System and method for establishing or modifying an account with user selectable terms

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO

8145522

APP PUB NO

20070118470A1

SERIAL NO

11557758

2 Status Updates

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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Techniques for administering an account with a financial institution are disclosed. The financial institution may establish the account for the account holder. An account holder may execute purchase transactions using the account. A first and second affiliate may be associated with the account. Rewards information associated with the first affiliate may be calculated based on use of the account for purchase transactions. A compensation, to be provided by the financial institution to the second affiliate, may be calculated based on use of the account for purchase transactions.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1961

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barrett, Donna M Wilmington, US 3 254
Ehemann, Karen R Newark, US 3 254
Schmitt, Donald H Greenville, US 10 356
Warren, Mary Carter Baltimore, US 3 254

Cited Art Landscape

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RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (1)
5828734 Telephone interface call processing system with call selectivity 95 1993
 
CHASE MANHATTAN BANK, THE (6)
5678046 Method and apparatus for distributing files on a file storage device 292 1995
6038552 Method and apparatus to process combined credit and debit card transactions 237 1997
6418457 Document storage and processing system for inventors that utilize timestamps and digital signatures 58 1997
6535855 Push banking system and method 178 1998
6609125 Funds transfer repair system 120 1999
6609113 Method and system for processing internet payments using the electronic funds transfer network 496 2000
 
INTERTRUST TECHNOLOGIES CORPORATION (2)
5892900 Systems and methods for secure transaction management and electronic rights protection 2353 1996
6112181 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 946 1997
 
SMARTOUCH, LLC (1)
5764789 Tokenless biometric ATM access system 419 1996
 
OLYMPUS OPTICAL CO., LTD. (1)
5551021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 256 1994
 
RICOH COMPANY, LTD. (1)
5933823 Image database browsing and query using texture analysis 246 1996
 
Time Warner Inc. (1)
6539424 Restricting deep hyperlinking on the World Wide Web 95 1999
 
FREE-PC, INC. (1)
6907566 Method and system for optimum placement of advertisements on a webpage 422 1999
 
IMPRIVATA, INC. (1)
6618806 System and method for authenticating users in a computer network 259 1999
 
NEXTPAGE, INC. (1)
6401125 System and method for maintaining state information between a web proxy server and its clients 77 1999
 
National Semiconductor Corporation (1)
5828812 Recurrent neural network-based fuzzy logic system and method 60 1995
 
INTERNET DEVELOPMENT RESEARCH CENTER, INC. (1)
2002/0104,017 Firewall system for protecting network elements connected to a public network 63 2001
 
Hipersoft Corp. (1)
6098070 Case management for a personal injury plaintiff's law office using a relational database 204 1998
 
COVERDELL & COMPANY (1)
2002/0010,599 Method for targeting insurance policy incentive rewards 63 2001
 
NCR CORPORATION (2)
5835603 Financial transaction system 160 1996
6151584 Computer architecture and method for validating and collecting and metadata and data about the internet and electronic commerce environments (data discoverer) 361 1997
 
TELSPAN, INC. (1)
5467269 Method and means for telephonically crediting customers with rebates and refunds 322 1994
 
TOBIN FAMILY EDUCATION AND HEALTH FOUNDATION, THE (1)
6141666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 327 1997
 
PRIVASYS, INC. (3)
6592044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 325 2000
6609654 Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions 270 2000
6755341 Method for storing data in payment card transaction 190 2000
 
iMarket, Incorporated (1)
6026398 System and methods for searching and matching databases 295 1997
 
AMAZON TECHNOLOGIES, INC. (1)
2002/0152,163 Network based user-to-user payment service 85 2001
 
AMAZON.COM, INC. (3)
5727163 Secure method for communicating credit card data when placing an order on a non-secure network 425 1995
5715399 Secure method and system for communicating a list of credit card numbers over a non-secure network 630 1995
5960411 Method and system for placing a purchase order via a communications network 1575 1997
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
6088683 Secure purchase transaction method using telephone number 339 1996
 
BOSTON GEAR LLC (1)
4964043 System for visualizing, identifying and ordering gearing configurations 121 1988
 
BLACKHAWK NETWORK, INC. (1)
5956695 Filter processor and method for implementing a program 279 1997
 
MENTOR GRAPHICS CORPORATION (1)
5815683 Accessing a remote cad tool server 118 1996
 
IBM INTERNATIONAL GROUP BV (1)
5758126 Customizable bidirectional EDI translation system 204 1996
 
YT ACQUISITION CORPORATION (4)
5805719 Tokenless identification of individuals 471 1997
6230148 Tokenless biometric electric check transaction 157 1999
6269348 Tokenless biometric electronic debit and credit transactions 255 1999
6154879 Tokenless biometric ATM access system 297 1999
 
BANK OF AMERICA CORPORATION (2)
6128602 Open-architecture system for real-time consolidation of information from multiple financial systems 384 1998
6789115 System for collecting, analyzing, and reporting high volume multi-web server usage 90 1999
 
The United States of America as represented by the Secretary of the Air Force (1)
5189606 Totally integrated construction cost estimating, analysis, and reporting system 260 1991
 
BMC RESOURCES, INC. (1)
5715298 Automated interactive bill payment system using debit cards 221 1997
 
BOTTOMLINE TECHNOLOGIES (DE) INC. (1)
6856970 Electronic financial transaction system 114 2000
 
VESDIA CORPORATION (1)
6345261 Customer loyalty investment program 208 1999
 
VEICON TECHNOLOGY, INC. (1)
5958007 Automatic and secure system for remote access to electronic mail and the internet 134 1997
 
UMB International, LLC (1)
6266648 Benefits tracking and correlation system for use with third-party enabling organizations 70 1998
 
MicroBilt Corporation (1)
5479530 Signature capturing printer and data card terminal 144 1993
 
AOL LLC (1)
6496855 Web site registration proxy system 168 2000
 
NYTELL SOFTWARE LLC (1)
6138118 Method and system for reconciling concurrent streams of transactions in a database 202 1998
 
VirnetX, Inc. (1)
2003/0037,142 Agile network protocol for secure communications with assured system availability 71 2002
 
SPENDINGMONEY, LLC (1)
5864830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 393 1997
 
ENTRUST, INC. (2)
6182142 Distributed access management of information resources 523 1998
6453353 Role-based navigation of information resources 373 1999
 
LOGICLINK CORPORATION (1)
5987498 Credit card operated computer on-line service communication system 307 1996
 
AEGIS TECHNOLOGIES, INC. (1)
5606496 Personal assistant computer method 142 1995
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
5995948 Correspondence and chargeback workstation 154 1997
 
SOVERAIN SOFTWARE LLC (1)
5715314 Network sales system 1346 1994
 
Steven Nichtberger (1)
4882675 Paperless system for distributing, redeeming and clearing merchandise coupons 535 1984
 
TWINTECH E.U. II, LIMITED LIABILITY COMPANY (1)
5819285 Apparatus for capturing, storing and processing co-marketing information associated with a user of an on-line computer service using the world-wide-web. 307 1995
 
SL SOFRTWARE, INC. (1)
5682524 Databank system with methods for efficiently storing non-uniform data records 285 1995
 
TTI INVENTIONS C LLC (1)
5084816 Real time fault tolerant transaction processing system 197 1989
 
AIT ADVANCED INFORMATION TECHNOLOGIES CORPORATION (1)
2002/0104,006 Method and system for securing a computer network and personal identification device used therein for controlling access to network components 129 2001
 
TOUCH TECHNOLOGIES, INC. (1)
5544086 Information consolidation within a transaction network 291 1994
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
5870725 High volume financial image media creation and display system and method 317 1995
 
eSpoc, Inc. (1)
6785810 System and method for providing secure transmission, search, and storage of data 131 1999
 
Pitney Bowes Inc. (1)
4713761 System for centralized processing of accounting and payment functions 286 1985
 
HITACHI, LTD. (5)
5450537 Method and apparatus for completing a partially completed document in accordance with a blank form from data automatically retrieved from a database 152 1993
5774122 Method for visual programming with aid of animation 82 1996
5832476 Document searching method using forward and backward citation tables 109 1996
5952639 Depositing, withdrawal, balance check, exchange and transfer of electronic money in automatic cash handling machine 177 1996
6718482 Fault monitoring system 74 2001
 
The Harrison Company, LLC (1)
* 6009415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 274 1991
 
First Marketrust Intl. (1)
5537314 Referral recognition system for an incentive award program 777 1995
 
Vermeer Technologies, Inc. (1)
5819092 Online service development tool with fee setting capabilities 605 1997
 
INTER*ACT SYSTEMS, INCORPORATED (4)
5621812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 578 1993
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 466 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 349 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 431 1994
 
RAYTHEON COMPANY (1)
5241594 One-time logon means and methods for distributed computing systems 328 1992
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (15)
5560008 Remote authentication and authorization in a distributed data processing system 357 1989
5317683 Method and apparatus for automated meeting agenda generation in a data processing system 105 1990
5604490 Method and system for providing a user access to multiple secured subsystems 169 1994
5532920 Data processing system and method to enforce payment of royalties when copying softcopy books 434 1994
5933827 System for identifying new web pages of interest to a user 280 1996
5918239 Deferred display of web pages corresponding to links selected by user 127 1997
6104716 Method and apparatus for lightweight secure communication tunneling over the internet 260 1997
5963952 Internet browser based data entry architecture 192 1997
6000033 Password control via the web 131 1997
6178511 Coordinating user target logons in a single sign-on (SSO) environment 224 1998
6275944 Method and system for single sign on using configuration directives with respect to target types 145 1998
6493685 Electronic account presentation and response system and method 333 1999
6751654 Simulating web cookies for non-cookie capable browsers 62 1999
6535980 Keyless encryption of messages using challenge response 57 1999
6725269 System and method for maintaining multiple identities and reputations for internet interactions 132 1999
 
ARUNACHALAM, LAKSHMI, DR. (1)
5778178 Method and apparatus for enabling real-time bi-directional transactions on a network 314 1996
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5677955 Electronic funds transfer instruments 1061 1995
 
CHECKFREE CORPORATION (2)
5873072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 345 1995
6289322 Electronic bill processing 392 1998
 
FUJITSU LIMITED (4)
6003762 Transaction terminal for an electronic cashless system 264 1994
5848427 Information changing system and method of sending information over a network to automatically change information output on a user terminal 104 1996
5913202 Financial information intermediary system 410 1997
2003/0018,915 Method and system for user authentication and authorization of services 49 2001
 
FIRST DATA CORPORATION (7)
6141651 Funding and settlement integrated suspense processing system 151 1998
6820202 Account authority digital signature (AADS) system 96 1998
6135349 System and method for enabling a merchant to apply for a credit card processing account using the internet 185 1999
6202005 System for selectively printing messages and adding inserts to merchant statements 80 1999
6349242 Method for selectively printing messages and adding inserts to merchant statements 72 2001
6623415 Sheet folding systems and methods 61 2001
2003/0115,160 Weight measuring systems and methods for weighing items 56 2002
 
BOWIE, STUART S. (1)
6195644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 185 1999
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5265033 ATM/POS based electronic mail system 491 1991
5473143 ATM/POS based electronic mail system 318 1993
 
HUMANA INC. (1)
2003/0154,403 Web-based security with controlled access to data and resources 90 2002
 
TELECOM ITALIA S.P.A. (1)
6738779 Apparatus for and method of multiple parallel string searching 69 2001
 
BLOCK FINANCIAL LLC (1)
6014645 Real-time financial card application system 480 1996
 
CASIO COMPUTER CO., LTD. (1)
4801787 IC card identification system having first and second data identification functions 86 1986
 
Minolta Co., Ltd. (1)
6075519 Operational mode setting apparatus for display screen 53 1996
 
V-One Corporation (1)
5590197 Electronic payment system and method 873 1995
 
BORLAND SOFTWARE CORPORATION (1)
5603025 Methods for hypertext reporting in a relational database management system 292 1994
 
TRADEWARE TECHNOLOGIES, INC. (1)
5235509 Customer self-ordering system using information displayed on a screen 280 1989
 
SHEP DATA FUNDING LLC (1)
5761661 Data management system and method 129 1994
 
Zynga Inc. (3)
5921864 Electronic word puzzle game 80 1996
5798508 Postpaid traveler's checks 88 1996
6006205 Credit card billing method and system 147 1997
 
Phoenix Licensing, LLC (2)
5987434 Apparatus and method for transacting marketing and sales of financial products 498 1996
6076072 Method and apparatus for preparing client communications involving financial products and services 339 1997
 
HARRAH'S OPERATING COMPANY, INC. (1)
5761647 National customer recognition system and method 695 1996
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 125 2001
 
PAYPAL, INC. (4)
5826241 Computerized system for making payments and authenticating transactions over the internet 875 1994
5832460 Method and system for bill presentation and payment reconciliation 359 1995
6327578 Four-party credit/debit payment protocol 454 1998
6267292 Method and apparatus for funds and credit line transfers 333 1999
 
JPMORGAN CHASE BANK, N.A. (11)
6266683 Computerized document management system 171 1997
6006249 Method and apparatus for concurrent data processing 147 1997
6070244 Computer network security management system 305 1997
6438666 Method and apparatus for controlling access to confidential data by analyzing property inherent in data 79 1998
6301567 Lockbox browser system 111 1998
6227447 Cardless payment system 445 1999
6557039 System and method for managing information retrievals from distributed archives 236 1999
6532284 Method and system for optimizing bandwidth cost via caching and other network transmission delaying techniques 125 2001
6772146 Website for financial information 94 2001
2002/0077,978 Method and system for processing internet payments 376 2001
2003/0105,981 System and method for single session sign-on 115 2001
 
MICROSOFT TECHNOLOGY LICENSING, LLC (11)
5852812 Billing system for a network 589 1995
6189029 Web survey tool builder and result compiler 327 1996
5842211 Method and system for transferring a bank file to an application program 145 1997
5883810 Electronic online commerce card with transactionproxy number for online transactions 727 1997
6026429 Seamless integration of internet resources 234 1997
6308273 Method and system of security location discrimination 442 1998
6308274 Least privilege via restricted tokens 180 1998
6584505 Authenticating access to a network server without communicating login information through the network server 174 1999
6574348 Technique for watermarking an image and a resulting watermarked image 74 1999
6401211 System and method of user logon in combination with user authentication for network access 145 2000
6892231 Method and apparatus for verifying the contents of a global configuration file 55 2000
 
GOETEL COMMUNICATIONS CORP. (1)
5546452 Communications system using a central controller to control at least one network and agent system 267 1995
 
ASPEN MARKETING SERVICES, INC. (1)
5983196 Interactive computerized methods and apparatus for conducting an incentive awards program 226 1996
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (2)
5825870 Methods and apparatus for implementing a network call center 126 1996
6170011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 429 1998
 
CK GLOBAL INC. (1)
2002/0019,938 Method and apparatus for secure identification for networked environments 57 2001
 
EOLAS TECHNOLOGIES INC. (1)
5838906 Distributed hypermedia method for automatically invoking external application providing interaction and display of embedded objects within a hypermedia document 678 1994
 
Electronic Consumer Concepts, L.L.C. (1)
5845259 Electronic coupon dispensing system 429 1996
 
QUALCOMM INCORPORATED (1)
2006/0091,853 Battery disable/enable control circuitry of a portable computing device 1 2005
 
VERIZON PATENT AND LICENSING INC. (3)
6088451 Security system and method for network element access 411 1996
5944824 System and method for single sign-on to a plurality of network elements 411 1997
6202151 System and method for authenticating electronic transactions using biometric certificates 233 1997
 
SYNAPSE GROUP, INC. (1)
6014641 Method and apparatus for providing open-ended subscriptions to commodity items normally available only through term-based subscriptions 108 1996
 
FAIR ISAAC CORPORATION (1)
5794178 Visualization of information using graphical representations of context vector based relationships and attributes 430 1996
 
E-TALK CORPORATION (2)
5621789 Method and system for integrating a plurality of call center agent performance enhancement modules 172 1993
5684870 Method and system for transferring calls and call-related data between a plurality of call centers 190 1996
 
SNAPCHAT, INC. (1)
6012088 Automatic configuration for internet access device 657 1996
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 128 2001
 
CLOUDING CORP. (1)
6925481 Technique for enabling remote data access and manipulation from a pervasive device 59 2001
 
ECTOLINK, LLC (1)
5826245 Providing verification information for a transaction 424 1995
 
ECOVA, INC. (1)
5943656 Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems 301 1997
 
F. POSZAT HU, L.L.C. (2)
5754840 System, method, and computer program product for developing and maintaining documents which includes analyzing a patent application with regards to the specification and claims 167 1996
6216115 Method for multi-directional consumer purchasing, selling, and transaction management 103 1998
 
LIFESHIELD SCIENCES LLC (1)
6016810 Endovasular aortic graft 112 1998
 
LOANX CORPORATION (1)
5966699 System and method for conducting loan auction over computer network 357 1996
 
GENERAL DYNAMICS C4 SYSTEMS, INC. (1)
5381332 Project management system with automated schedule and cost integration 192 1991
 
AT&T CORP. (2)
5835580 Method and apparatus for automated provisioning and billing of communication services 226 1996
5950174 Affiliation-based arrangement for billing 156 1997
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
PAYPAL, INC. (1)
* 2009/0271,313 METHOD AND SYSTEM FOR BALANCE ACCOUNT UTILIZATION 2 2008
 
CAPITAL ONE FINANCIAL CORPORATION (2)
* 8458062 Real-time product matching 4 2006
* 2008/0065,569 Real-time product matching 36 2006
 
Aton Behavioral Finance, LLC (1)
* 8676708 Methods and apparatus for facilitating a financial transaction 0 2011
 
JPMORGAN CHASE BANK, N.A. (1)
9230259 Systems and methods for mobile ordering and payment 0 2010
 
BANK OF AMERICA, N.A. (1)
* 8635159 Self-service terminal limited access personal identification number (“PIN”) 0 2010
 
BANK OF AMERICA CORPORATION (1)
* 2012/0197,689 DYNAMIC SAVINGS ALLOCATION METHOD AND PURCHASING MODEL 0 2011
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (13)
9430773 Loyalty incentive program using transaction cards 2 2007
9558505 System and method for prepaid rewards 0 2010
9489680 Systems and methods for providing location based coupon-less offers to registered card members 0 2011
8849699 Systems and methods for targeting ad impressions 3 2011
9542690 System and method for providing international coupon-less discounts 0 2012
9569789 System and method for administering marketing programs 0 2012
9412102 System and method for prepaid rewards 0 2012
8751295 System and method for providing international coupon-less discounts 1 2012
9195988 Systems and methods for an analysis cycle to determine interest merchants 0 2012
9361627 Systems and methods determining a merchant persona 0 2013
8868444 System and method for rewarding in channel accomplishments 4 2013
9514483 Marketing campaign application for multiple electronic distribution channels 0 2013
9514484 Marketing campaign application for multiple electronic distribution channels 0 2013
* Cited By Examiner

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