Joanna R Hartzmark

Title: Innovations by Joanna R Hartzmark

Introduction

Joanna R Hartzmark is an accomplished inventor based in Chicago, IL (US). She has made significant contributions to the field of automobile financing through her innovative ideas and patented technologies. With a total of 3 patents, her work focuses on enhancing the buyer's experience in the automotive sales process.

Latest Patents

One of her latest patents is titled "Systems and methods for providing user-controlled automobile financing." This invention discloses methods and systems for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile. It allows the prospective buyer to maintain control over the financing throughout the sales process. According to the disclosed embodiments, a financial service system configures a financing website for the buyer and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.

Career Highlights

Joanna currently works at Capital One Services, LLC, where she continues to develop innovative solutions in the financial services sector. Her expertise in user-controlled financing systems has positioned her as a leader in her field.

Collaborations

Some of her notable coworkers include Katherine D Forrester and Patrick Eberle, who contribute to the collaborative environment that fosters innovation at Capital One Services, LLC.

Conclusion

Joanna R Hartzmark's contributions to automobile financing through her patented inventions demonstrate her commitment to improving the buyer's experience. Her work continues to influence the financial services industry positively.