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

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, AS ADMINISTRATIVE AGENTNEW YORK, NY1964

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barrett, Donna M Wilmington, US 3 260
Ehemann, Karen R Newark, US 3 260
Schmitt, Donald H Greenville, US 10 364
Warren, Mary Carter Baltimore, US 3 260

Cited Art Landscape

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5678046 Method and apparatus for distributing files on a file storage device 296 1995
6038552 Method and apparatus to process combined credit and debit card transactions 243 1997
6418457 Document storage and processing system for inventors that utilize timestamps and digital signatures 61 1997
6535855 Push banking system and method 191 1998
6609125 Funds transfer repair system 123 1999
6609113 Method and system for processing internet payments using the electronic funds transfer network 505 2000
 
INTERTRUST TECHNOLOGIES CORPORATION (2)
5892900 Systems and methods for secure transaction management and electronic rights protection 2412 1996
6112181 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 971 1997
 
SMARTOUCH, LLC (1)
5764789 Tokenless biometric ATM access system 430 1996
 
OLYMPUS OPTICAL CO., LTD. (1)
5551021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 259 1994
 
RICOH COMPANY, LTD. (1)
5933823 Image database browsing and query using texture analysis 252 1996
 
TIME WARNER, INC. (1)
6539424 Restricting deep hyperlinking on the World Wide Web 101 1999
 
FREE-PC, INC. (1)
6907566 Method and system for optimum placement of advertisements on a webpage 446 1999
 
IMPRIVATA, INC. (1)
6618806 System and method for authenticating users in a computer network 265 1999
 
NEXTPAGE, INC. (1)
6401125 System and method for maintaining state information between a web proxy server and its clients 81 1999
 
NATIONAL SEMICONDUCTOR CORPORATION (1)
5828812 Recurrent neural network-based fuzzy logic system and method 63 1995
 
INTERNET DEVELOPMENT RESEARCH CENTER, INC. (1)
2002/0104,017 Firewall system for protecting network elements connected to a public network 66 2001
 
Hipersoft Corp. (1)
6098070 Case management for a personal injury plaintiff's law office using a relational database 208 1998
 
COVERDELL & COMPANY (1)
2002/0010,599 Method for targeting insurance policy incentive rewards 66 2001
 
NCR CORPORATION (2)
5835603 Financial transaction system 163 1996
6151584 Computer architecture and method for validating and collecting and metadata and data about the internet and electronic commerce environments (data discoverer) 373 1997
 
TELSPAN, INC. (1)
5467269 Method and means for telephonically crediting customers with rebates and refunds 328 1994
 
TOBIN FAMILY EDUCATION AND HEALTH FOUNDATION, THE (1)
6141666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 336 1997
 
PRIVASYS, INC. (3)
6592044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 342 2000
6609654 Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions 281 2000
6755341 Method for storing data in payment card transaction 200 2000
 
iMarket, Incorporated (1)
6026398 System and methods for searching and matching databases 300 1997
 
AMAZON TECHNOLOGIES, INC. (1)
2002/0152,163 Network based user-to-user payment service 89 2001
 
AMAZON.COM, INC. (3)
5727163 Secure method for communicating credit card data when placing an order on a non-secure network 435 1995
5715399 Secure method and system for communicating a list of credit card numbers over a non-secure network 637 1995
5960411 Method and system for placing a purchase order via a communications network 1608 1997
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
6088683 Secure purchase transaction method using telephone number 342 1996
 
BOSTON GEAR LLC (1)
4964043 System for visualizing, identifying and ordering gearing configurations 124 1988
 
BLACKHAWK NETWORK, INC. (1)
5956695 Filter processor and method for implementing a program 282 1997
 
MENTOR GRAPHICS CORPORATION (1)
5815683 Accessing a remote cad tool server 121 1996
 
IBM INTERNATIONAL GROUP BV (1)
5758126 Customizable bidirectional EDI translation system 207 1996
 
YT ACQUISITION CORPORATION (4)
5805719 Tokenless identification of individuals 480 1997
6230148 Tokenless biometric electric check transaction 161 1999
6269348 Tokenless biometric electronic debit and credit transactions 261 1999
6154879 Tokenless biometric ATM access system 303 1999
 
BANK OF AMERICA CORPORATION (2)
6128602 Open-architecture system for real-time consolidation of information from multiple financial systems 394 1998
6789115 System for collecting, analyzing, and reporting high volume multi-web server usage 94 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 267 1991
 
BMC RESOURCES, INC. (1)
5715298 Automated interactive bill payment system using debit cards 225 1997
 
Bottomline Technologies (DE) Inc. (1)
6856970 Electronic financial transaction system 117 2000
 
VESDIA CORPORATION (1)
6345261 Customer loyalty investment program 211 1999
 
VEICON TECHNOLOGY, INC. (1)
5958007 Automatic and secure system for remote access to electronic mail and the internet 138 1997
 
UMB International, LLC (1)
6266648 Benefits tracking and correlation system for use with third-party enabling organizations 74 1998
 
MicroBilt Corporation (1)
5479530 Signature capturing printer and data card terminal 147 1993
 
AOL LLC (1)
6496855 Web site registration proxy system 173 2000
 
NYTELL SOFTWARE LLC (1)
6138118 Method and system for reconciling concurrent streams of transactions in a database 205 1998
 
VIRNETX INC. (1)
2003/0037,142 Agile network protocol for secure communications with assured system availability 75 2002
 
SPENDINGMONEY, LLC (1)
5864830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 397 1997
 
ENTRUST, INC. (2)
6182142 Distributed access management of information resources 537 1998
6453353 Role-based navigation of information resources 383 1999
 
LOGICLINK CORPORATION (1)
5987498 Credit card operated computer on-line service communication system 311 1996
 
AEGIS TECHNOLOGIES, INC. (1)
5606496 Personal assistant computer method 145 1995
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
5995948 Correspondence and chargeback workstation 159 1997
 
SOVERAIN SOFTWARE LLC (1)
5715314 Network sales system 1366 1994
 
Steven Nichtberger (1)
4882675 Paperless system for distributing, redeeming and clearing merchandise coupons 545 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. 313 1995
 
SL SOFRTWARE, INC. (1)
5682524 Databank system with methods for efficiently storing non-uniform data records 289 1995
 
TTI INVENTIONS C LLC (1)
5084816 Real time fault tolerant transaction processing system 200 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 135 2001
 
TOUCH TECHNOLOGIES, INC. (1)
5544086 Information consolidation within a transaction network 295 1994
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
5870725 High volume financial image media creation and display system and method 320 1995
 
eSpoc, Inc. (1)
6785810 System and method for providing secure transmission, search, and storage of data 135 1999
 
PITNEY BOWES INC. (1)
4713761 System for centralized processing of accounting and payment functions 289 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 160 1993
5774122 Method for visual programming with aid of animation 85 1996
5832476 Document searching method using forward and backward citation tables 112 1996
5952639 Depositing, withdrawal, balance check, exchange and transfer of electronic money in automatic cash handling machine 180 1996
6718482 Fault monitoring system 78 2001
 
HARRISON COMPANY, LLC, THE (1)
* 6009415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 279 1991
 
First Marketrust Intl. (1)
5537314 Referral recognition system for an incentive award program 786 1995
 
Vermeer Technologies, Inc. (1)
5819092 Online service development tool with fee setting capabilities 614 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 583 1993
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 470 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 353 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 437 1994
 
RAYTHEON COMPANY (1)
5241594 One-time logon means and methods for distributed computing systems 333 1992
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (15)
5560008 Remote authentication and authorization in a distributed data processing system 368 1989
5317683 Method and apparatus for automated meeting agenda generation in a data processing system 108 1990
5604490 Method and system for providing a user access to multiple secured subsystems 172 1994
5532920 Data processing system and method to enforce payment of royalties when copying softcopy books 440 1994
5933827 System for identifying new web pages of interest to a user 286 1996
5918239 Deferred display of web pages corresponding to links selected by user 132 1997
6104716 Method and apparatus for lightweight secure communication tunneling over the internet 268 1997
5963952 Internet browser based data entry architecture 197 1997
6000033 Password control via the web 136 1997
6178511 Coordinating user target logons in a single sign-on (SSO) environment 230 1998
6275944 Method and system for single sign on using configuration directives with respect to target types 149 1998
6493685 Electronic account presentation and response system and method 341 1999
6751654 Simulating web cookies for non-cookie capable browsers 65 1999
6535980 Keyless encryption of messages using challenge response 60 1999
6725269 System and method for maintaining multiple identities and reputations for internet interactions 138 1999
 
ARUNACHALAM, LAKSHMI, DR. (1)
5778178 Method and apparatus for enabling real-time bi-directional transactions on a network 318 1996
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5677955 Electronic funds transfer instruments 1070 1995
 
CHECKFREE CORPORATION (2)
5873072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 349 1995
6289322 Electronic bill processing 401 1998
 
FUJITSU LIMITED (4)
6003762 Transaction terminal for an electronic cashless system 267 1994
5848427 Information changing system and method of sending information over a network to automatically change information output on a user terminal 107 1996
5913202 Financial information intermediary system 414 1997
2003/0018,915 Method and system for user authentication and authorization of services 52 2001
 
FIRST DATA CORPORATION (7)
6141651 Funding and settlement integrated suspense processing system 154 1998
6820202 Account authority digital signature (AADS) system 101 1998
6135349 System and method for enabling a merchant to apply for a credit card processing account using the internet 188 1999
6202005 System for selectively printing messages and adding inserts to merchant statements 83 1999
6349242 Method for selectively printing messages and adding inserts to merchant statements 75 2001
6623415 Sheet folding systems and methods 64 2001
2003/0115,160 Weight measuring systems and methods for weighing items 59 2002
 
BOWIE, STUART S. (1)
6195644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 188 1999
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5265033 ATM/POS based electronic mail system 497 1991
5473143 ATM/POS based electronic mail system 321 1993
 
HUMANA INC. (1)
2003/0154,403 Web-based security with controlled access to data and resources 95 2002
 
TELECOM ITALIA S.P.A. (1)
6738779 Apparatus for and method of multiple parallel string searching 72 2001
 
BLOCK FINANCIAL LLC (1)
6014645 Real-time financial card application system 492 1996
 
CASIO COMPUTER CO., LTD. (1)
4801787 IC card identification system having first and second data identification functions 89 1986
 
MINOLTA CO., LTD. (1)
6075519 Operational mode setting apparatus for display screen 56 1996
 
V-ONE CORPORATION (1)
5590197 Electronic payment system and method 878 1995
 
BORLAND SOFTWARE CORPORATION (1)
5603025 Methods for hypertext reporting in a relational database management system 295 1994
 
TRADEWARE TECHNOLOGIES, INC. (1)
5235509 Customer self-ordering system using information displayed on a screen 286 1989
 
SHEP DATA FUNDING LLC (1)
5761661 Data management system and method 132 1994
 
ZYNGA INC. (3)
5921864 Electronic word puzzle game 87 1996
5798508 Postpaid traveler's checks 91 1996
6006205 Credit card billing method and system 150 1997
 
SUPERMARKETS ONLINE, INC. (1)
6298330 Communicating with a computer based on the offline purchase history of a particular consumer 239 1999
 
Phoenix Licensing, LLC (2)
5987434 Apparatus and method for transacting marketing and sales of financial products 504 1996
6076072 Method and apparatus for preparing client communications involving financial products and services 342 1997
 
HARRAH'S OPERATING COMPANY, INC. (1)
5761647 National customer recognition system and method 714 1996
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 129 2001
 
PAYPAL, INC. (4)
5826241 Computerized system for making payments and authenticating transactions over the internet 889 1994
5832460 Method and system for bill presentation and payment reconciliation 366 1995
6327578 Four-party credit/debit payment protocol 470 1998
6267292 Method and apparatus for funds and credit line transfers 348 1999
 
JPMORGAN CHASE BANK, AS ADMINISTRATIVE AGENT (11)
6266683 Computerized document management system 176 1997
6006249 Method and apparatus for concurrent data processing 151 1997
6070244 Computer network security management system 310 1997
6438666 Method and apparatus for controlling access to confidential data by analyzing property inherent in data 82 1998
6301567 Lockbox browser system 114 1998
6227447 Cardless payment system 452 1999
6557039 System and method for managing information retrievals from distributed archives 246 1999
6532284 Method and system for optimizing bandwidth cost via caching and other network transmission delaying techniques 129 2001
6772146 Website for financial information 97 2001
2002/0077,978 Method and system for processing internet payments 388 2001
2003/0105,981 System and method for single session sign-on 120 2001
 
MICROSOFT TECHNOLOGY LICENSING, LLC (11)
5852812 Billing system for a network 592 1995
6189029 Web survey tool builder and result compiler 331 1996
5842211 Method and system for transferring a bank file to an application program 150 1997
5883810 Electronic online commerce card with transactionproxy number for online transactions 734 1997
6026429 Seamless integration of internet resources 246 1997
6308273 Method and system of security location discrimination 450 1998
6308274 Least privilege via restricted tokens 187 1998
6584505 Authenticating access to a network server without communicating login information through the network server 177 1999
6574348 Technique for watermarking an image and a resulting watermarked image 77 1999
6401211 System and method of user logon in combination with user authentication for network access 151 2000
6892231 Method and apparatus for verifying the contents of a global configuration file 58 2000
 
GOETEL COMMUNICATIONS CORP. (1)
5546452 Communications system using a central controller to control at least one network and agent system 270 1995
 
ASPEN MARKETING SERVICES, INC. (1)
5983196 Interactive computerized methods and apparatus for conducting an incentive awards program 230 1996
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (2)
5825870 Methods and apparatus for implementing a network call center 131 1996
6170011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 438 1998
 
CK GLOBAL INC. (1)
2002/0019,938 Method and apparatus for secure identification for networked environments 60 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 684 1994
 
Electronic Consumer Concepts, L.L.C. (1)
5845259 Electronic coupon dispensing system 437 1996
 
QUALCOMM INCORPORATED (1)
2006/0091,853 Battery disable/enable control circuitry of a portable computing device 1 2005
 
CURSYS, INC. (NOW CURRENCY SCIENTIFIC INC.) (1)
5420405 Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes 312 1993
 
VERIZON PATENT AND LICENSING INC. (3)
6088451 Security system and method for network element access 416 1996
5944824 System and method for single sign-on to a plurality of network elements 415 1997
6202151 System and method for authenticating electronic transactions using biometric certificates 239 1997
 
SYNAPSE GROUP, INC. (1)
6014641 Method and apparatus for providing open-ended subscriptions to commodity items normally available only through term-based subscriptions 111 1996
 
FAIR ISAAC CORPORATION (1)
5794178 Visualization of information using graphical representations of context vector based relationships and attributes 440 1996
 
E-TALK CORPORATION (2)
5621789 Method and system for integrating a plurality of call center agent performance enhancement modules 177 1993
5684870 Method and system for transferring calls and call-related data between a plurality of call centers 194 1996
 
SNAPCHAT, INC. (1)
6012088 Automatic configuration for internet access device 665 1996
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 131 2001
 
CLOUDING CORP. (1)
6925481 Technique for enabling remote data access and manipulation from a pervasive device 62 2001
 
ECTOLINK, LLC (1)
5826245 Providing verification information for a transaction 429 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 305 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 171 1996
6216115 Method for multi-directional consumer purchasing, selling, and transaction management 106 1998
 
LIFESHIELD SCIENCES LLC (1)
6016810 Endovasular aortic graft 116 1998
 
LOANX CORPORATION (1)
5966699 System and method for conducting loan auction over computer network 364 1996
 
GENERAL DYNAMICS C4 SYSTEMS, INC. (1)
5381332 Project management system with automated schedule and cost integration 197 1991
 
AT&T CORP. (2)
5835580 Method and apparatus for automated provisioning and billing of communication services 229 1996
5950174 Affiliation-based arrangement for billing 159 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 6 2006
* 2008/0065,569 Real-time product matching 38 2006
 
Aton Behavioral Finance, LLC (1)
* 8676708 Methods and apparatus for facilitating a financial transaction 0 2011
 
JPMORGAN CHASE BANK, AS ADMINISTRATIVE AGENT (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. (16)
9430773 Loyalty incentive program using transaction cards 4 2007
9613361 System and method for E-mail based rewards 0 2010
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
9576294 System and method for providing coupon-less discounts based on a user broadcasted message 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
9633362 System and method for creating reservations 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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