POINTBAGEL

What this means for you

Not registered yet, but its 04 Nov 2026 filing date beats anything filed after it. If it registers, the owner can stop confusingly similar uses in the classes it covers.

Record

Serial number

50199960

Mark type

Word mark

Filed

04 Nov 2026

Attorney of record

TIMOTHY D. TAYLOR

Goods and services

• Class 009 — Scientific and electric apparatus: Downloadable mobile applications for managing credit cards and charge cards, namely, aggregating, tracking, categorizing, and analyzing credit card and charge card accounts, transactions, spending, card benefits, annual fees, rewards points, and loyalty programs; Downloadable mobile applications for managing credit cards and charge cards, namely, identifying interest charges, late fees, and annual fees; calculating rewards and rewards point values; generating personalized recommendations concerning credit card and charge card selection and use; and sending notifications concerning detected card charges, expiring card benefits, annual fee dates, and rewards opportunities; Downloadable mobile applications for personal and business financial management, namely, aggregating, categorizing, and analyzing bank account and debit card transactions; identifying recurring charges and subscriptions, and duplicate, unused, or forgotten subscriptions; identifying opportunities to reduce fees and recurring expenses; tracking and analyzing retail loyalty programs; analyzing combined spending, fees, rewards, and benefits across credit card, bank, and debit card accounts; Downloadable mobile applications for personal and business financial management, namely, providing notifications, information, comparisons, and personalized recommendations concerning the selection and use of bank accounts and debit cards and the reduction of fees and recurring expenses
• Class 042 — Scientific and technological services: Software as a service (SAAS) services featuring software for use by financial institutions, payment card issuers, financial technology companies, expense management providers, and digital wallet providers in analyzing their customers’ payment card portfolios, spending patterns, card benefits, and rewards program participation, and in generating personalized payment card and financial product comparisons and recommendations for those customers; Software as a service (SAAS) services featuring software for personal and business financial management, namely, aggregating, categorizing, and analyzing bank account and debit card transactions; identifying recurring charges and subscriptions, and duplicate, unused, or forgotten subscriptions; identifying opportunities to reduce fees and recurring expenses; Software as a service (SAAS) services featuring software for personal and business financial management, namely, tracking and analyzing retail loyalty programs; analyzing combined spending, fees, rewards, and benefits across credit card, bank, and debit card accounts; and providing notifications, information, comparisons, and personalized recommendations concerning the selection and use of bank accounts and debit cards and the reduction of fees and recurring expenses; Application service provider featuring application programming interface (API) software for integrating payment card information, rewards calculations, financial product comparisons, portfolio analysis, and personalized recommendations into the customer-facing software applications and automated business workflows of financial institutions and other businesses

Owner

• Point Alchemy, LLC, Chandler, AZ, US

Prosecution history

• 04 Nov 2026 — APPLICATION FILING RECEIPT MAILED
• 04 Nov 2026 — NEW APPLICATION ENTERED