Lawrence Edward Jenkins

US Patent:

20090222367, Sep 3, 2009

Filed:

Feb 28, 2008

Appl. No.:

12/039305

Inventors:

Lawrence Kevin Jenkins - Richmond VA, US
Michael Ryan Croxton - Richmond VA, US
Matthew T. Flournoy - Midlothian VA, US
Marc G. Nystrom - Richmond VA, US
Julianna S. Byrd - Centreville VA, US

Assignee:

Capital One Financial Corporation - McLean VA

International Classification:

G06Q 40/00
G06K 19/067

US Classification:

705 35

Abstract:

Systems and methods for the activation and use of a temporary financial card are provided. A customer may cause a temporary financial card to be activated and associated with a value, and may give the card to a recipient who may use the temporary financial card to conduct financial transactions.

US Patent:

20120215681, Aug 23, 2012

Filed:

Aug 10, 2011

Appl. No.:

13/207066

Inventors:

Lawrence Kevin JENKINS - Richmond VA, US
Ellen Andrea Falbo - Arlington VA, US
Marc G. Nystrom - Richmond VA, US

Assignee:

Capital One Financial Corporation - McLean VA

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

Techniques for providing pre-qualified and guaranteed financial products are disclosed. In one exemplary embodiment, the techniques may be realized as a computer-implemented method for providing a guaranteed financial product to a customer. The computer-implemented method may include receiving, from a communications device, customer information associated with a user. The computer-implemented method may also include determining, using a financial institution communications device, a credit score and an assessment of the credit-worthiness of the user based on the customer information. The computer-implemented method may further include outputting, to the communications device, the credit score and the assessment of the credit-worthiness of the user. The computer-implemented method may still further include determining, using the financial institution communications device, whether the user is eligible for guaranteed approval for one or more financial products based on the credit score and the assessment of the credit-worthiness of the user.

US Patent:

20170018028, Jan 19, 2017

Filed:

Aug 12, 2010

Appl. No.:

12/855398

Inventors:

Christopher Gatz - Herndon VA, US
Lawrence Kevin Jenkins - Richmond VA, US

Assignee:

Capital One Financial Corporation - McLean VA

International Classification:

G06Q 40/00

Abstract:

A system and method for providing behavior-based credit availability is presented. The described systems and methods may allow for a financial institution to raise a customer's credit line access beyond an initial amount without re-checking a customer's ability to pay. To this end, a customer may be pre-qualified for a credit limit up to a certain amount, but be granted line access to only a portion of that amount. If pre-established behavioral requirements are met, the customer may then receive line access to more of the pre-qualified line of credit, up to the full amount of the pre-qualified credit limit.

Address:

297 N Laburnum Ave APT 1, Richmond, VA 23223

VIN:

1FTPX14V57FA79811

Make:

FORD

Model:

F-150

Year:

2007