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Bread Financial (BFH)

48 patents

Page 2 of 3
Utility
Gift Card Use Notification
4 Mar 21
A system and method for gift card use notification is disclosed.
Melissa HOAR
Filed: 21 Nov 19
Utility
Mobile number credit prescreen
23 Feb 21
A method for mobile number credit prescreen is disclosed.
Adam Koltnow, James Walz
Filed: 23 Feb 16
Utility
One Card
18 Feb 21
A system and method for combining at least two similarly managed credit accounts into a single ONE card account is described.
Chris ANDERSON, Jess LAWRENCE, Manoj Ram TAMMINA
Filed: 19 Nov 19
Utility
Customer Acquisition without Initially Receiving Personally Identifiable Information (Pii)
21 Jan 21
A system and method for customer acquisition without initially receiving PII is disclosed.
Timothy D. Pontious, Christina Mosholder, Nicole Meade
Filed: 25 Nov 19
Utility
Providing Real-time Replacement Credit Account Information to a Customer When an Existing Physical Card Associated with the Credit Account Is Compromised
14 Jan 21
A system and method for providing real-time replacement credit account information to a customer when existing credit account information is compromised.
Ann BRADSTREET
Filed: 11 May 20
Utility
Validating a Customer In an Electronic Transaction
2 Dec 20
In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer.
Christian BILLMAN, Uchenna CHILAKA, Christina MOSHOLDER, Randall PIATT, Timothy D. PONTIOUS, Tom PUGH, Celeste RECHNER
Filed: 11 Dec 19
Utility
Distributed Credit Account Information
25 Nov 20
A system and method for distributed credit account information is disclosed.
Christian BILLMAN, Uchenna CHILAKA, Jess LAWRENCE
Filed: 19 Nov 19
Utility
Providing Biometric Security for Mobile Loyalty Services Via a Native Mobile Application
25 Nov 20
In a computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application a physical location of a mobile device are accessed by a single native mobile application executing on the mobile device, wherein the physical location is accessed in response to a user initiating access to the mobile loyalty services.
James WALZ, David NACK, Randall PIATT, Adam KOLTNOW
Filed: 12 Aug 20
Utility
Distributed Risk Rules
25 Nov 20
A system and method for distributed risk rules is disclosed.
Christian BILLMAN, Uchenna CHILAKA, Tom PUGH
Filed: 19 Dec 19
Utility
Providing mobile loyalty services via a native mobile application
2 Nov 20
In a computer-implemented method for providing mobile loyalty services via a native mobile application, mobile payment is provided via a mobile device through a native mobile application of the mobile device, wherein the native mobile application is provided by a single party.
James Walz, David Nack, Randall Piatt, Adam Koltnow
Filed: 30 Aug 15
Utility
Digital Pass with User Verification
21 Oct 20
A system and method for a digital pass with user verification is disclosed.
Christian BILLMAN, Jess LAWRENCE, Ryan MILLER, Timothy D. PONTIOUS, Gabriel ROSTORFER, Manoj Ram TAMMINA
Filed: 23 Mar 20
Utility
Using Anonymous Customer and Known Customer Purchasing Behavior to Develop a Marketing Strategy
21 Oct 20
Methods and systems for enhancing customer purchasing behavior are disclosed.
Mike SCHMIDT
Filed: 23 Jan 20
Utility
Middle Out Loyalty
21 Oct 20
A system and method for dynamically assigning a middle out loyalty is disclosed.
Joseph BUTVIN, Michael HANCOCK, Elizabeth PAPAS
Filed: 1 Apr 20
Utility
Manage Information Pertaining to Anonymous and Known Customer Activity
14 Oct 20
Managing information pertaining to anonymous and/or known customer activity is disclosed.
Chris ANDERSON, Jess LAWRENCE, Manoj Ram TAMMINA
Filed: 1 Apr 20
Utility
Adding a Credit Account to a Mobile Wallet to Make a Transaction When the Physical Card Associated with the Credit Account Is Unavailable
7 Oct 20
A system and method for adding a virtual credit account to a mobile device is disclosed.
Chris ANDERSON, Jess LAWRENCE, Manoj Ram TAMMINA
Filed: 9 Dec 19
Utility
Providing biometric security for mobile loyalty services via a native mobile application
21 Sep 20
In a computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application a physical location of a mobile device are accessed by a single native mobile application executing on the mobile device, wherein the physical location is accessed in response to a user initiating access to the mobile loyalty services.
James Walz, David Nack, Randall Piatt, Adam Koltnow
Filed: 30 Aug 15
Utility
Capturable Code for Automatically Formatting and Addressing a Text Message to Apply for an Offer
16 Sep 20
A capturable code for automatically formatting and addressing a text message to apply for an offer is disclosed.
Chris ANDERSON, Manoj Ram TAMMINA, Jess LAWRENCE
Filed: 13 Nov 19
Utility
Two Device Authentication for a Credit Application
9 Sep 20
A two device authentication for a credit application is disclosed.
Chris ANDERSON, Jess LAWRENCE, Manoj Ram TAMMINA
Filed: 15 Jan 20
Utility
Custom communication generator
27 Jul 20
A system for generating a customized communication with a customer is described, and includes: a near field communication (NFC) reader for receiving, from the customer, a request for an interaction; an input device for receiving an input from the customer, wherein the input includes a customer credential; a processor for: receiving a request, from a near field communication (NFC) enabled device, for an interaction with a customer; requesting a valid customer credential from the customer; receiving an input from the customer in response to a request for the valid customer credential to achieve a received customer credential; determining a validity of the received customer credential; and generating, after the determining the validity of the received customer credential, client information customized for the customer based upon a customer account linked to a determined valid customer credential to achieve a generated customized client information.
Ramesh Korra, Randy West, James Walz
Filed: 9 Mar 15
Utility
Short-term Certificate
17 Jun 20
A short-term certificate is disclosed.
Suman Rao JANGAMA, Steinn JONSSON, Jess LAWRENCE, Gabriel ROSTORFER, Bipin SADHWANI, Vinayak SWAMINATHAN, Manoj Ram TAMMINA
Filed: 16 Dec 19
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