Michael A Daly

US Patent:

20090048919, Feb 19, 2009

Filed:

Aug 16, 2007

Appl. No.:

11/839733

Inventors:

Michael A. Daly - Avondale PA, US

International Classification:

G06Q 30/00
G06Q 20/00

US Classification:

705 14, 705 27

Abstract:

An online travel reward exchange that in response to receipt of search criteria related to a desired travel product provides a first option for a travel product at a lowest available published price (LAPP) related to at least one desired travel product, and provides a second option to see more travel product options related to the at least one desired travel product.

US Patent:

20100274658, Oct 28, 2010

Filed:

Apr 6, 2010

Appl. No.:

12/754870

Inventors:

Casey Celli - Avondale PA, US
Santiago Hernandez - Newark DE, US
Michael A. Daly - Avondale PA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 30/00
G06Q 40/00

US Classification:

705 1431

Abstract:

A computer system enables a financial institution to award an account reward points when a customer remits a payment in a timely basis. Consequently, the financial institution encourages repayment of debt and recognizes good behavior through reward points every time a payment is received on-time. Each time a customer pays on-time, a credit card company may assign reward points to the customer's account for the amount of the payment. When a payment for a loan has been received in accordance with a reward policy, a number of reward points may be awarded to a customer that is dependent on a payment amount. For example, when the payment amount is at least as great as a minimum due and not greater than a balance due, setting the number of reward points to a constant multiplied by the payment amount. However, the reward points may be determined in a non-linear fashion.

US Patent:

20120271699, Oct 25, 2012

Filed:

Apr 25, 2011

Appl. No.:

13/093368

Inventors:

Erik Stephen Ross - Charlotte NC, US
Michael A. Daly - Avondale PA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 30/00

US Classification:

705 1425

Abstract:

Embodiments of the invention provide for allocating loyalty rewards to a customer in advance of the customer earning the reward based at least in part on historical purchasing performance. For example, in accordance with embodiments of the invention, the customer/participant is rewarded (e.g., provided rewards points or bestowed another reward) at the onset of a year based on the previous year's purchasing behavior/program participation, and as the customer/participant transacts throughout the ensuing year the purchases/transactions are decremented against the reward.

US Patent:

20180076522, Mar 15, 2018

Filed:

Sep 13, 2016

Appl. No.:

15/263550

Inventors:

- San Diego CA, US
John H. Meloling - San Diego CA, US
Michael P. Daly - San Diego CA, US

International Classification:

H01Q 7/00
H01Q 1/22
H01Q 1/48

Abstract:

An antenna comprising: a ground plane having a center; six receive ports mounted to the ground plane in a circular configuration around the center and separated from each other by approximately 60 degrees; three conductive half-loops, disposed in mutually orthogonal planes, wherein each half-loop has two ends that are connected to separate receive ports; and three 180 hybrids, each 180 hybrid having two input ports, a delta output port, and a sum output port, wherein the two input ports of each 180 hybrid are connected to the two receive ports of one of the half-loops.

US Patent:

20180076523, Mar 15, 2018

Filed:

Sep 21, 2016

Appl. No.:

15/272253

Inventors:

- San Diego CA, US
John H. Meloling - San Diego CA, US
Aldo Monges - San Diego CA, US
Michael P. Daly - San Diego CA, US

International Classification:

H01Q 7/00
H01Q 1/48
H01Q 1/50
H01Q 1/22

Abstract:

An antenna comprising: a loop made of conductive material; two baluns connected to, and intersecting, opposing sides of the loop, wherein each balun has an output; a 180 hybrid coupler having two input ports, a sum output port, and a delta output port, wherein the two input ports are connected to the outputs of the baluns; a first low noise amplifier (LNA) connected to the sum output port; a second LNA connected to the delta output port; first and second receivers connected to the first and second LNAs respectively; and wherein the antenna is electrically small and is designed to simultaneously receive wideband signals in real time from 3 to 30 MHz.

US Patent:

20150154629, Jun 4, 2015

Filed:

Feb 11, 2015

Appl. No.:

14/619844

Inventors:

- Charlotte NC, US
Santiago Hernandez - Newark DE, US
Michael A. Daly - Avondale PA, US

International Classification:

G06Q 30/02
G06Q 20/24

Abstract:

A computer system enables a financial institution to award an account reward points when a customer remits a payment in a timely basis. Consequently, the financial institution encourages repayment of debt and recognizes good behavior through reward points every time a payment is received on-time. Each time a customer pays on-time, a credit card company may assign reward points to the customer's account for the amount of the payment. When a payment for a loan has been received in accordance with a reward policy, a number of reward points may be awarded to a customer that is dependent on a payment amount. For example, when the payment amount is at least as great as a minimum due and not greater than a balance due, setting the number of reward points to a constant multiplied by the payment amount. However, the reward points may be determined in a non-linear fashion.