Capital One Financial Corporation

Capital One Services, LLC

Charles Aaron Rosenblatt

Frank L Rotman

Tyler C Hobbs

Scott David Grimes

Daniel R O'Malley

Robert Minter Alexander, Iv

Eric D Fox

Gregory Willard Lambert

Chitra Jain

Robert Jerome Greenberg

Alice K Wheeler

Vikas Goel

Michele Shiber Deane

Clyde Samuel Edmonds, Jr

Jessica Ann Turner

A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days.

Method and system for automatically collecting payment for a credit account

Method for processing a transaction, the method comprising automatically requesting a transfer from a source account to a destination account via a communication link, receiving the transfer, adjusting destination account data associated with the destination account by increasing a balance of the destination account by an amount of the transfer, receiving transaction data from a merchant indicating an attempted transaction, the transaction data including a transaction amount and data identifying the destination account, and processing the attempted transaction.

System and method for processing and for funding a transaction

According to certain embodiments of the present invention, systems and methods are provided for providing a consumer with a rebate on purchases, which are made, for example, at a merchant. The rebate may be in a variety of forms. According to one aspect the rebate may be a reduction in the purchase price associated with a transaction. According to another aspect the rebate may be in the form of cash or an item having value being delivered to the consumer. The rebate may be provided at the Point of Sale. The rebate may be determined by a number of different criteria including purchase price, transaction frequency, predetermined time intervals, consumer loyalty, Point of Sale location, or any combination of these and other criteria.

System and method for point of sale cash rebates

Methods and systems are disclosed for automatically preventing delinquency of payment on financial accounts. In one implementation, methods or systems may be provided for associating a credit cardholder's account to the cardholder's bank account. If the cardholder fails to make a required monthly payment on the credit card account, the required payment is automatically withdrawn from the bank account prior to credit card account being reported as delinquent.

Systems and methods for automatically preventing delinquency of payment on financial accounts

A transaction card, including a substrate having a front face and a back face, a first magnetic stripe for storing data associated with a credit account, the first magnetic stripe being located along an edge of the back face, a second magnetic stripe for storing data associated with a rewards account, the second magnetic stripe being located along another edge of the back face, and account information located on the front face, the account information being associated with the credit account and the rewards account.

System and method for redeeming rewards and incentives

Systems and methods for providing gifts are described. In one exemplary embodiment, the systems and methods may include receiving financial card distribution information from a consumer, wherein the financial card distribution information identifies at least one recipient for a financial card and a predetermined delivery time for providing the financial card to the recipient, storing the financial card distribution information in a database, such that the stored financial card distribution information is associated with the consumer, and preparing a communication to the recipient to provide the financial card to the recipient at the predetermined delivery time.

Systems and methods for automatically distributing gifts to recipients on behalf of customers

Transaction card comprising a substrate having a front face and a back face, a first magnetic stripe for storing data associated with a credit account, the first magnetic stripe being located along an edge of the back face, a second magnetic stripe for storing data associated with a rewards account, the second magnetic stripe being located along another edge of the back face, and account information located on the front face, the account information being associated with the credit account and the rewards account.

Growing community of inventors

Richmond, VA, United States of America

Charles Aaron Rosenblatt