US Patent Application No: 2007/0118,470

Number of patents in Portfolio can not be more than 2000

System and Method for Establishing or Modifying an Account With User Selectable Terms

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1969

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barrett, Donna M Wilmington, DE 3 239
Ehemann, Karen R Newark, DE 3 239
Schmitt, Donald H Greenville, DE 10 337
Warren, Mary Carter Baltimore, MD 3 239

Cited Art Landscape

Patent Info (Count) # Cites Year
 
STRATEGIC PROCESSING CORPORATION (1)
* 4,799,156 Interactive market management system 1785 1986
 
Other [Check patent profile for assignment information] (6)
* 4,567,359 Automatic information, goods and services dispensing system 501 1984
* 5,287,268 Centralized consumer cash value accumulation system for multiple merchants 505 1992
* 6,038,547 Construction tracking and payment method and system 140 1998
* 6,032,134 Credit card billing system for identifying expenditures on a credit card account 135 1998
* 2002/0007,313 Credit system 126 2001
* 2002/0018,585 System and method for cardless secure credit transaction processing 74 2001
 
7 DEGREES, INC. (1)
* 5,594,837 Method for representation of knowledge in a computer as a network database system 121 1994
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
* 5,870,725 High volume financial image media creation and display system and method 306 1995
 
SOPHEON UK LIMITED (1)
* 6,526,404 Information system using human resource profiles 52 2000
 
CITIBANK, N.A. (1)
* 5,710,889 Interface device for electronically integrating global financial services 710 1995
 
SYSTEMS SPRAY COOLED, INC. (1)
* 6,185,242 Integral side wall and tap hole cover for an eccentric bottom tap (EBT) electric furnace 56 2000
 
NEW FIRST CITY, TEXAS - AUSTIN, N.A. (1)
* 4,725,719 Restricted purpose, commercial, monetary regulation method 196 1986
 
Spot Metals Online (1)
* 5,715,402 Method and system for matching sellers and buyers of spot metals 517 1995
 
RATEZE REMOTE MGMT. L.L.C. (1)
* 5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 289 1996
 
ORACLE AMERICA, INC. (4)
* 5,715,450 Method of selecting and presenting data from a database using a query language to a user of a computer system 556 1995
* 5,884,288 Method and system for electronic bill payment 374 1996
* 5,873,096 Method of maintaining a network of partially replicated database system 637 1997
* 6,510,523 Method and system for providing limited access privileges with an untrusted terminal 102 1999
 
RISEN, KATHERINE D. (1)
* 6,018,714 Method of protecting against a change in value of intellectual property, and product providing such protection 163 1997
 
PRAGMATUS TELECOM, LLC (1)
* 5,884,032 System for coordinating communications via customer contact channel changing system using call centre for setting up the call between customer and an available help agent 825 1995
 
CU DIRECT CORPORATION (1)
* 5,611,052 Lender direct credit evaluation and loan processing system 450 1993
 
SMART TV LLC (1)
* 5,880,769 Interactive smart card system for integrating the provision of remote and local services 361 1995
 
CITICORP DEVELOPMENT CENTER, INC. (1)
* 5,485,370 Home services delivery system with intelligent terminal emulator 247 1993
 
BROADCOM CORPORATION (1)
* 6,690,199 Methods and systems for providing load-adaptive output current drive 2 2002
 
INTER*ACT SYSTEMS, INC. (1)
* 5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 404 1994
 
H-Renee, Incorporated (1)
* 4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1274 1989
 
CANON KABUSHIKI KAISHA (1)
* 6,182,225 Network data base control device and method thereof 78 1998
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (1)
* 6,038,552 Method and apparatus to process combined credit and debit card transactions 233 1997
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
* 5,604,490 Method and system for providing a user access to multiple secured subsystems 165 1994
* 6,178,511 Coordinating user target logons in a single sign-on (SSO) environment 212 1998
 
SHC Direct, Inc. (1)
* 6,014,635 System and method for providing a discount credit transaction network 226 1997
 
WILMINGTON TRUST, NATIONAL ASSOCIATION, AS ADMINISTRATIVE AGENT (1)
* 5,724,424 Digital active advertising 1055 1995
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
* 6,349,336 Agent/proxy connection control across a firewall 151 2000
 
LUCENT TECHNOLOGIES INC. (1)
* 5,857,079 Smart card for automatic financial records 336 1994
 
CATALINA MARKETING CORPORATION (1)
* 5,710,886 Electric couponing method and apparatus 581 1995
 
CISCO TECHNOLOGY, INC. (1)
* 6,687,222 Backup service managers for providing reliable network services in a distributed environment 126 1999
 
CHECKFREE CORPORATION (1)
* 5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 341 1995
 
FUJITSU LIMITED (1)
* 2003/0018,915 Method and system for user authentication and authorization of services 47 2001
 
ACCENTURE GLOBAL SERVICES LIMITED (1)
* 5,592,378 Computerized order entry system and method 438 1994
 
FIRST DATA CORPORATION (1)
* 6,349,242 Method for selectively printing messages and adding inserts to merchant statements 70 2001
 
OFFICIAL PAYMENTS CORPORATION (1)
* 5,870,724 Targeting advertising in a home retail banking delivery service 497 1995
 
BOWIE, STUART S. (1)
* 6,195,644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 183 1999
 
INTEL CORPORATION (1)
* 6,182,141 Transparent proxy server 151 1996
 
BLOCK FINANCIAL LLC (1)
* 6,014,645 Real-time financial card application system 463 1996
 
CASIO COMPUTER CO., LTD. (1)
* 4,801,787 IC card identification system having first and second data identification functions 84 1986
 
Dialware Inc. (1)
* 2004/0031,856 Physical presence digital authentication system 214 2003
 
COVERDELL & COMPANY (1)
* 2002/0010,599 Method for targeting insurance policy incentive rewards 61 2001
 
NUANCE COMMUNICATIONS, INC. (1)
* 5,598,557 Apparatus and method for retrieving and grouping images representing text files based on the relevance of key words extracted from a selected file to the text files 373 1992
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (2)
* 5,889,863 System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture 345 1996
* 2003/0023,880 Multi-domain authorization and authentication 55 2002
 
BORLAND SOFTWARE CORPORATION (1)
* 5,603,025 Methods for hypertext reporting in a relational database management system 286 1994
 
iMarket, Incorporated (1)
* 6,026,398 System and methods for searching and matching databases 279 1997
 
COMMUNITY UNITED IP, LLC (1)
* 5,862,223 Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce 847 1996
 
AMAZON.COM, INC. (2)
* 5,727,163 Secure method for communicating credit card data when placing an order on a non-secure network 407 1995
* 5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 616 1995
 
DATATREASURY CORPORATION (1)
* 6,182,052 Communications network interface for user friendly interactive access to online services 168 1997
 
NEC CORPORATION (1)
* 2002/0007,460 Single sign-on system and single sign-on method for a web site and recording medium 23 2001
 
MICROSOFT TECHNOLOGY LICENSING, LLC (3)
* 6,189,029 Web survey tool builder and result compiler 321 1996
* 5,883,810 Electronic online commerce card with transactionproxy number for online transactions 704 1997
* 6,026,429 Seamless integration of internet resources 210 1997
 
WALKER DIGITAL MANAGEMENT LIMITED PARTNERSHIP (1)
* 5,884,274 System and method for generating and executing insurance policies for foreign exchange losses 155 1996
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (7)
* 5,871,398 Off-line remote system for lotteries and games of skill 596 1996
* 5,884,270 Method and system for facilitating an employment search incorporating user-controlled anonymous communications 207 1996
* 5,884,272 Method and system for establishing and maintaining user-controlled anonymous communications 280 1996
* 6,012,983 Automated play gaming device 586 1996
* 6,010,404 Method and apparatus for using a player input code to affect a gambling outcome 195 1997
* 6,014,439 Method and apparatus for entertaining callers in a queue 138 1997
* 6,336,104 Method and apparatus for providing and processing installment plans at a terminal 82 1999
 
The United States of America as represented by the Secretary of the Air Force (1)
* 5,189,606 Totally integrated construction cost estimating, analysis, and reporting system 251 1991
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (1)
* 6,170,011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 411 1998
 
CK GLOBAL INC. (1)
* 2002/0019,938 Method and apparatus for secure identification for networked environments 54 2001
 
BMC Resources, Inc. (1)
* 5,715,298 Automated interactive bill payment system using debit cards 218 1997
 
VESDIA CORPORATION (1)
* 6,345,261 Customer loyalty investment program 205 1999
 
WALKER DIGITAL, LLC (1)
* 6,024,640 Off-line remote lottery system 433 1997
 
Synapse Group, Inc. (1)
* 6,014,641 Method and apparatus for providing open-ended subscriptions to commodity items normally available only through term-based subscriptions 106 1996
 
CHESS VENTURES LLC (1)
* 2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 94 2001
 
VIRNETX, INC. (1)
* 2003/0037,142 Agile network protocol for secure communications with assured system availability 67 2002
 
ALCATEL-LUCENT USA INC. (1)
* 6,014,636 Point of sale method and system 323 1997
 
LINGUATEG, INC. (1)
* 6,032,147 Method and apparatus for rationalizing different data formats in a data management system 115 1997
 
III HOLDINGS 1, LLC (1)
* 2002/0010,666 Mass customization billing engine 14 2001
 
SPENDINGMONEY, LLC (1)
* 5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 381 1997
 
SNAPCHAT, INC. (1)
* 6,012,088 Automatic configuration for internet access device 640 1996
 
THE BOEING COMPANY (1)
* 6,858,970 Multi-frequency piezoelectric energy harvester 126 2002
 
AEGIS TECHNOLOGIES, INC. (1)
* 5,606,496 Personal assistant computer method 140 1995
 
WASHINGTON MUTUAL BANK, F.A. (1)
* 5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 442 1995
 
JDA Software Group, Inc. (1)
* 6,983,421 Using connectors to automatically update graphical user interface elements at a client system according to an updated state of a configuration 77 2002
 
Broadvision, Inc. (1)
* 5,710,887 Computer system and method for electronic commerce 1493 1995
 
KONINKLIJKE KPN N.V. (1)
* 6,042,006 Authentication system wherein definition signals of two devices are altered, communicated between the two devices, and compared 57 1997
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (1)
* 6,343,279 System integrating credit card transactions into a financial management system 242 1998
 
Soverain Software LLC (1)
* 5,715,314 Network sales system 1311 1994
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
* 6,044,362 Electronic invoicing and payment system 425 1997
 
FACEBOOK, INC. (1)
* 6,014,638 System for customizing computer displays in accordance with user preferences 642 1996
 
LIFESHIELD SCIENCES LLC (1)
* 6,016,810 Endovasular aortic graft 101 1998
 
OPEN SOLUTIONS INC. (1)
* 5,602,936 Method of and apparatus for document data recapture 282 1995
 
TTI INVENTIONS C LLC (1)
* 5,084,816 Real time fault tolerant transaction processing system 193 1989
 
GENERAL DYNAMICS C4 SYSTEMS, INC. (1)
* 5,381,332 Project management system with automated schedule and cost integration 190 1991
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (5)
* 2009/0089,205 AUTOMATED QUALIFYING OF A CUSTOMER TO RECEIVE A CASH LOAN AT AN AUTOMATED TELLER MACHINE 14 2007
* 2008/0243,722 Method and process for facilitating donations via debt instruments 0 2007
* 2010/0088,202 Handling of Charge Fees On Debt Funded Account Card 0 2009
* 8,626,537 System and method for a combination group and individual travel insurance program 0 2011
* 2013/0166,324 SYSTEM AND METHOD FOR A COMBINATION GROUP AND INDIVIDUAL TRAVEL INSURANCE PROGRAM 1 2011
 
CAPITAL ONE FINANCIAL CORPORATION (2)
* 8,770,473 Systems and methods for providing flexible incentive rewards 0 2006
* 2007/0094,114 Systems and methods for providing flexible incentive rewards 15 2006
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
8,793,160 System and method for processing transactions 0 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (2)
* 2009/0327,107 CONSUMER SPENDING THRESHOLD EVALUATION 1 2009
* 2013/0046,670 SYSTEM AND METHOD FOR MANAGING ENHANCEMENT FEATURES ASSIGNED TO FINANCIAL PRESENTATION DEVICES 0 2012
 
SOFTBANKBB CORPORATION (1)
* 7,430,522 Exchange rate calculator 11 2007
 
Visa U.S.A. Inc. (1)
* 8,727,211 System and method for managing enhancement features assigned to financial presentation devices 0 2012
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
* 2010/0030,670 METHOD OF MONITORING DIFFERENT DEBIT CARD TRANSACTIONS ASSOCIATED WITH A SINGLE FUNDING SOURCE 1 2009
 
United Services Automobile Association (USAA) (2)
8,275,710 Systems and methods for automatic bill pay enrollment 0 2008
9,311,634 Systems and methods for automatic bill pay enrollment 0 2012
 
JPMORGAN CHASE BANK, N.A. (14)
7,689,504 System and method for establishing or modifying an account with user selectable terms 39 2002
8,290,862 Method and system for expediting payment delivery 1 2004
8,290,863 Method and system for expediting payment delivery 1 2005
7,734,545 Method and system for processing recurring payments 39 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 9 2006
7,766,244 System and method for processing transactions using a multi-account transactions device 43 2007
8,590,008 System and method for single sign on process for websites with multiple applications and services 0 2008
8,622,308 System and method for processing transactions using a multi-account transactions device 0 2009
9,240,089 Systems and methods for time variable financial authentication 0 2009
8,459,562 System and method for processing transactions using a multi-account transactions device 2 2009
8,447,670 Universal payment protection 1 2009
7,904,388 Method and system for processing recurring payments 0 2010
8,473,395 Universal payment protection 1 2011
8,447,672 Universal payment protection 1 2011
 
American International Group, Inc. (1)
* 2009/0043,614 PROCESSES AND SYSTEMS FOR DIRECT MARKETING INSURANCE PRODUCTS WITH VOICE RESPONSE UNIT TO CLOSE SALE THEREOF 1 2007
 
BANK OF AMERICA CORPORATION (4)
* 2010/0125,514 Least Cost Routing of Fund Transfer Transactions 33 2008
9,047,639 Service participation acknowledgement system 0 2010
* 2011/0238,568 Enhanced Optimized Routing With Volume Controls 1 2011
9,047,640 Exceeded account threshold service involving exceeded account threshold magnetic stripe 0 2013
 
BLACKHAWK MARKETING SERVICES, INC. (4)
* 2007/0022,046 PAYMENT PROGRAM FOR USE IN POINT-OF-SALE TRANSACTIONS 4 2006
* 2007/0022,008 PAYMENT PROGRAM FOR USE IN POINT-OF-SALE TRANSACTIONS 8 2006
* 2007/0022,047 PAYMENT PROGRAM FOR USE IN POINT-OF-SALE TRANSACTIONS 4 2006
* 2007/0022,048 PAYMENT PROGRAM FOR USE IN POINT-OF-SALE TRANSACTIONS 16 2006
 
METAVANTE CORPORATION (2)
* 2007/0288,313 E-Coupon System and Method 27 2007
* 2009/0106,115 E-Coupon Settlement and Clearing Process 46 2008
 
SAFEWAY INC. (1)
* 7,815,107 Payment program for use in point-of-sale transactions 2 2006
* Cited By Examiner