Jennifer Zimmerman

US Patent:

6865547, Mar 8, 2005

Filed:

Feb 16, 2000

Appl. No.:

09/505189

Inventors:

Deborah Schwartz - Wynnewood PA, US
Jennifer Zimmerman - Middletown DE, US

Assignee:

Bank One Delaware, N.A. - Wilmington DE

International Classification:

G06F017/60

US Classification:

705 41, 705 26, 705 35, 705 39, 705 42, 705 44

Abstract:

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA, MASTERCARD, AMERICAN EXPRESS, or DISCOVER. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

US Patent:

7072864, Jul 4, 2006

Filed:

Feb 20, 2003

Appl. No.:

10/370227

Inventors:

Deborah Schwartz - Wynnewood PA, US
Jennifer Zimmerman - Middletown DE, US

Assignee:

Bank One Deleware, N.A. - Wilmington DE

International Classification:

G06F 17/60

US Classification:

705 41, 705 39, 705 35, 705 42, 705 44, 235380

Abstract:

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA, MASTERCARD, AMERICAN EXPRESS, or DISCOVER. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

US Patent:

7660763, Feb 9, 2010

Filed:

May 20, 2005

Appl. No.:

11/134018

Inventors:

Deborah Schwartz - Wynnewood PA, US
Jennifer Zimmerman - Middletown DE, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 36 R, 705 39, 705 40, 707202

Abstract:

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA, MASTERCARD, AMERICAN EXPRESS, or DISCOVER. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

US Patent:

7707111, Apr 27, 2010

Filed:

Aug 13, 2004

Appl. No.:

10/917885

Inventors:

Deborah Schwartz - Wynnewood PA, US
Jennifer Zimmerman - Middletown DE, US

Assignee:

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

International Classification:

G06Q 40/00
G06K 5/00

US Classification:

705 41, 235379, 235380, 235382

Abstract:

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards. The combination of features allows a customer to purchase various goods and services from several different merchants.

US Patent:

7801799, Sep 21, 2010

Filed:

Nov 29, 2005

Appl. No.:

11/289872

Inventors:

Deborah Schwartz - Wynnewood PA, US
Jennifer Zimmerman - Middletown DE, US

Assignee:

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

International Classification:

G06Q 30/00

US Classification:

705 37, 705 35

Abstract:

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those to purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA, MASTERCARD, AMERICAN EXPRESS, or DISCOVER. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

US Patent:

7263507, Aug 28, 2007

Filed:

May 20, 2005

Appl. No.:

11/134638

Inventors:

Deborah Schwartz - Wynnewood PA, US
Jennifer Zimmerman - Middletown DE, US

Assignee:

JP Morgan Chase Bank, N.A. - New York NY

International Classification:

G07F 7/08
G07F 7/12

US Classification:

705 41, 705 39, 705 44, 235380, 235381, 235382

Abstract:

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA, MASTERCARD, AMERICAN EXPRESS, or DISCOVER. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.