BREAD FINANCIAL HOLDINGS, INC. Active Patents
17 granted patents the USPTO still lists as patented, newest filing first, as the USPTO Open Data Portal records them; the company is the first-named applicant. The application number opens the full record at Patent Center.
- 2022-10-19: Application 18048026; Invention MOBILE CREDIT ACQUISITION; Applicant BREAD FINANCIAL PAYMENTS, INC.; Status Patented Case.
- 2022-06-01: Application 17804854; Invention REPLACING A CUSTOMER CARD PAYMENT WITH A ONE-TIME LOAN AT A POINT OF SALE; Applicant BREAD FINANCIAL PAYMENTS, INC.; Status Patented Case.
- 2021-10-12: Application 17499855; Invention LIMITED USE TEMPORARY CREDIT ACCOUNT; Applicant BREAD FINANCIAL PAYMENTS, INC.; Status Patented Case.
- 2021-09-30: Application 17491524; Invention ADDING A CREDIT ACCOUNT TO A MOBILE WALLET TO MAKE A TRANSACTION WHEN THE PHYSICAL CARD ASSOCIATED WITH THE CREDIT ACCOUNT IS UNAVAILABLE; Applicant BREAD FINANCIAL PAYMENTS, INC.; Status Patented Case.
| Filed | Application | Invention | Applicant | Status | Granted | Patent | Published as | Inventor name | Inventor country | Examiner |
|---|---|---|---|---|---|---|---|---|---|---|
| 2022-10-19 | 18048026 | MOBILE CREDIT ACQUISITION | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2024-07-30 | 12051085 | US20230230120A1 | Adam KOLTNOW James WALZ | United States United States | ANDREI, RADU |
| 2022-06-01 | 17804854 | REPLACING A CUSTOMER CARD PAYMENT WITH A ONE-TIME LOAN AT A POINT OF SALE | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2024-11-05 | 12136081 | US20220366398A1 | Joseph BUTVIN Kurt BROWN | United States United States | POINVIL, FRANTZY |
| 2021-10-12 | 17499855 | LIMITED USE TEMPORARY CREDIT ACCOUNT | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2023-08-15 | 11727409 | US20220036453A1 | Timothy D. Pontious Celeste Rechner | United States United States | HUDSON, MARLA LAVETTE |
| 2021-09-30 | 17491524 | ADDING A CREDIT ACCOUNT TO A MOBILE WALLET TO MAKE A TRANSACTION WHEN THE PHYSICAL CARD ASSOCIATED WITH THE CREDIT ACCOUNT IS UNAVAILABLE | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2024-03-26 | 11941609 | US20220027891A1 | Chris ANDERSON Jess LAWRENCE Manoj Ram TAMMINA | United States United States United States | POINVIL, FRANTZY |
| 2021-09-30 | 17491515 | METHOD AND SYSTEM FOR PARTIAL APPLICATION DATA COLLECTION | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2023-09-26 | 11769000 | US20220019733A1 | Christian BILLMAN Uchenna CHILAKA | United States United States | AMIN, MUSTAFA A |
| 2021-09-30 | 17491507 | AUTOMATICALLY AGGREGATING, EVALUATING, AND PROVIDING A CONTEXTUALLY RELEVANT OFFER | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2023-12-19 | 11847668 | US20220027934A1 | Shannon ANDRICK | United States | EZEWOKO, MICHAEL I |
| 2020-05-11 | 16872240 | PROVIDING REAL-TIME REPLACEMENT CREDIT ACCOUNT INFORMATION TO A CUSTOMER WHEN AN EXISTING PHYSICAL CARD ASSOCIATED WITH THE CREDIT ACCOUNT IS COMPROMISED | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2026-05-12 | 12626239 | US20210012312A1 | Ann BRADSTREET | United States | FELTEN, DANIEL S |
| 2020-03-24 | 16828404 | DIGITAL PASS WITH USER VERIFICATION | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2025-05-06 | 12292955 | US20200334349A1 | Christian BILLMAN Jess LAWRENCE Ryan MILLER Timothy D. PONTIOUS Gabriel ROSTORFER Manoj Ram TAMMINA | United States United States United States United States United States United States | VO, ETHAN VIET |
| 2020-01-03 | 16734118 | MOBILE DEVICE VERIFICATION FOR AN ELECTRONIC APPLICATION BEFORE PROVIDING A DIGITAL PASS TO AN APPROVED CUSTOMER | BREAD FINANCIAL PAYMENTS, INC | Patented Case | 2022-12-13 | 11526884 | US20210117969A1 | Uchenna CHILAKA Timothy JONES Timothy D. PONTIOUS Celeste RECHNER | United States United States United States United States | HILMANTEL, ADAM J |
| 2019-12-17 | 16717734 | SHORT-TERM AUTHORIZED PASS | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2024-03-12 | 11928676 | US20200193423A1 | Suman Rao JANGAMA Steinn JONSSON Jess LAWRENCE Gabriel ROSTORFER Bipin SADHWANI Vinayak SWAMINATHAN Manoj Ram TAMMINA | United States United States United States United States United States United States United States | PATEL, AMIT HEMANTKUMAR |
| 2019-11-20 | 16689642 | DISTRIBUTED CREDIT ACCOUNT INFORMATION | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2024-04-30 | 11972434 | US20200372506A1 | Christian BILLMAN Uchenna CHILAKA Jess LAWRENCE | United States United States United States | BARTLEY, KENNETH |
| 2019-09-23 | 16579083 | DETERMINING ATTRIBUTION FOR AN ELECTRONIC CREDIT APPLICATION | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2025-02-25 | 12236479 | US20200098041A1 | Jess LAWRENCE Timothy D. PONTIOUS Christina MOSHOLDER Christian BILLMAN Uchenna CHILAKA Celeste RECHNER Timothy JONES | United States United States United States United States United States United States United States | GAW, MARK H |
| 2019-09-16 | 16571885 | SEAMLESS ELECTRONIC SYSTEM AND METHOD FOR APPLICATION, ACCEPTANCE OF, AUTHORIZING ACCESS TO, AND TRACKING PURCHASES MADE WITH A NEW CREDIT ACCOUNT | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2023-12-19 | 11847636 | US20200143363A1 | Mike SCHMIDT | United States | KUCAB, JAMIE R |
| 2018-11-19 | 16195748 | COLLECTING AND ANALYZING DATA FROM A MOBILE DEVICE | Bread Financial Payments, Inc. | Patented Case | 2023-08-15 | 11727425 | US20190164184A1 | James WALZ | United States | BUSCH, CHRISTOPHER CONRAD |
| 2018-01-24 | 15879225 | USING POSITION LOCATION INFORMATION TO PRE-POPULATE AND VERIFY INFORMATION ON A CREDIT APPLICATION | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2023-04-11 | 11625774 | US20190043126A1 | Christian BILLMAN James MAGNUSON JR. | United States United States | HASBROUCK, MERRITT J |
| 2017-10-26 | 15795164 | PRIVATE LABEL ACCOUNT NUMBER PROTECTION | BREAD FINANCIAL PAYMENTS, INC | Patented Case | 2025-11-04 | 12462259 | US20190005498A1 | Arthur ROCA Randall PIATT Tom PUGH Rachit SOOD | United States United States United States United States | KUO, CHENYUH |
| 2017-03-07 | 15452308 | SIMPLE CHECKOUT | BREAD FINANCIAL PAYMENTS, INC. | Patented Case | 2023-05-09 | 11645697 | US20180101889A1 | David NACK Ramesh KORRA | United States United States | HAMERSKI, BOLKO M |
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