Tommy C Constantine

US Patent:

7607570, Oct 27, 2009

Filed:

May 7, 2004

Appl. No.:

10/841062

Inventors:

Tommy Constantine - Scottsdale AZ, US

Assignee:

Eufora, LLC - Scottsdale AZ

International Classification:

G06K 5/00

US Classification:

235375, 235382

Abstract:

A method for building credit may include providing an authorized user of a pre-paid card issued by a service provider. The service provider may charge the authorized user a fee for the pre-paid card and establish a loan loaning the authorized user an amount equal to the fee under loan terms specifying a repayment schedule. The repayment schedule may include periodic installments and a minimum amount due for each of the periodic installments, where the loan may be independent from the load applied to the pre-paid card. The authorized user repays the loan in accordance with the loan terms so as to create a credit history. The service provider may report the credit history to a credit bureau to improve a credit score of the authorized user.

US Patent:

7850070, Dec 14, 2010

Filed:

Aug 18, 2009

Appl. No.:

12/543302

Inventors:

Tommy Constantine - Scottsdale AZ, US

Assignee:

Eufora, LLC - Scottsdale AZ

International Classification:

G06K 5/00

US Classification:

235375, 235382

Abstract:

A method for improving credit of a cardholder of a prepaid card. The method may include establishing an account associated with the prepaid card. A load may be applied to the account to create an available balance for the cardholder. A credit instrument associated with the cardholder and the prepaid card may be established. An initial credit balance to the credit instrument may also be established. Payment from the cardholder may be collected, and, in response to collecting the payment from the cardholder, at least a portion of the collected payment may be applied to the credit instrument associated with the cardholder and the prepaid card. A credit history of the cardholder may be updated and reported to at least one credit bureau.

US Patent:

7866547, Jan 11, 2011

Filed:

Mar 25, 2004

Appl. No.:

10/809015

Inventors:

Tommy Constantine - Scottsdale AZ, US

Assignee:

Eufora, LLC - Scottsdale AZ

International Classification:

G06F 17/60

US Classification:

235380, 235379

Abstract:

A method includes providing an authorized user of a credit card issued by a service provider, the authorized user referring customers to the service provider for credit card services, the customers submitting applications for credit card services to the service provider, the service provider receiving and processing and approving the applications and issuing credit cards to the customers, and in consideration therefore issuing valuable consideration to the authorized user.

US Patent:

8020755, Sep 20, 2011

Filed:

Dec 13, 2010

Appl. No.:

12/966477

Inventors:

Tommy Constantine - Scottsdale AZ, US

Assignee:

Eufora LLC - Scottsdale AZ

International Classification:

G06K 5/00

US Classification:

235375, 235382

Abstract:

A method for enhancing credit of a cardholder of a pre-paid card may include issuing a pre-paid card to a cardholder. The cardholder may be charged a fee to establish a credit instrument associated with an account and the pre-paid card. The cardholder may be billed a portion of the credit instrument that includes the fee on a periodic basis, where the billing may be independent of billing for purchases of goods and services with the pre-paid card. A determination as to whether the cardholder timely paid the bill. If the cardholder timely paid the bill, then the payment may be recorded as being timely paid. Otherwise, a recording may be made that the bill was not timely paid. A reporting as to the timeliness of the payment may be made to affect a credit rating of the cardholder.

US Patent:

8387861, Mar 5, 2013

Filed:

Sep 14, 2011

Appl. No.:

13/232567

Inventors:

Tommy Constantine - Scottsdale AZ, US

Assignee:

Eufora LLC - Scottsdale AZ

International Classification:

G06K 5/00

US Classification:

235375, 235382

Abstract:

A method for enhancing credit of a cardholder of a pre-paid card may include issuing a pre-paid card to a cardholder. The cardholder may be charged a fee to establish a credit instrument associated with an account and the pre-paid card. The cardholder may be billed a portion of the credit instrument that includes the fee on a periodic basis, where the billing may be independent of billing for purchases of goods and services with the pre-paid card. A determination as to whether the cardholder timely paid the bill. If the cardholder timely paid the bill, then the payment may be recorded as being timely paid. Otherwise, a recording may be made that the bill was not timely paid. A reporting as to the timeliness of the payment may be made to affect a credit rating of the cardholder.

US Patent:

8622287, Jan 7, 2014

Filed:

Mar 4, 2013

Appl. No.:

13/784549

Inventors:

Tommy Constantine - Scottsdale AZ, US

Assignee:

Eufora LLC - Scottsdale AZ

International Classification:

G06K 5/00

US Classification:

235375, 235382

Abstract:

A method for enhancing credit of a cardholder of a pre-paid card may include issuing a pre-paid card to a cardholder. The cardholder may be charged a fee to establish a credit instrument associated with an account and the pre-paid card. The cardholder may be billed a portion of the credit instrument that includes the fee on a periodic basis, where the billing may be independent of billing for purchases of goods and services with the pre-paid card. A determination as to whether the cardholder timely paid the bill. If the cardholder timely paid the bill, then the payment may be recorded as being timely paid. Otherwise, a recording may be made that the bill was not timely paid. A reporting as to the timeliness of the payment may be made to affect a credit score of the cardholder.

US Patent:

20110145136, Jun 16, 2011

Filed:

Jan 10, 2011

Appl. No.:

12/987895

Inventors:

Tommy Constantine - Scottsdale AZ, US

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

A method for enhancing value of a credit card may include providing an authorized user of a credit card issued by a service provider. A set of applications may be received from a set of referrals of the authorized user for credit card services. The set of applications from the set of referrals may be processed. A credit card may be issued to each of the referrals that qualify for the credit card, where the referrals issued credit cards define a set of customers. Valuable consideration may be issued to the authorized user, where the valuable consideration may be based on the number of customers in the set of customers.

US Patent:

6739506, May 25, 2004

Filed:

Oct 2, 2002

Appl. No.:

10/263321

Inventors:

Tommy Constantine - Scottsdale AZ 85202

International Classification:

G06K 500

US Classification:

235380, 235379, 235381, 235382

Abstract:

A method includes providing an authorized user of a credit card issued by a service provider, the authorized user referring customers to the service provider for credit card services, the customers submitting applications for credit card services to the service provider, the service provider receiving and processing and approving the applications and issuing credit cards to the customers, and in consideration therefore issuing valuable consideration to the authorized user.