Currency transfer system and method using fixed limit cards

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 5350906
SERIAL NO

07981758

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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There is disclosed a currency transfer system and method which utilizes the existing ATM network but which provides for the temporary assignment of a PIN number and the temporary establishment of a credit limit within an existing account. Using the system a customer can, by using a temporary PIN at an ATM machine, withdraw an amount equal to or less than the temporary credit limit. The depositing customer purchases temporary ATM cards which have contained within them preprogrammed credit limits which are then read into the system under an assigned temporary PIN number.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
THE WESTERN UNION COMPANYENGLEWOOD, CO265

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Brody, Bill E 9254 Forest La., Apt. 904, Dallas, Dallas County, TX 75243 2 685
Tannenbaum, David H 14860 Oaks North Pl., Addison, Dallas County, TX 75001 23 1177

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
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United Services Automobile Association (10)
9129340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8464933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8837806 Remote deposit image inspection apparatuses, methods and systems 4 2011
8688579 Automatic remote deposit image preparation apparatuses, methods and systems 17 2011
9159101 Image processing 0 2011
8611635 Duplicate check detection 1 2012
9158966 Character count determination for a digital image 0 2013
9336517 Systems and methods for alignment of check during mobile deposit 0 2014
9177197 Systems and methods for alignment of check during mobile deposit 0 2014
9177198 Systems and methods for alignment of check during mobile deposit 0 2014
 
JPMORGAN CHASE BANK, N.A. (167)
7809636 System and method for multicurrency and multibank processing over a non-secure network 1 1999
7945492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 9 2000
7805365 Automated statement presentation, adjustment and payment system and method therefor 24 2000
7370004 Personalized interactive network architecture 76 2000
7068832 Lockbox imaging system 49 2000
6867789 System and method for generating graphical user interfaces 34 2000
8015084 System and method for linked account having sweep feature 9 2000
7584125 Electronic check presentment system and method having an item sequence capability 2 2000
6631849 Selectable multi-purpose card 500 2000
7822656 International banking system and method 10 2001
8805739 System and method for electronic bill pay and presentment 0 2001
8285641 System and method for selectable funding of electronic transactions 1 2001
7433829 System and method for managing global risk 11 2001
7512566 System and method for using a stored value account having subaccount feature 13 2001
7546272 Trade receivable processing method and apparatus 29 2002
7454373 System and method for providing automated database assistance to financial service operators 0 2002
7689482 System and method for payer (buyer) defined electronic invoice exchange 45 2002
7519560 System and method for electronic authorization of batch checks 44 2002
7401048 System and method for trade settlement tracking and relative ranking 79 2002
7536354 Methods for electronic multiparty accounts receivable and accounts payable systems 114 2002
7587363 System and method for optimized funding of electronic transactions 136 2002
7809641 System and method for funding a collective account 14 2002
7860789 Multiple account advanced payment card and method of routing card transactions 18 2002
7165049 Sponsor funded stored value card 107 2002
7801816 System and method for currency selectable stored value instrument 2 2003
7627521 System and method for processing mircotransactions 9 2003
8239304 Method and system for providing pre-approved targeted products 1 2003
7769650 Network-based sub-allocation systems and methods for swaps 35 2003
8751391 System and process for performing purchase transactions using tokens 30 2003
7899753 Systems and methods for time variable financial authentication 12 2003
7676425 Method and system for providing flexible financing 24 2003
8306907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7606727 System and method for identifying optimal marketing offers 4 2003
7953663 System and method for financial instrument pre-qualification and offering 9 2003
7809595 System and method for managing risks associated with outside service providers 11 2003
8239323 Method and system for distribution of unactivated bank account cards 2 2003
7130828 Debit purchasing of stored value card for use by and/or delivery to others 55 2003
* 2010/0287,092 Method and system for real estate loan administration 6 2004
8630947 Method and system for providing electronic bill payment and presentment 15 2004
8429006 System and method for offer targeting 0 2004
7467106 System and method for offer management 15 2004
8290862 Method and system for expediting payment delivery 3 2004
7392222 System and method for providing promotional pricing 123 2004
7707111 Customer activated multi-value (CAM) card 35 2004
7349866 System and method for funding a collective account by use of an electronic tag 44 2004
7363273 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7174314 Debit purchasing of stored value card for use by and/or delivery to others 26 2004
7174315 Debit purchasing of stored value card for use by and/or deliveries to others 68 2004
7174316 Debit purchasing of stored value card for use by and/or delivery to others 27 2004
7174317 Debit purchasing of stored value card for use by and/or delivery to others 59 2004
7171388 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7191952 Selectable multi-purpose card 121 2004
7983468 Method and system for extracting information from documents by document segregation 7 2005
8630898 Stored value card provided with merchandise as rebate 0 2005
7380707 Method and system for credit card reimbursements for health care transactions 108 2005
7756896 System and method for multi-dimensional risk analysis 38 2005
7360686 Method and system for discovering significant subsets in collection of documents 2 2005
7660763 Customer activated multi-value (CAM) card 20 2005
7263507 Customer activated multi-value (CAM) card 59 2005
8121944 Method and system for facilitating network transaction processing 88 2005
7676409 Method and system for emulating a private label over an open network 54 2005
7822684 Personalized bank teller machine 11 2005
7401731 Method and system for implementing a card product with multiple customized relationships 104 2005
8290863 Method and system for expediting payment delivery 3 2005
7801799 Customer activated multi-value (CAM) card 5 2005
8719085 System and method for administering a brokerage rebate card program 2 2006
7941355 Universal payment protection 5 2006
7809642 Debit purchasing of stored value card for use by and/or delivery to others 5 2006
7591416 Selectable multi-purpose card 63 2006
7676429 Credit instrument and system providing multiple services including access to credit services and access to a service provider club 0 2006
7311244 System and method for funding a collective account by use of an electronic tag 29 2006
7306141 System and method for funding a collective account by use of an electronic tag 29 2006
7784682 System and method for granting promotional rewards to both customers and non-customers 5 2006
7822682 System and method for enhancing supply chain transactions 49 2006
7260549 Method and system for managing risk 31 2006
8781905 System and method for transponder-enabled account transactions 0 2006
7505918 Method and system for managing risks 5 2006
7317823 Lockbox imaging system 80 2006
7360693 System and method for a card benefit program providing benefits to program members based on program performance 42 2006
7753259 System and method for granting promotional rewards to both customers and non-customers 46 2006
7801814 System and method for selectable funding of electronic transactions 17 2006
7734545 Method and system for processing recurring payments 45 2006
8301529 Method and system for implementing effective governance of transactions between trading partners 1 2006
7357331 Selectable multi-purpose card 57 2006
8468071 Processing transactions using a register portion to track transactions 1 2006
7366698 Trade receivable processing method and apparatus 7 2006
7603283 Method and system for managing risk 6 2007
7805368 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
* 2008/0021,822 METHOD AND SYSTEM FOR RECEIVABLES MANAGEMENT 7 2007
7818253 Debit purchasing of stored value card for use by and/or delivery to others 5 2007
8020754 System and method for funding a collective account by use of an electronic tag 6 2007
8768836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image 4 2007
7916925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
8800857 System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag 1 2007
8417601 Variable rate payment card 0 2007
7471818 Lockbox imaging system 60 2007
8118216 Method and system for discovering significant subsets in collection of documents 11 2007
8033451 System and method for funding a collective account by use of an electronic tag 1 2007
* 2008/0061,136 METHDO AND SYSTEM FOR DISCOVERING SIGNIFICANT SUBSETS IN COLLECTION OF DOCUMENTS 1 2007
7809643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7680735 Trade receivable processing method and apparatus 40 2007
7949574 Personalized interactive network architecture 12 2007
7766244 System and method for processing transactions using a multi-account transactions device 49 2007
8676642 System and method for granting promotional rewards to financial account holders 3 2008
7747463 Debit purchasing of stored value card for use by and/or delivery to others 30 2008
8788281 System and method for processing qualified healthcare account related financial transactions 1 2008
7743979 Method and system for credit card reimbursements for health care transactions 43 2008
7660765 System and method for processing microtransactions 6 2008
8762270 System and method for providing supplemental payment or transaction information 0 2008
8533111 System and method for providing promotional pricing 0 2008
7890422 Multiple account advanced payment card and method of routing card transactions 30 2008
8245909 Method and system for implementing a card product with multiple customized relationships 2 2008
8112355 Method and system for buyer centric dispute resolution in electronic payment system 0 2008
8391584 Method and system for duplicate check detection 0 2008
7668363 Lockbox imaging system 48 2008
D602522 Transaction device 59 2008
8622308 System and method for processing transactions using a multi-account transactions device 0 2009
8725611 System and method for providing borrowing schemes 0 2009
8554652 System and method for providing borrowing schemes 0 2009
8078528 System and method for providing borrowing schemes 50 2009
* 2009/0192,940 SYSTEM FOR PROVIDING CARDLESS PAYMENT 17 2009
9240089 Systems and methods for time variable financial authentication 1 2009
7926711 System and method for granting promotional rewards to both customers and non-customers 10 2009
8459562 System and method for processing transactions using a multi-account transactions device 3 2009
8190522 System and method for providing borrowing schemes 3 2009
8065231 Trade receivable processing method and apparatus 1 2009
8408455 System and method for granting promotional rewards to both customers and non-customers 1 2009
8095459 Method and system for providing flexible financing 1 2010
8645265 System and method for card processing with automated payment of club, merchant, and service provider fees 0 2010
8045784 Lockbox imaging system 41 2010
8170936 Method and system for emulating a private label over an open network 1 2010
* 2010/0153,199 METHOD AND SYSTEM FOR EMULATING A PRIVATE LABEL OVER AN OPEN NETWORK 15 2010
8447641 System and method for automatically enrolling buyers into a network 1 2010
7904388 Method and system for processing recurring payments 0 2010
8015096 Network-based sub-allocation systems and methods for swaps 0 2010
8160942 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2010
8005756 Debit purchasing of stored value card for use by and/or delivery to others 3 2010
8145549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8380597 International banking system and method 0 2010
8589288 System and method for electronic remittance of funds 1 2010
8517258 System and method for granting promotional rewards to both customers and non-customers 30 2011
8121385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011
8326694 Personalized interactive network architecture 4 2011
8543503 Systems and methods for automated invoice entry 0 2011
8543504 Systems and methods for automated invoice entry 0 2011
8244625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2011
8429072 System and method for processing microtransactions 0 2011
8429069 System and method for processing microtransactions 0 2011
8396798 Method and system for facilitating network transaction processing 2 2012
8538876 System and method for providing borrowing schemes 0 2012
8463681 Method and system for distribution of unactivated bank account cards 0 2012
8469265 Method and system for implementing a card product with multiple customized relationships 0 2012
8484129 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 1 2012
D678653 Drive-up financial transaction machine 14 2012
8639017 Method and system for duplicate check detection 2 2012
9020850 Method and system for implementing effective governance of transactions between trading partners 0 2012
8924289 International banking system and method 0 2013
D693984 Drive-up financial transaction machine 7 2013
8706625 System and method for providing borrowing schemes 0 2013
9710851 System and method for generating graphical user interface 0 2013
9092447 Method and system for duplicate detection 0 2013
8533086 Variable rate payment card 0 2013
D690074 Financial transaction machine 6 2013
8752759 Method and system for implementing a card product with multiple customized relationships 1 2013
9058626 System and method for financial services device usage 0 2013
8925802 Method and system for implementing a card product with multiple customized relationships 0 2014
9460469 System and method for financial services device usage 0 2015
 
DATACARD CORPORATION (2)
6446832 Virtual multihopper card feeder 10 1998
6220511 Card issuance system and process 18 1998
 
FEXCO MERCHANT SERVICES (1)
7458507 ATM machine and methods with currency conversion capabilities 41 2007
 
XYLON LLC (1)
* 6213390 Transaction method of electronic money system 87 1996
 
Orbis Patents Ltd. (15)
* 7571142 Credit card system and method 58 2000
7433845 Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions 120 2000
7136835 Credit card system and method 150 2000
7593896 Credit card system and method 50 2000
7567934 Credit card system and method 55 2002
* 2003/0028,481 Credit card system and method 357 2002
* 2003/0018,567 Business-to-business commerce using financial transaction numbers 125 2002
8527416 Business-to-business commerce using financial transaction numbers 1 2008
* 2008/0120,238 Business-to Business commerce using financial transaction numbers 7 2008
8676707 Credit cards system and method having additional features 0 2008
* 2009/0037,333 Credit cards system and method having additional features 60 2008
7895122 Person-to-person, person-to business and business-to-business financial transaction system 22 2008
* 2009/0070,260 CREDIT CARD SYSTEM AND METHOD 15 2008
8756150 Credit card system and method 0 2009
* 2009/0134,217 CREDIT CARD SYSTEM AND METHOD 45 2009
 
STRADACOM, LLC (1)
* 5663546 Method for holding and dispensing cash upon demand at a remote location 44 1995
 
Cash Technologies, Inc. (2)
6318536 Multi-transaction coin machine 184 1999
6308887 Multi-transactional architecture 389 1999
 
WALKER DIGITAL, LLC (1)
6330544 System and process for issuing and managing forced redemption vouchers having alias account numbers 191 1999
 
QUALCOMM INCORPORATED (1)
9262655 System and method for enhanced RFID instrument security 0 2014
 
FIRST USA BANK, N.A. (1)
* 2004/0143,553 System and method for remotely generating instruments 4 2001
 
INTEGRATED TECHNOLOGY SYSTEMS, INC. (1)
* 2011/0145,145 Integrated Technology Money Transfer System 4 2011
 
Obis Patents Ltd. (1)
6636833 Credit card system and method 305 1999
 
CC SERVE CORPORATION (2)
* 7933833 Method and system for rapid loan approval 46 2006
* 2008/0059,363 Method and System for Rapid Loan Approval 48 2006
 
Nexxo Financial, Inc. (2)
7735125 Systems and methods for identifying and verifying a user of a kiosk using an external verification system 21 2004
7641113 Systems and methods for generating revenue from banking transactions using a stored-value card 5 2004
 
NEXXO FINANCIAL CORPORATION (1)
* 2005/0082,364 Systems and methods for banking transactions using a stored-value card 80 2004
 
DI-WALKOR III SERVICES LLC (2)
* 2004/0230,495 Computer systems and methods supporting on-line interaction with content, purchasing, and searching 23 2004
* 2007/0192,171 Computer apparatus and methods supporting different categories of users 3 2007
 
Certegy Check Services, Inc. (2)
8082207 Scored negative file system and method 3 2004
* 2005/0283,429 Scored negative file system and method 29 2004
 
CITICORP (1)
* 5914472 Credit card spending authorization control system 546 1997
 
III HOLDINGS 1, LLC (26)
7627531 System for facilitating a transaction 105 2001
* 2001/0034,720 System for facilitating a transaction 282 2001
8429041 Systems and methods for managing account information lifecycles 6 2003
8543423 Method and apparatus for enrolling with multiple transaction environments 0 2003
* 2004/0158,532 System for facilitating a transaction 62 2004
7925535 System and method for securing RF transactions using a radio frequency identification device including a random number generator 4 2004
7542942 System and method for securing sensitive information during completion of a transaction 20 2004
7463133 Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts 2 2004
7835960 System for facilitating a transaction 43 2004
* 2004/0210,449 SYSTEM FOR FACILITATING A TRANSACTION 66 2004
* 2004/0210,448 SYSTEM FOR FACILITATING A TRANSACTION 8 2004
8960535 Method and system for resource management and evaluation 0 2004
7768379 Method and system for a travel-related multi-function fob 1 2004
7587756 Methods and apparatus for a secure proximity integrated circuit card transactions 17 2004
* 2006/0076,400 LIMITED USE PIN SYSTEM AND METHOD 59 2004
8635131 System and method for managing a transaction protocol 0 2004
* 2005/0160,003 SYSTEM AND METHOD FOR INCENTING RFID TRANSACTION DEVICE USAGE AT A MERCHANT LOCATION 45 2005
7543738 System and method for secure transactions manageable by a transaction account provider 36 2005
9031880 Systems and methods for non-traditional payment using biometric data 1 2006
8121941 System and method for automatic reconciliation of transaction account spend 3 2006
7441697 Limited use pin system and method 8 2007
7448538 Limited use pin system and method 11 2007
7494058 Smartcard transaction method and system using voiceprint recognition 20 2007
7793845 Smartcard transaction system and method 6 2009
8016191 Smartcard transaction system and method 33 2010
* 2011/0161,235 SYSTEM AND METHOD FOR SECURING RF TRANSACTIONS USING A RADIO FREQUENCY IDENTIFICATION DEVICE INCLUDING A RANDOM NUMBER GENERATOR 56 2011
 
COINSTAR, LLC (6)
7131580 Coin counter and voucher dispensing machine and method 53 2005
7464802 Method and apparatus for conditioning coins prior to discrimination 32 2006
7303119 Coin counter and voucher dispensing machine and method 53 2006
7520374 Coin discrimination apparatus and method 47 2007
7527193 Coin counter and voucher dispensing machine and method 17 2007
7874478 Coin counter and voucher dispensing machine and method 48 2009
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
* 5883452 Credit card system and method of issuing credit card using such a system 22 1995
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (3)
7072864 Customer activated multi-value (CAM) card 148 2003
7086586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 19 2004
7051925 System and method for funding a collective account by use of an electronic tag 111 2004
 
GLOBAL WIRENET, L.L.C. (1)
* 6149057 System and method for transfer of funds using preprinted sealed security code packet and automated teller machine 6 1998
 
FIRST DATA MERCHANT SERVICES (1)
7219832 ATM machine and methods with currency conversion capabilities 11 2005
 
EWI HOLDINGS, INC. (13)
* 2005/0229,003 System and method for distributing personal identification numbers over a computer network 11 2004
* 2005/0008,132 System and method for distributing personal identification numbers over a computer network 18 2004
7909242 System and method for electronic prepaid account replenishment 6 2006
* 2010/0036,743 TRANSACTION PROCESSING PLATFORM FOR FACILITATING ELECTRONIC DISTRIBUTION OF PLURAL PREPAID SERVICES 7 2009
8160217 Systems, methods and apparatus for receipt printing and information display in a personal identification number delivery system 3 2009
* 2010/0299,733 SYSTEM AND METHOD FOR DISTRIBUTING PERSONAL IDENTIFICATION NUMBERS OVER A COMPUTER NETWORK 7 2010
8472594 Systems and methods for personal identification number distribution and delivery 5 2010
* 2010/0299,221 SYSTEM AND METHOD FOR DISTRIBUTING PERSONAL IDENTIFICATION NUMBERS OVER A COMPUTER NETWORK 8 2010
8479980 System and method for electronic prepaid account replenishment 7 2011
8594286 Systems and methods for personal identification number distribution and delivery 2 2012
8967464 System and method for electronic prepaid account replenishment 1 2013
8867713 Systems and methods for personal identification number distribution and delivery 1 2013
9558484 System and method for electronic prepaid account replenishment 0 2015
 
UNIVERSAL TRANSACTIONS SYSTEMS LIMITED (1)
* 2008/0210,752 SYSTEM AND METHOD FOR TRANSFERRING FUNDS 12 2008
 
UNIVERSAL TRANSACTION SYSTEMS LIMITED (1)
* 2009/0150,294 SYSTEMS AND METHODS FOR AUTHENTICATING FINANCIAL TRANSACTIONS INVOLVING FINANCIAL CARDS 9 2008
 
MONEYGRAM INTERNATIONAL, INC. (2)
8744959 Electronic bill payment with variable payment options 2 2008
* 2010/0042,537 ELECTRONIC BILL PAYMENT WITH VARIABLE PAYMENT OPTIONS 14 2008
 
AT&T CORP. (2)
* 5950174 Affiliation-based arrangement for billing 161 1997
* 6105863 Method and system for continuing billing arrangements 5 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
* 2002/0128,977 Microchip-enabled online transaction system 126 2001
* Cited By Examiner