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The following Comenity LLC (dba Bread Financial, “Bread Financial”) products, services, or offerings (“Offerings”) are protected by patents in the U.S.

This page is intended to serve as notice under 35 U.S.C. §287(a).

The following list of Bread Financial’s Offerings may not be all inclusive, and other Bread Financial Offerings not listed here may be protected by one or more patents. Other patents pending.

Patent Title / US Patent Number

• Interactive voice response quick credit system and associated methods / 7,505,938
• Displaying an animated digital watermark / 9,147,152
• Drivers license look-up / 9,256,866
• Displaying an animated digital watermark / 9,489,614
• Method for displaying items on a 3-D shape / 9,704,192
• Method and medium for recommending a personalized ensemble / 9,710,841
• Sharing an ensemble of items / 9,953,357
• Mobile credit acquisition / U.S. Patent No. 10,169,775
• Displaying an electronic product page responsive to scanning a retail item / U.S. Patent No. 10,204,368
• Collecting and analyzing data from a mobile device / U.S. Patent Number 10,157,397
• Providing Mobile Loyalty Services Via A Single Native Mobile Application / US Patent 10,304,075
• Geofencing Messaging System / US Patent 10,292,008
• Determining Preferences of an Ensemble of Items / US Patent Number 10,354,311
• Drivers License Parser / US Patent 10,380,619
• Collecting and Analyzing Data For Targeted Offers / US Patent 10,423,976
• Enhancing Revenue by Driving Credit Account Purchases Through a Single Native Mobile Application / US Patent 10,430,820
• Geo-Filtering Consumer / US Patent 10,460,335
• Displaying an Electronic Product Page Responsive To Scanning a Retail Item / US Patent 10,467,672
• Punchcard Check-In System / US Patent 10,572,891
• Custom Communication Generator / US Patent 10,726,425
• Providing Biometric Security for Mobile Loyalty Services Via A Native Mobile Application / US Patent 10,783,542
• Providing Mobile Loyalty Services Via a Native Mobile Application / US Patent Number 10,825,038
• Mobile Number Credit Prescreen / US Patent 10,929,924
• Recommending a Personalized Ensemble / CA Patent 2,865,34
• Listening Application on a Mobile Device to Limit Multiple Redemptions of an Offer / U.S. Patent 11,080,740
• Pre-Populating a Credit Card Number Field / U.S. Patent 11,037,212
• Geofencing Messaging System / U.S. Patent 11,026,042
• Retail Card Application / U.S. Patent 10,990,937
• Retail Card Application / U.S. Patent 10,984,40
• Mobile Number Credit Prescreen / U.S. Patent 10,929,924
• Method and System for Partial Application Data Collection / U.S. Patent 11,163,943
• Automatically Aggregating, Evaluating, and Providing a Contextually Relevant Offer / U.S. Patent 11,164,206
• Adding a Credit Account to a Mobile Wallet to Make a Transaction When the Physical Card Associated with the Credit Account is Unavailable / U.S. Patent 11,164,178
• Validating a Customer in an Electronic Transaction / U.S. Patent 11,361,317
• ONE Card / U.S. Patent 11,270,275
• Replacing a Customer Card Payment with a One-Time Loan at a Point of Sale / U.S. Patent 11,379,821
• Gift Card Use Notification / U.S. Patent 11,443,299
• Authenticated Account Interaction Via Text Cellular Text Message / U.S. Patent 11,436,626
• Capturable Code for Automatically Formatting and Addressing a Text Message to Apply for an Offer / U.S. Patent 11,468,508
• Distributed Risk Rules / U.S. Patent 11,475,516
• Mobile Credit Acquisition / U.S. Patent 11,488,194

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