Joanne R Pate

Title: Joanne R Pate: Innovator in Financial Technology

Introduction

Joanne R Pate is a notable inventor based in Middletown, NJ (US). She has made significant contributions to the field of financial technology, particularly in the area of loan payment systems. With a total of 2 patents, her work has the potential to streamline the way consumers manage their loan payments.

Latest Patents

Joanne's latest patents focus on using a transaction card account to facilitate recurring loan payments. The first patent describes a system where information is received from a loan company system regarding a loan application. It determines the eligibility of the requester for a loan associated with a transaction card account. If the requester is eligible, the system checks if a transaction card account exists. If not, a new account is created, and the loan payment is linked to this account. The second patent elaborates on the same concept, emphasizing the automatic debits made to the transaction card account that correspond to the recurring loan payment amount.

Career Highlights

Joanne R Pate is currently employed at American Express Travel Related Services Company, Inc. Her role at this prestigious company allows her to apply her innovative ideas in a practical setting, contributing to advancements in financial services.

Collaborations

Joanne has collaborated with several talented individuals, including Ruth L Aloni and Rebecca R Deen. These collaborations have likely enriched her work and expanded the impact of her inventions.

Conclusion

Joanne R Pate is a pioneering inventor whose work in financial technology is shaping the future of loan payment systems. Her patents reflect a commitment to innovation and efficiency in managing financial transactions.