Marc L Fredman

US Patent:

7689504, Mar 30, 2010

Filed:

Oct 31, 2002

Appl. No.:

10/284394

Inventors:

Mary Carter Warren - Baltimore MD, US
Marc L. Fredman - Chicago IL, US
Kimberly L. Hoechst - West Chester PA, US
Douglas A. Filak - Kennett Square PA, US
James C. Steckart - Evanston IL, US
George W. Blossom - West Chester PA, US
Ron E. Jacobs - Wilmington DE, US
Donna M. Barrett - Wilmington DE, US
Donald H. Schmitt - Greenville DE, US
Bradley R. Strock - Landenburg PA, US
Kathleen H. Witsil - Kennett Square PA, US
Karen R. Ehemann - Newark DE, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e. g. , APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e. g. , the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

US Patent:

7743979, Jun 29, 2010

Filed:

Jun 2, 2008

Appl. No.:

12/131302

Inventors:

Marc Lawrence Fredman - Chicago IL, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G07F 19/00

US Classification:

235379, 705 39

Abstract:

According to one embodiment, the present invention relates to a method and a system for reimbursing credit card transactions for health care services and/or products. An exemplary method and system may involve registering a user for reimbursement wherein the user identifies one or more payment mechanisms and one or more reimbursement methods; identifying a user transaction with the one or more payment mechanisms at a merchant wherein the user transaction comprises one or more purchases; receiving merchant data regarding the user transaction; determining reimbursement eligibility of the one or more purchases of the user transaction based at least in part on the merchant data; and reimbursing the user for eligible purchases via the one or more reimbursement methods.

US Patent:

20100179888, Jul 15, 2010

Filed:

Mar 16, 2010

Appl. No.:

12/725077

Inventors:

Mary Carter Warren - Baltimore MD, US
Marc L. Fredman - Chicago IL, US
Kimberly L. Hoechst - West Chester PA, US
Douglas A. Filak - Kennett Square PA, US
James C. Steckart - Evanston IL, US
George W. Blossom - West Chester PA, US
Ron E. Jacobs - Wilmington DE, US
Donna M. Barrett - Wilmington DE, US
Donald H. Schmitt - Greenville DE, US
Bradley R. Strock - Landenburg PA, US
Kathleen H. Witsil - Kennett Square PA, US
Karen R. Ehemann - Newark DE, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G06Q 40/00
G06Q 90/00
G06Q 10/00
G06Q 30/00
G06F 15/16

US Classification:

705 27, 705 35, 705 38, 705500, 705 30, 709217

Abstract:

The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

US Patent:

20140040060, Feb 6, 2014

Filed:

Jul 30, 2013

Appl. No.:

13/954650

Inventors:

Marc Lawrence Fredman - Chicago IL, US

International Classification:

G06Q 30/06

US Classification:

705 261

Abstract:

A system of providing expert analysis of a product or service to a consumer, prior to the consumer buying the product or service. The product or service may include a used car being sold by a private seller. A consumer may request that the car be analyzed by an expert. The seller may receive the request and pick from a list of inspection locations to analyze the car. The seller may bring the car to the inspection location and the expert may analyze the car and upload the results to the consumer for review.

US Patent:

7380707, Jun 3, 2008

Filed:

Feb 25, 2005

Appl. No.:

11/065029

Inventors:

Marc Lawrence Fredman - Chicago IL, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G07F 19/00

US Classification:

235379, 235375

Abstract:

According to one embodiment, the present invention relates to a method and a system for reimbursing credit card transactions for health care services and/or products. An exemplary method and system may involve registering a user for reimbursement wherein the user identifies one or more payment mechanisms and one or more reimbursement methods; identifying a user transaction with the one or more payment mechanisms at a merchant wherein the user transaction comprises one or more purchases; receiving merchant data regarding the user transaction; determining reimbursement eligibility of the one or more purchases of the user transaction based at least in part on the merchant data; and reimbursing the user for eligible purchases via the one or more reimbursement methods.

US Patent:

20220266839, Aug 25, 2022

Filed:

Mar 8, 2022

Appl. No.:

17/689189

Inventors:

- Chicago IL, US
Marc Fredman - Chicago IL, US

International Classification:

B60W 40/09
B60W 50/08
B60W 30/08
B60W 30/10
G08G 1/16
B60K 28/02
B60W 50/00
B60W 50/04
B60W 50/10

Abstract:

A driver assist analysis system includes a processing system and a database that stores vehicle data, vehicle operational data, vehicle accident data, and environmental data related to the configuration and operation of a plurality of vehicles with driver assist systems or features. The driver assist analysis system also includes one or more analysis engines that execute on the processing system to determine one or more driving anomalies (e.g., accidents or poor driving operation) based on the vehicle operational data, and that correlate or determine a relationship between the driving anomalies and the operation of the driver assist systems or features. The driver assist analysis system then determines an effectiveness of operation of one or more of the driver assist systems or features as a statistical measure based on the determined relationship and the driver assist analysis system notifies a user or receiver, such as a manufacturer or an insurance company of the statistical measure.

US Patent:

20210163017, Jun 3, 2021

Filed:

Jan 26, 2021

Appl. No.:

17/158366

Inventors:

- Chicago IL, US
Marc Fredman - Chicago IL, US

International Classification:

B60W 40/09
B60K 28/02
B60W 50/10
B60W 50/08
B60W 50/00
G08G 1/16
B60W 30/08
B60W 50/04
B60W 30/10
G07C 5/08
B60W 30/18

Abstract:

A driver assist analysis system includes a processing system and a database that stores vehicle data, vehicle operational data, vehicle accident data, and environmental data related to the configuration and operation of a plurality of vehicles with driver assist systems or features. The driver assist analysis system also includes one or more analysis engines that execute on the processing system to determine one or more driving anomalies (e.g., accidents or poor driving operation) based on the vehicle operational data, and that correlate or determine a relationship between the driving anomalies and the operation of the driver assist systems or features. The driver assist analysis system then determines an effectiveness of operation of one or more of the driver assist systems or features as a statistical measure based on the determined relationship and the driver assist analysis system notifies a user or receiver, such as a manufacturer or an insurance company of the statistical measure.

US Patent:

20200346656, Nov 5, 2020

Filed:

Jul 23, 2020

Appl. No.:

16/936842

Inventors:

- Chicago IL, US
Marc Fredman - Chicago IL, US

International Classification:

B60W 40/09
B60W 50/10
B60W 50/08
B60W 30/08
B60W 30/10
G08G 1/16
B60K 28/02
B60W 50/00
B60W 50/04

Abstract:

A driver assist design analysis system includes a processing system and a database that stores vehicle data, vehicle operational data, vehicle accident data, and environmental data related to the configuration and operation of a plurality of vehicles with driver assist systems or features. The driver assist design analysis system also includes one or more analysis engines that execute on the processing system to determine one or more driving anomalies (e.g., accidents or poor driving operation) based on the vehicle operational data, and that correlate or determine a statistical relationship between the driving anomalies and the operation of the driver assist systems or features. The driver assist design analysis system then determines an effectiveness of operation of one or more of the driver assist systems or features based on the statistical relationship to determine a potential design flaw in the driver assist systems or features, and the driver assist design analysis system notifies a user or receiver of the potential design flaw.