Bread Financial Holdings, Inc. (BFH)
NYSE: BFH · Personal Credit Institutions · Columbus, OH · filing with the SEC since 2000
Grade4.2
◀ Past 3.2● Present 5.4▶ Future 4.0
Patents
US patents through Dec 31, 2025 · PatentsView, from the USPTO’s Open Data Portal · read Oct 27, 202618 patents granted to the 3 names below, as the owner printed on each patent when it was granted. A later sale, a lapse or an expiry is not read, so this is what was granted to Bread Financial Holdings, Inc.’s names, not what it holds today.
Patents granted
18
18 utility, 1976 to Dec 31, 2025
Granted in 2025
3
Against 5 in 2024 and 8 in 2023
Applications published
14
since 2001, to Dec 31, 2025
Names they are printed under
3
a subsidiary, a former name
By yearGrantedApplications published
Each pair is one calendar year. Applications are published about eighteen months after filing, so the newest years read low.
What they are aboutgrants since 2021
IT methods for management13
Computer technology2
Digital communication2
The main technology area of each patent, in the World Intellectual Property Organization’s 35 fields.
Under which name3 counted
BREAD FINANCIAL PAYMENTS, INC. a subsidiary
US, as the owner printed on each patent
3 published
Alliance Data Systems Corporation a former name
US, as the owner printed on each patent
9 published
Alliance Data Systems Corporation a former name
named as the applicant on its applications, in US
2 published
Newest grantseach row opens the USPTO’s own copy
| Granted | Patent | Title | Field | Owner as printed |
|---|---|---|---|---|
| Nov 4, 2025 | 12,462,259 | Private label account number protection | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| May 6, 2025 | 12,292,955 | Digital pass with user verification | Computer technology | BREAD FINANCIAL PAYMENTS, INC. |
| Feb 25, 2025 | 12,236,479 | Determining attribution for an electronic credit application | Digital communication | BREAD FINANCIAL PAYMENTS, INC. |
| Nov 5, 2024 | 12,136,081 | Replacing a customer card payment with a one-time loan at a point of sale | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| Jul 30, 2024 | 12,051,085 | Mobile credit acquisition | Digital communication | BREAD FINANCIAL PAYMENTS, INC. |
| Apr 30, 2024 | 11,972,434 | Distributed credit account information | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| Mar 26, 2024 | 11,941,609 | Adding a credit account to a mobile wallet to make a transaction when the physical card associated with the credit account is unavailable | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| Mar 12, 2024 | 11,928,676 | Short-term authorized pass | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| Dec 26, 2023 | 11,853,966 | Internet-based management of displayed printed media | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| Dec 19, 2023 | 11,847,668 | Automatically aggregating, evaluating, and providing a contextually relevant offer | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
Newest applications publishedan application is a clue, never a plan
| Published | Application | Title | Field | Owner as printed |
|---|---|---|---|---|
| Dec 5, 2024 | 2024/0403876 | SUB-MERCHANT IDENTIFICATION NUMBER (SMID) INGESTION | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| Aug 29, 2024 | 2024/0289708 | MONITORING AND ALERTING SYSTEM AND METHOD | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| Jun 29, 2023 | 2023/0206324 | APPLYING FOR A CREDIT CARD ACCOUNT ON A MOBILE DEVICE AND PRE-POPULATING A CREDIT CARD NUMBER FIELD | IT methods for management | BREAD FINANCIAL PAYMENTS, INC. |
| Jul 16, 2015 | 2015/0199604 | DISPLAYING AN ANIMATED DIGITAL WATERMARK | Computer technology | Alliance Data Systems Corporation · patent 9,489,614 granted from it |
| Apr 23, 2015 | 2015/0108227 | DISPLAYING AN ANIMATED DIGITAL WATERMARK | Computer technology | Alliance Data Systems Corporation · patent 9,147,152 granted from it |
| Apr 2, 2015 | 2015/0095187 | DISPLAYING ITEMS ON A 3-D SHAPE | IT methods for management | Alliance Data Systems Corporation · patent 9,704,192 granted from it |
| Apr 2, 2015 | 2015/0095184 | RECOMMENDING A PERSONALIZED ENSEMBLE | IT methods for management | Alliance Data Systems Corporation · patent 9,710,841 granted from it |
| Nov 6, 2014 | 2014/0330670 | ENHANCING REVENUE OF A RETAILER BY MAKING A RECOMMENDATION TO A CUSTOMER | IT methods for management | Alliance Data Systems Corporation |
| Sep 18, 2014 | 2014/0279197 | ENHANCING REVENUE OF A RETAILER BY MAKING A RECOMMENDATION TO A CUSTOMER | IT methods for management | Alliance Data Systems Corporation |
| Feb 2, 2012 | 2012/0029996 | Loyalty-Based Credit Prescreening System | IT methods for management | Alliance Data Systems Corporation |
What it applied for, 2024 to 2025: IT methods for management 2.
A patent is counted where the owner printed on it when it was granted carries the company’s own name, a former name, the name of a subsidiary its annual report lists, or its own name with a patent-holding phrase (Technology Licensing, Intellectual Property and the like), once the legal form, case and punctuation are set aside, and prints a country that name counts in. PatentsView’s data are published under the Creative Commons Attribution 4.0 licence. Source: PatentsView's granted patents and pre-grant publications, disambiguated, from the USPTO's Open Data Portal, through Dec 31, 2025, read Oct 27, 2026.