Michael J Cleary

US Patent:

8239323, Aug 7, 2012

Filed:

Sep 23, 2003

Appl. No.:

10/667353

Inventors:

Michael Cleary - Hinsdale IL, US
David Clifton - Westerville OH, US
Dean Ilijasic - Westerville OH, US
David Cohen - New Albany OH, US
Kristine Rodgers - Greenville DE, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 41

Abstract:

The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e. g. , ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.

US Patent:

8463681, Jun 11, 2013

Filed:

Jun 15, 2012

Appl. No.:

13/524301

Inventors:

Michael J. Cleary - Hinsdale IL, US
David A. Clifton - Westerville OH, US
Dean Ilijasic - Westerville OH, US
David C. Cohen - New Albany OH, US
Kristine K. Rodgers - Greenville DE, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 35, 705 38

Abstract:

The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e. g. , ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.

US Patent:

8468072, Jun 18, 2013

Filed:

Aug 8, 2007

Appl. No.:

11/780930

Inventors:

Michael J. Cleary - Hinsdale IL, US
David A. Clifton - Westerville OH, US
Dean Ilijasic - Westerville OH, US
David C. Cohen - New Albany OH, US
Kristine K. Rodgers - Greenville DE, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 35, 705 38

Abstract:

The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e. g. , ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.

US Patent:

20130238486, Sep 12, 2013

Filed:

Apr 24, 2013

Appl. No.:

13/869246

Inventors:

Michael J. Cleary - Hinsdale IL, US
David A. Clifton - Westrville OH, US
Dean Ilijasic - Westerville OH, US
David C. Cohen - New Albany OH, US
Kristine K. Rodgers - Greenville DE, US

Assignee:

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

International Classification:

G06Q 40/02

US Classification:

705 38

Abstract:

The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.

US Patent:

45295514, Jul 16, 1985

Filed:

Jun 6, 1983

Appl. No.:

6/501732

Inventors:

Michael T. Cleary - Elmhurst IL
Santi Kulprathipanja - Hoffman Estates IL
Richard W. Neuzil - Downers Grove IL

Assignee:

UOP Inc. - Des Plaines IL

International Classification:

C11C 108

US Classification:

260419

Abstract:

This invention comprises a process for separating oleic acid from a feed mixture comprising an oleic acid and linoleic acid, which process comprises contacting the mixture at separation conditions with a molecular sieve comprising silicalite, thereby selectively retaining the oleic acid. The oleic acid is recovered from the molecular sieve by displacement with a displacement fluid comprising a diluent soluble in the feed mixture and having a polarity index of at least 3. 5. Displacement occurs at a temperature from about 120. degree. C. to about 150. degree. C. The feed mixture may also contain rosin acids in which case a first molecular sieve comprising silicalite is used to separate the fatty acids from the rosin acids.

US Patent:

44950942, Jan 22, 1985

Filed:

Apr 9, 1984

Appl. No.:

6/598121

Inventors:

Michael T. Cleary - Elmhurst IL

Assignee:

UOP Inc. - Des Plaines IL

International Classification:

C09F 100
C09F 510

US Classification:

260 976

Abstract:

A process for separating a fatty and/or rosin acid from an unsaponifiable compound. A feedstream comprising the acids and unsaponifiable compound is contacted with an aqueous alcohol solvent which is selective for and absorbs the fatty and/or rosin acid. An extract stream comprising the solvent and acids, and a raffinate stream comprising the unsaponifiable compound may then be recovered. The feedstock is best used in a diluent which is preferably a hydrocarbon.

US Patent:

45240299, Jun 18, 1985

Filed:

Sep 22, 1983

Appl. No.:

6/534911

Inventors:

Michael T. Cleary - Elmhurst IL
Santi Kulprathipanja - Hoffman Estates IL
Richard W. Neuzil - Downers Grove IL

Assignee:

UOP Inc. - Des Plaines IL

International Classification:

C11C 108

US Classification:

260419

Abstract:

This invention comprises a process for separating a saturated fatty acid from a feed mixture comprising saturated and unsaturated fatty acids, which process comprises contacting the mixture at separation conditions with a molecular sieve comprising a crystalline silica, thereby selectively retaining the saturated fatty acid. The saturated fatty acid is recovered from the molecular sieve by displacement at displacement conditions with a displacement fluid comprising a diluent soluble in the feed mixture and having a polarity index of at least 3. 5. Amorphous silica is a preferred binder for the molecular sieve.

US Patent:

45115141, Apr 16, 1985

Filed:

Oct 18, 1982

Appl. No.:

6/435134

Inventors:

Michael T. Cleary - Elmhurst IL
Santi Kulprathipanja - Hoffman Estates IL
Richard W. Neuzil - Downers Grove IL

Assignee:

UOP Inc. - Des Plaines IL

International Classification:

C11B 316

US Classification:

260419

Abstract:

This invention comprises a process for separating oleic acid from a feed mixture comprising an oleic acid and linoleic acid, which process comprises contacting the mixture at separation conditions with a molecular sieve comprising silicalite, thereby selectively retaining the oleic acid. The oleic acid may be recovered from the molecular sieve by displacement with a displacement fluid. The feed mixture may also contain rosin acids in which case a first molecular sieve comprising silicalite is used to separate the fatty acids from the rosin acids.