Michael A. Masinick

Array ( [id] => 6444664 [patent_doc_number] => 20100153297 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2010-06-17 [patent_title] => 'Managing Consistent Interfaces for Credit Portfolio Business Objects Across Heterogeneous Systems' [patent_app_type] => utility [patent_app_number] => 12/334175 [patent_app_country] => US [patent_app_date] => 2008-12-12 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 521 [patent_figures_cnt] => 521 [patent_no_of_words] => 86115 [patent_no_of_claims] => 4 [patent_no_of_ind_claims] => 3 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0153/20100153297.pdf [firstpage_image] =>[orig_patent_app_number] => 12334175 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 6327740 [patent_doc_number] => 20100114662 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2010-05-06 [patent_title] => 'Real-world profile data for making virtual world contacts' [patent_app_type] => utility [patent_app_number] => 12/291020 [patent_app_country] => US [patent_app_date] => 2008-10-31 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 93 [patent_figures_cnt] => 93 [patent_no_of_words] => 39922 [patent_no_of_claims] => 27 [patent_no_of_ind_claims] => 4 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0114/20100114662.pdf [firstpage_image] =>[orig_patent_app_number] => 12291020 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 7679949 [patent_doc_number] => 20100106638 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2010-04-29 [patent_title] => 'APPARATUS AND METHODS FOR VERIFYING A CREDIT APPLICANT\'S INCOME THAT ENHANCE A CREDIT APPLICANT\'S EXPERIENCE' [patent_app_type] => utility [patent_app_number] => 12/256639 [patent_app_country] => US [patent_app_date] => 2008-10-23 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 15 [patent_figures_cnt] => 15 [patent_no_of_words] => 5385 [patent_no_of_claims] => 24 [patent_no_of_ind_claims] => 6 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0106/20100106638.pdf [firstpage_image] =>[orig_patent_app_number] => 12256639 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 6381532 [patent_doc_number] => 20100076864 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2010-03-25 [patent_title] => 'Systems and Methods for Integrating Debt Collection and Debtor Aid Services' [patent_app_type] => utility [patent_app_number] => 12/236318 [patent_app_country] => US [patent_app_date] => 2008-09-23 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 7 [patent_figures_cnt] => 7 [patent_no_of_words] => 5595 [patent_no_of_claims] => 20 [patent_no_of_ind_claims] => 3 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0076/20100076864.pdf [firstpage_image] =>[orig_patent_app_number] => 12236318 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 6226456 [patent_doc_number] => 20100057574 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2010-03-04 [patent_title] => 'BUDGET ENVELOPE CREDIT CARD' [patent_app_type] => utility [patent_app_number] => 12/199906 [patent_app_country] => US [patent_app_date] => 2008-08-28 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 8 [patent_figures_cnt] => 8 [patent_no_of_words] => 4329 [patent_no_of_claims] => 21 [patent_no_of_ind_claims] => 3 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0057/20100057574.pdf [firstpage_image] =>[orig_patent_app_number] => 12199906 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 10901032 [patent_doc_number] => 08924271 [patent_country] => US [patent_kind] => B1 [patent_issue_date] => 2014-12-30 [patent_title] => 'Online loan payoff quotes' [patent_app_type] => utility [patent_app_number] => 12/135428 [patent_app_country] => US [patent_app_date] => 2008-06-09 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 5 [patent_figures_cnt] => 5 [patent_no_of_words] => 5116 [patent_no_of_claims] => 18 [patent_no_of_ind_claims] => 3 [patent_words_short_claim] => 301 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => patent [pdf_file] =>[firstpage_image] =>[orig_patent_app_number] => 12135428 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 5491523 [patent_doc_number] => 20090292594 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2009-11-26 [patent_title] => 'SYSTEM FOR EVALUATING AN EMPLOYEE' [patent_app_type] => utility [patent_app_number] => 12/126260 [patent_app_country] => US [patent_app_date] => 2008-05-23 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 9 [patent_figures_cnt] => 9 [patent_no_of_words] => 4484 [patent_no_of_claims] => 15 [patent_no_of_ind_claims] => 1 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0292/20090292594.pdf [firstpage_image] =>[orig_patent_app_number] => 12126260 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 9186673 [patent_doc_number] => 08626650 [patent_country] => US [patent_kind] => B2 [patent_issue_date] => 2014-01-07 [patent_title] => 'Gradual conversion of financial accounts' [patent_app_type] => utility [patent_app_number] => 12/110944 [patent_app_country] => US [patent_app_date] => 2008-04-28 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 19 [patent_figures_cnt] => 19 [patent_no_of_words] => 11168 [patent_no_of_claims] => 19 [patent_no_of_ind_claims] => 3 [patent_words_short_claim] => 136 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => patent [pdf_file] =>[firstpage_image] =>[orig_patent_app_number] => 12110944 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 5311659 [patent_doc_number] => 20090018940 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2009-01-15 [patent_title] => 'Enhanced Fraud Detection With Terminal Transaction-Sequence Processing' [patent_app_type] => utility [patent_app_number] => 12/058554 [patent_app_country] => US [patent_app_date] => 2008-03-28 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 14 [patent_figures_cnt] => 14 [patent_no_of_words] => 5463 [patent_no_of_claims] => 14 [patent_no_of_ind_claims] => 5 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0018/20090018940.pdf [firstpage_image] =>[orig_patent_app_number] => 12058554 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 7992439 [patent_doc_number] => 08078526 [patent_country] => US [patent_kind] => B1 [patent_issue_date] => 2011-12-13 [patent_title] => 'Principal first loan product' [patent_app_type] => utility [patent_app_number] => 12/031792 [patent_app_country] => US [patent_app_date] => 2008-02-15 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 3 [patent_figures_cnt] => 3 [patent_no_of_words] => 3070 [patent_no_of_claims] => 17 [patent_no_of_ind_claims] => 3 [patent_words_short_claim] => 251 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => patent [pdf_file] => patents/08/078/08078526.pdf [firstpage_image] =>[orig_patent_app_number] => 12031792 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 7686723 [patent_doc_number] => 20090177568 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2009-07-09 [patent_title] => 'System And Method For Conducting Account Requests Over A Network Using Natural Language' [patent_app_type] => utility [patent_app_number] => 11/971691 [patent_app_country] => US [patent_app_date] => 2008-01-09 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 15 [patent_figures_cnt] => 15 [patent_no_of_words] => 5699 [patent_no_of_claims] => 29 [patent_no_of_ind_claims] => 5 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0177/20090177568.pdf [firstpage_image] =>[orig_patent_app_number] => 11971691 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 4699805 [patent_doc_number] => 20080221989 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2008-09-11 [patent_title] => 'METHOD AND SYSTEM FOR PROVIDING SPONSORED CONTENT ON AN ELECTRONIC DEVICE' [patent_app_type] => utility [patent_app_number] => 11/969837 [patent_app_country] => US [patent_app_date] => 2008-01-04 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 7 [patent_figures_cnt] => 7 [patent_no_of_words] => 6874 [patent_no_of_claims] => 25 [patent_no_of_ind_claims] => 5 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0221/20080221989.pdf [firstpage_image] =>[orig_patent_app_number] => 11969837 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 4766425 [patent_doc_number] => 20080177637 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2008-07-24 [patent_title] => 'CUSTOMER RELATIONSHIP MANAGEMENT METHODS AND SYSTEMS' [patent_app_type] => utility [patent_app_number] => 11/967392 [patent_app_country] => US [patent_app_date] => 2007-12-31 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 10 [patent_figures_cnt] => 10 [patent_no_of_words] => 11935 [patent_no_of_claims] => 20 [patent_no_of_ind_claims] => 2 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0177/20080177637.pdf [firstpage_image] =>[orig_patent_app_number] => 11967392 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 4854068 [patent_doc_number] => 20080319811 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2008-12-25 [patent_title] => 'SYSTEM AND METHOD FOR MODELING AN ASSET-BASED BUSINESS' [patent_app_type] => utility [patent_app_number] => 11/967672 [patent_app_country] => US [patent_app_date] => 2007-12-31 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 20 [patent_figures_cnt] => 20 [patent_no_of_words] => 10033 [patent_no_of_claims] => 16 [patent_no_of_ind_claims] => 2 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0319/20080319811.pdf [firstpage_image] =>[orig_patent_app_number] => 11967672 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 5437255 [patent_doc_number] => 20090171842 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2009-07-02 [patent_title] => 'Techniques For Conducting Financial Transactions Using Mobile Communication Devices' [patent_app_type] => utility [patent_app_number] => 11/964819 [patent_app_country] => US [patent_app_date] => 2007-12-27 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 4 [patent_figures_cnt] => 4 [patent_no_of_words] => 2978 [patent_no_of_claims] => 21 [patent_no_of_ind_claims] => 3 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0171/20090171842.pdf [firstpage_image] =>[orig_patent_app_number] => 11964819 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 5437251 [patent_doc_number] => 20090171838 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2009-07-02 [patent_title] => 'SYSTEMS AND METHODS WHEREIN A CREDIT PRODUCT IS OFFERED IN ACCORDANCE WITH USAGE OF A PRE-PAID CARD ACCOUNT' [patent_app_type] => utility [patent_app_number] => 11/965156 [patent_app_country] => US [patent_app_date] => 2007-12-27 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 9 [patent_figures_cnt] => 9 [patent_no_of_words] => 5478 [patent_no_of_claims] => 19 [patent_no_of_ind_claims] => 5 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0171/20090171838.pdf [firstpage_image] =>[orig_patent_app_number] => 11965156 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 10138012 [patent_doc_number] => 09171332 [patent_country] => US [patent_kind] => B2 [patent_issue_date] => 2015-10-27 [patent_title] => 'Equity/interest rate hybrid risk mitigation system and method' [patent_app_type] => utility [patent_app_number] => 12/002376 [patent_app_country] => US [patent_app_date] => 2007-12-17 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 6 [patent_figures_cnt] => 6 [patent_no_of_words] => 13015 [patent_no_of_claims] => 27 [patent_no_of_ind_claims] => 4 [patent_words_short_claim] => 393 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => patent [pdf_file] =>[firstpage_image] =>[orig_patent_app_number] => 12002376 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 5423830 [patent_doc_number] => 20090150286 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2009-06-11 [patent_title] => 'POINT OF SALE AUTOMATIC SAVINGS PROGRAM CONTRIBUTION SYSTEM USING BIOMETRICS PAYMENT AND AUTHENTICATION WITH SMART CARDS, ELECTRONIC PAYMENT, AND WIRELESS MECHANISMS' [patent_app_type] => utility [patent_app_number] => 11/953279 [patent_app_country] => US [patent_app_date] => 2007-12-10 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 5 [patent_figures_cnt] => 5 [patent_no_of_words] => 5113 [patent_no_of_claims] => 14 [patent_no_of_ind_claims] => 2 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0150/20090150286.pdf [firstpage_image] =>[orig_patent_app_number] => 11953279 [rel_patent_id] =>[rel_patent_doc_number] =>)

Array ( [id] => 4828640 [patent_doc_number] => 20080126139 [patent_country] => US [patent_kind] => A1 [patent_issue_date] => 2008-05-29 [patent_title] => 'Method and System for Determining Rate of Insurance' [patent_app_type] => utility [patent_app_number] => 11/944241 [patent_app_country] => US [patent_app_date] => 2007-11-21 [patent_effective_date] => 0000-00-00 [patent_drawing_sheets_cnt] => 22 [patent_figures_cnt] => 22 [patent_no_of_words] => 15218 [patent_no_of_claims] => 49 [patent_no_of_ind_claims] => 4 [patent_words_short_claim] => 0 [patent_maintenance] => 1 [patent_no_of_assignments] => 0 [patent_current_assignee] =>[type] => publication [pdf_file] => publications/A1/0126/20080126139.pdf [firstpage_image] =>[orig_patent_app_number] => 11944241 [rel_patent_id] =>[rel_patent_doc_number] =>)