-20 2021-4-20
Generating a user dashboard associated with ensembles of retail items 2014-10-07 2016-4-07
Determining preferences of an ensemble of items 2014-10-07 2019-7-16 2019-7-16
Sharing an ensemble of items 2014-10-07 2018-4-24 2018-4-24
Recommending a personalized ensemble 2013-9-30 2015-4-02
Method for displaying items on a 3-D shape 2013-9-30 2017-7-11 2017-7-11
Method and System for Segmenting Customers for Marketing and Other Projects 2008-10-30 2010-5-06
Automated transactional credit system and method for electronic transactions 2007-10-16 2009-4-16
Method and System for Fractionally Allocating Transactions to Marketing Events 2007-5-31 2008-12-04
Market management system 2006-8-31 2007-3-01
System for processing stored value instrument 2005-3-10 2005-9-22
Method and system for performing a retail transaction using a wireless device 2004-1-09 2005-8-11
Interactive voice response quick credit system and associated methods 2002-6-20 2003-12-25
Methods and systems for interactive collection, exchange and redemption of … 2001-12-14 2002-6-24
Methods and system for processing loyalty transactions 2001-11-30 2002-9-12
Method and apparatus for providing consumers with electronic offers from a … 2001-7-24 2002-2-07
Methods and system for processing loyalty transactions 2000-11-30 2002-5-30