Company Filing History:
12 out of 2,009 
2 out of 8 Years Active: 2003-2011
Title: **Penny B. Joines: A Pioneer in Payment Innovation**
Introduction
Penny B. Joines, an accomplished inventor based in Media, PA, has made significant contributions to the field of financial technology through her innovative inventions. With a remarkable portfolio of 14 patents, she has become a notable figure in the industry, particularly in the area of payment systems.
Latest Patents
One of Penny's latest patents includes a method for debit purchasing of stored value cards for use by and/or delivery to others. This invention outlines a comprehensive process for issuing a purchase card, which includes several pivotal steps: presenting potential buyers with the opportunity to acquire the purchase card, evaluating the purchaser's funds, establishing a purchase card account for a recipient, and finally, issuing the purchase card. This card can also be linked to credit cards, providing additional benefits such as rebates on purchases. The versatility of converting purchase cards to credit cards further underlines the innovative nature of her work.
Career Highlights
Throughout her career, Penny has held significant positions in major financial institutions, including JPMorgan Chase Bank, N.A. and Bank One, Delaware, National Association. Her experience in these renowned companies has provided her with a deep understanding of the financial sector, which has undoubtedly fueled her inventive pursuits.
Collaborations
Penny has collaborated with several professionals, among them Gregory Joseph Phillips and Rebecca Deporte. These partnerships have likely contributed to the success and refinement of her inventions, highlighting the collaborative spirit that often fuels innovation.
Conclusion
Penny B. Joines is a remarkable inventor whose patents have advanced the payment systems landscape. Her work not only reflects her expertise in financial technology but also signifies a broader trend of innovation that continues to shape the industry. With each patent, Penny paves the way for new and improved methods of financial transactions, making her an inspiring figure for future inventors and innovators.