US Patent Application No: 2003/0154,125

Number of patents in Portfolio can not be more than 2000

Pesonalisation of promotional offers

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A promotional scheme involving the design, distribution and redemption of electronic coupons involves defining the structure of a promotional offer to be made to customers, in which the offer has associated parameters, one or more of which are unspecified or variable. The offer is targeted to customers, and one or more of the unspecified or variable offer parameters associated are finalised, either before or after distribution.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
INTERNATIONAL BUSINESS MACHINES CORPORATIONARMONK, NY73171

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Jain, Vivek Milpitas, CA 63 600
Mittal, Parul A New Delhi, IN 21 322

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (60)
7,433,829 System and method for managing global risk 7 2001
7,512,566 System and method for using a stored value account having subaccount feature 9 2001
7,809,641 System and method for funding a collective account 8 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 10 2002
7,801,816 System and method for currency selectable stored value instrument 1 2003
8,239,304 Method and system for providing pre-approved targeted products 1 2003
7,676,425 Method and system for providing flexible financing 19 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 1 2003
7,953,663 System and method for financial instrument pre-qualification and offering 4 2003
7,809,595 System and method for managing risks associated with outside service providers 6 2003
8,239,323 Method and system for distribution of unactivated bank account cards 1 2003
7,130,828 Debit purchasing of stored value card for use by and/or delivery to others 36 2003
7,707,111 Customer activated multi-value (CAM) card 27 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 17 2004
7,174,314 Debit purchasing of stored value card for use by and/or delivery to others 18 2004
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 49 2004
7,174,316 Debit purchasing of stored value card for use by and/or delivery to others 18 2004
7,174,317 Debit purchasing of stored value card for use by and/or delivery to others 34 2004
7,171,388 Debit purchasing of stored value card for use by and/or delivery to others 17 2004
8,630,898 Stored value card provided with merchandise as rebate 0 2005
7,756,896 System and method for multi-dimensional risk analysis 31 2005
7,660,763 Customer activated multi-value (CAM) card 17 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 65 2005
7,801,799 Customer activated multi-value (CAM) card 3 2005
7,941,355 Universal payment protection 3 2006
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 4 2006
7,591,416 Selectable multi-purpose card 39 2006
7,676,429 Credit instrument and system providing multiple services including access to credit services and access to a service provider club 0 2006
7,311,244 System and method for funding a collective account by use of an electronic tag 22 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 22 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 3 2006
7,260,549 Method and system for managing risk 25 2006
7,505,918 Method and system for managing risks 3 2006
7,360,693 System and method for a card benefit program providing benefits to program members based on program performance 25 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 28 2006
7,357,331 Selectable multi-purpose card 46 2006
7,603,283 Method and system for managing risk 4 2007
7,805,368 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7,818,253 Debit purchasing of stored value card for use by and/or delivery to others 5 2007
8,020,754 System and method for funding a collective account by use of an electronic tag 3 2007
8,417,601 Variable rate payment card 0 2007
8,033,451 System and method for funding a collective account by use of an electronic tag 0 2007
7,809,643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
8,676,642 System and method for granting promotional rewards to financial account holders 0 2008
8,533,111 System and method for providing promotional pricing 0 2008
7,890,422 Multiple account advanced payment card and method of routing card transactions 14 2008
D602522 Transaction device 34 2008
7,926,711 System and method for granting promotional rewards to both customers and non-customers 7 2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers 0 2009
8,447,670 Universal payment protection 0 2009
8,095,459 Method and system for providing flexible financing 1 2010
8,645,265 System and method for card processing with automated payment of club, merchant, and service provider fees 0 2010
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 1 2010
8,145,549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8,517,258 System and method for granting promotional rewards to both customers and non-customers 0 2011
8,473,395 Universal payment protection 0 2011
8,447,672 Universal payment protection 0 2011
8,463,681 Method and system for distribution of unactivated bank account cards 0 2012
8,469,265 Method and system for implementing a card product with multiple customized relationships 0 2012
8,533,086 Variable rate payment card 0 2013
 
RESOURCE CONSORTIUM LIMITED (7)
8,121,915 Generating financial plans using a personal information aggregator 1 2006
8,073,708 Aggregating personal healthcare informatoin 3 2006
7,801,956 Providing notifications to an individual in a multi-dimensional personal information network 22 2006
7,689,682 Obtaining lists of nodes of a multi-dimensional network 38 2006
7,970,827 Providing notifications to an individual in a multi-dimensional personal information network 4 2010
8,185,597 Providing notifications to an individual in a multi-dimensional personal information network 1 2011
8,635,087 Aggregating personal information 0 2011
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (2)
7,627,310 Methods, systems, and products for distance-based discounting 4 2005
8,005,485 Methods, systems, and products for demographic discounting 0 2007
 
VISA U.S.A. INC. (2)
8,180,702 Transactional processing entity device support of an integrated offer network 1 2009
8,442,909 Transaction processing entity device support of an integrated offer network 0 2012
 
AMDOCS SOFTWARE SYSTEMS LIMITED (1)
8,494,918 System, method, and computering program product for applying an offer scheme to usage data using a user interface 1 2009
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
7,086,586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 16 2004
 
CHASE BANK USA, NATIONAL ASSOCIATION (1)
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 19 2008
 
COGNITIVETPG, LLC (1)
7,460,252 Graphical printing system and method using text triggers 4 2004
 
J.P. MORGAN CHASE & CO. (1)
8,612,341 Computerized funding of a second financial account by a first financial card 0 2004
 
REARDEN COMMERCE, INC. (1)
8,543,470 System and method for targeting limited-time offer based on likelihood of acceptance and selecting transmission media based on customer interest 0 2009
 
SHANGHAI LITREE PURIFYING EQUIPMENT CO., LTD. (1)
7,966,647 Sending personal information to a personal information aggregator 9 2006
 
Other [Check patent profile for assignment information] (1)
8,700,529 Mutual fund card method and system 0 2006