For the Inventor, By the Inventor

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Columbus, OH, United States of America

Bread Financial Payments, Inc.

USPTO Granted Patents = 18

Trademarks = 62

Forward Citations = 31

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29 inventors (with patents filed for the assignee):

Christian Billman (6 out of 16 patents)

Uchenna Chilaka (5 out of 13 patents)

Jess Lawrence (5 out of 9 patents)

4. Timothy D Pontious (4 out of 6 patents)

5. Celeste Rechner (3 out of 4 patents)

6. Manoj Ram Tammina (3 out of 6 patents)

7. James Walz (2 out of 18 patents)

8. Timothy Jones (2 out of 2 patents)

9. Gabriel Rostorfer (2 out of 2 patents)

10. Joseph Butvin (1 out of 2 patents)

11. Kurt Brown (1 out of 2 patents)

12. Christina Mosholder (1 out of 3 patents)

13. Randall Piatt (1 out of 6 patents)

14. Tom Pugh (1 out of 3 patents)

15. Chris Anderson (1 out of 4 patents)

18 patents: Sort by Forward Citations

1. 12626239 - Providing real-time replacement credit account information to a customer when an existing physical card associated with the credit account is compromised (2026-05-12),

2. 12462259 - Private label account number protection (2025-11-04),

3. 12292955 - Digital pass with user verification (2025-05-06),

4. 12236479 - Determining attribution for an electronic credit application (2025-02-25),

5. 12136081 - Replacing a customer card payment with a one-time loan at a point of sale (2024-11-05),

6. 12051085 - Mobile credit acquisition (2024-07-30),

7. 11972434 - Distributed credit account information (2024-04-30),

8. 11941609 - Adding a credit account to a mobile wallet to make a transaction when the physical card associated with the credit account is unavailable (2024-03-26),

9. 11928676 - Short-term authorized pass (2024-03-12),

10. 11853966 - Internet-based management of displayed printed media (2023-12-26),

11. 11847668 - Automatically aggregating, evaluating, and providing a contextually relevant offer (2023-12-19),

12. 11847636 - Seamless electronic system and method for application, acceptance of, authorizing access to, and tracking purchases made with a new credit account (2023-12-19),

13. 11769000 - Method and system for partial application data collection (2023-09-26),

14. 11727425 - Collecting and analyzing data from a mobile device (2023-08-15),

15. 11727409 - Limited use temporary credit account (2023-08-15),

Company Overview

Bread Financial Payments, Inc. is a financial technology company based in Columbus, Ohio, specializing in providing innovative payment solutions. The organization focuses on enhancing consumer experiences through flexible financing options and seamless digital payment systems. With a commitment to leveraging technology, Bread Financial aims to simplify transactions and improve accessibility for both consumers and merchants. Its expertise spans various sectors, including retail and e-commerce, positioning it as a key player in the evolving landscape of financial services.

Profile summary synthesized from public USPTO records and patent filings.

Company Badge

USPTO Data Jan 1 1976 - Oct 20 2026

18 Patents

#44 in Columbus, OH

#769 in Ohio

#17,974 in US

#34,244 in the World

Columbus, OH, United States of America

Bread Financial Payments, Inc.

Forward Citations = 31

29 inventors:

Christian Billman (6 out of 16 patents)

Uchenna Chilaka (5 out of 13 patents)

Jess Lawrence (5 out of 9 patents)

4. Timothy D Pontious (4 out of 6 patents)

5. Celeste Rechner (3 out of 4 patents)

IDiyas Innovation Intelligence. (2026). Company Patent Portfolio: Bread Financial Payments, Inc.. Retrieved from https://idiyas.com/company/bread-financial-payments

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

Data Sources: USPTO Patent Grant XML, Patent Center, EPO & CIPO • Normalized by IDiyas Innovation Graph. Methodology & provenance architecturePlease report any incorrect information to [email protected]

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