Maria Teresita Vicente - Marlton NJ, US Frank Cawley Dragotta - Philadelphia PA, US Manning R. Field - Media PA, US Joy Lynn Koppenhaver - Bear DE, US James Samuel Moed - Baltimore MD, US Ryan Alan Jacoby - New York NY, US Ian Michael Groulx - Oakland CA, US Kevin Thomas Dame - San Francisco CA, US Heather Margaret Emerson - San Francisco CA, US Jennifer C. McGarry - Haddonfield NJ, US
Assignee:
JPMorgan Chase Bank, N.A. - New York NY
International Classification:
G06Q 40/00
US Classification:
705 40, 705 39
Abstract:
A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.
Maria Teresita Vicente - Marlton NJ, US Frank Cawley Dragotta - Philadelphia PA, US Manning R. Field - Media PA, US Joy Lynn Koppenhaver - Bear DE, US James Samuel Moed - Baltimore MD, US Ryan Alan Jacoby - New York NY, US Ian Michael Groulx - Oakland CA, US Kevin Thomas Dame - San Francisco CA, US Heather Margaret Emerson - San Francisco CA, US Jennifer C. McGarry - Haddonfield NJ, US
Assignee:
JPMorgan Chase Bank, N.A. - New York NY
International Classification:
G06Q 40/00
US Classification:
705 40, 705 39
Abstract:
A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.
Maria Teresita Vicente - Marlton NJ, US Frank Cawley Dragotta - Philadelphia PA, US Manning R. Field - Media PA, US Joy Lynn Koppenhaver - Bear DE, US James Samuel Moed - Baltimore MD, US Ryan Alan Jacoby - New York NY, US Ian Michael Groulx - Oakland CA, US Kevin Thomas Dame - San Francisco CA, US Heather Margaret Emerson - San Francisco CA, US Jennifer C. McGarry - Haddonfield NJ, US
Assignee:
JPMorgan Chase Bank, N.A. - New York NY
International Classification:
G06Q 40/00
US Classification:
705 35, 705 40
Abstract:
A system and method providing a borrowing scheme. The method comprises the steps of: receiving a time-based spending alert threshold designation from a user via the network; receiving at least one category of transaction designations from the user via the network, wherein each of the categories is associated with a portion of the time-based spending alert threshold designation; automatically allocating user transactions among the categories using the programmed computer processor; notifying the user via the network of the portion of the time-based spending alert threshold designation for a particular category that is being approached or surpassed; and automatically modifying the portion of the time-based spending alert threshold designation for the particular category for the upcoming period of time if the limit is surpassed, wherein the modification is performed by the programmed computer processor.
Frank Cawley Dragotta - Philadelphia PA, US Manning R. Field - Media PA, US Joy Lynn Koppenhaver - Bear DE, US James Samuel Moed - Baltimore MD, US Ryan Alan Jacoby - New York NY, US Ian Michael Groulx - Oakland CA, US Kevin Thomas Dame - San Francisco CA, US Heather Margaret Emerson - San Francisco CA, US Jennifer C. McGarry - Haddonfield NJ, US
Assignee:
JPMorgan Chase Bank, N.A. - New York NY
International Classification:
G06Q 20/24
US Classification:
705 40
Abstract:
A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network
Maria Teresita Vicente - Marlton NJ, US Frank Cawley Dragotta - Philadelphia PA, US Manning R. Field - Media PA, US Joy Lynn Koppenhaver - Bear DE, US James Samuel Moed - Baltimore MD, US Ryan Alan Jacoby - New York NY, US Ian Michael Groulx - Oakland CA, US Kevin Thomas Dame - San Francisco CA, US Heather Margaret Emerson - San Francisco CA, US Jennifer C. McGarry - Haddonfield NJ, US
Assignee:
JPMorgan Chase Bank, N.A. - New York NY
International Classification:
G06Q 40/00
US Classification:
705 38, 705 35
Abstract:
The method according to exemplary embodiments comprises establishing an interest-free revolving amount or account, establishing a periodic payment for maintaining the interest-free revolving amount or account, and automatically revising the interest-free revolving amount or account or the periodic payment based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via a network.
Name / Title
Company / Classification
Phones & Addresses
James Moed Executive Officer
Moed, James Lumber and Other Building Materials Dealers
Viasat Inc.
Senior Product Director, Community Wifi
Vimpelcom Oct 2016 - Apr 2018
Director of Design and User Experience
Ideo Jan 2013 - Nov 2013
Portfolio Director, Financial Service Design
Ideo Jan 2011 - Jan 2013
Portfolio Lead - Financial Service Design
Ideo Jul 2007 - Jan 2011
Business Designer and Project Leader
Education:
Insead 2002 - 2003
Master of Business Administration, Masters
Brown University Sep 1993 - Apr 1997
Bachelors, Bachelor of Arts, International Relations
Skills:
Design Thinking Strategy Design Strategy User Centered Design User Experience Service Design Experience Design Start Ups User Experience Design Ethnography Concept Development User Research Innovation Management Customer Insight Design Management Innovation Consulting Rapid Prototyping Information Design Industrial Design Concept Design Persona