Value metric and comparison interface for payment cards

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 11907993
SERIAL NO

16545619

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Importance

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Abstract

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Techniques are described for determining a value metric for each of a plurality of payment cards, and recommending payment card(s) based on their respective value metrics. Implementations provide a recommendation engine that analyzes user data and card data, and recommends payment card(s) that may be suitable for a user. The engine consumes usage data and credit score and uses that information, along with characteristics of various available cards, to develop a value metric for each payment card that indicates how valuable owning the card would be to the particular user, such as how much money the user can expect to make or lose every year if they use the card as indicated, given the card's interest rate, rewards, fees, and so forth. The engine can rank the cards according to their value metrics, and the top-ranked card(s) are presented to the user as recommendations in a user interface.

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Patent Owner(s)

Patent OwnerAddress
UIPCO LLC9800 FREDERICKSBURG ROAD SAN ANTONIO TX 78288

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Clark, Ryan Saint Augustine, US 25 162
Gregory, Christopher Marietta, US 42 486
Griffin, John San Antonio, US 231 3639
Hicks, Elainie B Boerne, US 1 0
Holstien, Sean Irvine, US 2 3
Joplin, Jarrod Lawrence Austin, US 2 3
Kelley, Audra Austin, US 1 0
Kelley, Christopher Patrick Austin, US 2 3
Mock, Trisha Suzanne Austin, US 2 3
Stevens, Carly Jean Austin, US 2 3
Williams, Cornelius San Antonio, US 2 3
Zaharia, Daniel Ronald Austin, US 2 3

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Aug 20, 2027
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