US Patent No: 5,453,601

Number of patents in Portfolio can not be more than 2000

Electronic-monetary system

3 Status Updates

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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An improved monetary system using electronic media to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with conventional paper money comprising (1) issuing banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic currency backed by demand deposits, or electronic credit authorizations; (2) correspondent banks that accept and distribute the electronic money; (3) a plurality of transaction devices that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money with other like transaction devices; (4) teller devices, associated with the issuing and correspondent banks, for process handling and interfacing the transaction devices to the issuing and correspondent banks, and for interfacing between the issuing and correspondent banks themselves; (5) a security arrangement for maintaining the integrity of the system; and (6) reconciliation and clearing processes to monitor and balance the monetary system.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
CITIBANK, N.A.NEW YORK, NY160

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Rosen, Sholom S New York, NY 29 6237

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (3)
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STRATEGIC PROCESSING CORPORATION (1)
* 4,799,156 Interactive market management system 1744 1986
 
Transac-Alcatel-Compagnie pour le Development des Transactions Automatiques (1)
* 4,498,000 Security method and device for communicating confidential data via an intermediate stage 78 1982
 
Personal Computer Card Corporation (1)
* 4,742,215 IC card system 137 1986
 
HITACHI MAXELL, LTD. (1)
* 4,767,920 Reader and writer for an IC card 53 1986
 
CITIBANK, N.A. (1)
* 4,751,640 Automated investment system 247 1984
 
NEW FIRST CITY, TEXAS - AUSTIN, N.A. (1)
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HITACHI, LTD. (2)
* 4,511,970 Portable terminal device 65 1982
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Toppan Moore Co., Ltd. (1)
* 4,734,568 IC card which can set security level for every memory area 149 1986
 
PASS TECHNOLOGIES, INC. (1)
* 4,906,828 Electronic money purse and fund transfer system 168 1988
 
RMR Systems, Inc. (1)
* 4,650,978 Off line cash card system and method 134 1986
 
YAMA CAPITAL, LLC (1)
* 4,995,081 Method and system for personal identification using proofs of legitimacy 177 1989
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
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Computer Security Corporation (1)
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INTERNATIONAL WEATHER COVERAGES, INC. (1)
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OKI ELECTRIC INDUSTRY CO., LTD. (1)
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Yeda Research and Development Company, Ltd. (1)
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CURRENCY SCIENTIFIC, INC. (1)
* 4,305,059 Modular funds transfer system 190 1980
 
TECHNOLOGY INNOVATIONS ASSOCIATES, LLC (2)
* 2004/0177,319 Computer system for automatic organization, indexing and viewing of information from multiple sources 22 2003
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NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
* 4,977,595 Method and apparatus for implementing electronic cash 210 1990
 
INTERNATIONAL SECURITY NOTE AND COMPUTER CORPORATION 33 AVENIDA FEDERICO BOYD, APARTADO 951 PANAMA CITY,PANAMA (1)
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CASIO COMPUTER CO., LTD. (3)
* 4,697,073 IC card 93 1986
* 4,692,601 Identification card including switching means for built-in battery 48 1986
* 4,727,244 IC card system 80 1986
 
HITACHI-OMRON TERMINAL SOLUTIONS CORP. (1)
* 4,757,185 Automatic cash transaction apparatus 96 1987
 
ALGORITHMIC RESEARCH LTD. (1)
* 4,964,164 RSA computation method for efficient batch processing 37 1989
 
NCR Corporation (2)
* 4,634,845 Portable personal terminal for use in a system for handling transactions 295 1984
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Tradevest, Inc. (1)
* 4,750,119 Purchasing system with rebate feature 349 1986
 
Electronique Serge Dassault (1)
* 4,992,646 Transaction system of the electronic purse type 147 1989
 
Omron Tateisi Electronics Co. (2)
* 4,736,094 Financial transaction processing system using an integrated circuit card device 219 1985
* 4,673,802 System for making payments for transactions 96 1986
 
Compagnie Internationale pour l'Informatique CII-Honeywell Bull (Societe Anonyme) (2)
* 4,467,139 Process and system for transmission of signed messages 158 1981
* 4,442,345 Apparatus for and method of recycling recording carriers, such as credit cards, including non-volatile erasable memories for identification data 63 1983
 
Exxon Chemical Patents Inc. (1)
* 4,677,088 High efficiency polymerization catalyst component for use in the polymerization of propylene and higher alpha-olefins 4 1986
 
VAN DETSAN NETWORKS LIMITED LIABILITY COMPANY (6)
* 4,759,064 Blind unanticipated signature systems 250 1985
* 4,949,380 Returned-value blind signature systems 96 1988
* 4,991,210 Unpredictable blind signature systems 77 1989
* 4,996,711 Selected-exponent signature systems 117 1989
* 4,914,698 One-show blind signature systems 100 1989
* 4,987,593 One-show blind signature systems 85 1990
 
COLLEGE SAVINGS BANK (3)
* 4,642,768 Methods and apparatus for funding future liability of uncertain cost 218 1984
* 4,752,877 Method and apparatus for funding a future liability of uncertain cost 355 1986
* 4,722,055 Methods and apparatus for funding future liability of uncertain cost 185 1987
 
The Vanguard Group, Inc. (1)
* 2005/0154,658 System and Method for Automatic Investment Planning 9 1999
 
BANK OF AMERICA CORPORATION (1)
* 4,597,046 Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets 318 1982
 
Intellicard International, Inc. (1)
* 4,614,861 Unitary, self-contained card verification and validation system and method 622 1984
 
DETHLOFF, JUERGEN (1)
* 4,968,873 Smart card issuing and receiving apparatus 339 1989
 
ICL Systems AB (1)
* 4,629,872 Method and apparatus for verifying personal identification numbers and checking stored number series in identification media 50 1984
 
SHARP KABUSHIKI KAISHA (1)
* 4,705,211 Card-type data terminal operatively connectable to electronic apparatus 84 1985
 
Juergen Dethloff (1)
* 4,837,422 Multi-user card system 481 1987
 
CP8 TECHNOLOGIES (2)
* 4,523,297 Hand-held processor with two-way dialog between microprocessor in case and microprocessor on carrier insertable into casing slot 128 1984
* 4,825,052 Method and apparatus for certifying services obtained using a portable carrier such as a memory card 163 1986
 
PLAROID CORPORATION (1)
* 4,879,747 Method and system for personal identification 345 1988
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
* 4,752,676 Reliable secure, updatable "cash" card system 234 1985
 
CII-HONEYWELL BULL (1)
* 4,549,075 Method for certifying the origin of at least one item of information stored in the memory of a first electronic device and transmitted to a second electronic device, and system for carrying out the method 72 1983
 
Atalla Corporation (1)
* 4,536,647 Pocket banking terminal, method and system 156 1983
 
RECOGNITION EQUIPMENT INCORPORATED (1)
* 4,404,649 Document processing system 109 1980
 
GTE SUPPORT SERVICES, INCORPORATED, A CORP OF DE (1)
* 4,727,243 Financial transaction system 352 1984
 
INFOSPACE, INC. (1)
* 4,529,870 Cryptographic identification, financial transaction, and credential device 427 1982
 
AMERICAN EXPRESS COMPANY (1)
* 4,453,074 Protection system for intelligent cards 355 1981
 
STEVEN M. HOFFBERG 2004-1 GRAT (1)
* 2002/0151,992 Media recording device with packet data interface 22 2002
 
MONEYFAX, INC. (4)
* 4,341,951 Electronic funds transfer and voucher issue system 289 1980
* 4,454,414 Funds transfer system using optically coupled, portable modules 467 1982
* 4,523,087 Transaction verification system using optical coupling data communication link 140 1982
* 4,625,276 Data logging and transfer system using portable and resident units 250 1983
* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (26)
* 5,812,670 Traceable anonymous transactions 137 1996
* 5,841,119 Smart tool for communication and an appliance making use thereof 15 1996
* 5,793,302 Method for securing information relevant to a transaction 83 1996
* 6,026,163 Distributed split-key cryptosystem and applications 86 1996
* 5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 195 1997
7,162,455 Unique time generating device and authenticating device using the same 0 1997
* 5,974,148 Method for securing information relevant to a transaction 114 1997
* 5,936,541 Method for securing information relevant to a transaction 99 1997
6,304,860 Automated debt payment system and method using ATM network 196 1997
* 2002/0013,767 Electronic funds transfer system for financial transactions 72 2001
8,818,903 Transaction coordinator for digital certificate validation and other services 0 2006
8,600,830 System and method for providing a payment to a non-winning auction participant 6 2010
* 2011/0137,750 INTERNET CURRENCY AND A SYSTEM AND METHOD FOR ONLINE INTERNET CURRENCY TRANSACTIONS 0 2010
8,904,181 System and method for secure three-party communications 0 2012
8,684,265 Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds 3 2012
8,668,146 Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds 4 2012
* 8,706,626 Systems and methods for provisionally transferring an electronic currency 0 2013
8,794,518 Conversion of loyalty points for a financial institution to a different loyalty point program for services 0 2013
8,783,563 Conversion of loyalty points for gaming to a different loyalty point program for services 0 2013
8,763,901 Cross marketing between an entity's loyalty point program and a different loyalty program of a commerce partner 0 2013
8,807,427 Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases 0 2013
8,789,752 Conversion/transfer of in-game credits to entity independent or negotiable funds 0 2013
8,833,650 Online shopping sites for redeeming loyalty points 0 2013
8,973,821 Conversion/transfer of non-negotiable credits to entity independent funds 0 2014
8,950,669 Conversion of non-negotiable credits to entity independent funds 0 2014
8,944,320 Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases 0 2014
 
GR INTELLECTUAL RESERVE, LLC (1)
6,898,299 Method and system for biometric recognition based on electric and/or magnetic characteristics 258 1999
 
SONY CORPORATION (2)
7,426,493 Electronic money system and electronic money terminal 2 2001
* 2001/0029,488 Electronic money system and electronic money terminal 2 2001
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
8,793,160 System and method for processing transactions 0 2003
 
SUMITOMO MITSUI BANKING CORPORATION (1)
* 6,085,168 Electronic commerce settlement system 251 1998
 
VISA INTERNATIONAL SERVICE ASSOCIATION (6)
6,385,595 Electronic statement presentment system 97 1999
8,335,745 Method and system for processing micropayment transactions 1 2007
8,676,639 System and method for promotion processing and authorization 0 2010
8,280,788 Peer-to-peer and group financial management systems and methods 0 2010
8,543,508 Gateway abstraction layer 2 2011
8,676,674 Peer-to-peer and group financial management systems and methods 0 2012
 
TECHNOLOGY RESEARCH GROUP LLC (1)
* 5,963,923 System and method for trading having a principal market maker 486 1997
 
RAWLLIN INTERNATIONAL INC. (1)
* 8,538,806 Systems and methods for establishing transactions utilizing a data store of billing information 0 2011
 
CAPITALWILL LLC (2)
* 8,630,951 Systems and methods for electronically circulating a currency 0 2009
* 2010/0306,092 SYSTEMS AND METHODS FOR ELECTRONICALLY CIRCULATING A CURRENCY 1 2009
 
LPL Licensing, LLC (2)
8,352,317 System for facilitating production of variable offer communications 0 2012
8,738,435 Method and apparatus for presenting personalized content relating to offered products and services 0 2013
 
REGULATORY DATACORP INTERNATIONAL LLC (4)
8,996,481 Method, system, apparatus, program code and means for identifying and extracting information 0 2004
8,762,191 Systems, methods, apparatus, and schema for storing, managing and retrieving information 0 2004
9,063,985 Method, system, apparatus, program code and means for determining a redundancy of information 0 2013
9,058,581 Systems and methods for managing information associated with legal, compliance and regulatory risk 0 2013
 
GILBARCO INC. (2)
8,386,322 Integrated point of sale terminal 0 2010
9,047,596 Integrated point of sale terminal 0 2013
 
WEBMONEY CORPORATION (1)
* 6,963,843 Electronic commerce system and recording medium 9 1998
 
SANDIA NATIONAL LABORATORIES (1)
* 7,234,059 Anonymous authenticated communications 23 2002
 
Open Invention Network, LLP (1)
8,341,421 System and method for enrolling in a biometric system 1 2010
 
CHASE MAHATTAN BANK USA, NATIONAL ASSOCIATION (1)
7,499,887 System and method for card processing with automated payment of club, merchant, and service provider fees 7 2005
 
RUESCH INTERNATIONAL, INC. (1)
* 2002/0023,053 System, method and apparatus for international financial transactions 73 2001
 
STIKINE TECHNOLOGY, LLC (23)
8,296,215 Trading system with elfs and umpires 0 2000
8,799,138 Routing control for orders eligible for multiple markets 0 2001
8,775,294 Automated linked order processing 0 2001
8,249,975 Automated first look at market events 1 2001
7,908,198 Automated preferences for market participants 5 2001
7,890,410 Automated trial order processing 2 2001
7,882,007 Platform for market programs and trading programs 5 2001
7,813,991 Automated trading negotiation protocols 0 2001
7,792,733 Automated synchronization of orders represented in multiple markets 3 2001
7,774,246 Automated price setting for paired orders 2 2001
7,644,027 Market program for interacting with trading programs on a platform 7 2001
7,539,638 Representation of order in multiple markets 11 2001
7,496,533 Decision table for order handling 28 2001
7,472,087 Trading program for interacting with market programs on a platform 23 2001
7,398,244 Automated order book with crowd price improvement 46 2001
* 7,383,220 Automated short term option order processing 45 2001
* 2001/0051,909 Market program for interacting with trading programs on a platform 49 2001
8,380,609 Trading system with ELFs and umpires 0 2006
7,890,415 Representation of order in multiple markets 1 2006
7,835,975 Automated synchronization of orders represented in multiple markets 1 2006
7,783,561 Automated synchronization of orders represented in multiple markets 0 2006
7,769,672 Routing control for orders eligible for multiple markets 0 2006
7,574,398 Platform for market programs and trading programs 0 2006
 
TALARIS HOLDINGS LIMITED (1)
* 7,765,135 Count and login management 1 2003
 
PPS DATA, LLC (6)
7,181,430 Method and system for processing financial instrument deposits physically remote from a financial institution 63 2000
7,216,106 Method and system for processing financial instrument deposits physically remote from a financial institution 108 2000
7,386,511 Methods and systems for processing financial instrument deposits 80 2003
7,440,924 Method and system for processing financial instrument deposits physically remote from a financial institution 50 2004
7,624,071 Method and system for processing financial instrument deposits physically remote from a financial institution 4 2008
8,126,809 Method and system for processing financial instrument deposits physically remote from a financial institution 1 2009
 
HEWLETT-PACKARD COMPANY (16)
* 6,016,484 System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment 345 1996
* 5,987,140 System, method and article of manufacture for secure network electronic payment and credit collection 308 1996
* 5,963,924 System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce 319 1996
* 5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 579 1996
6,178,409 System, method and article of manufacture for multiple-entry point virtual point of sale architecture 226 1996
* 6,119,105 System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture 137 1996
* 6,072,870 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 393 1996
* 6,026,379 System, method and article of manufacture for managing transactions in a high availability system 271 1996
* 6,002,767 System, method and article of manufacture for a modular gateway server architecture 269 1996
* 5,987,132 System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture 229 1996
* 5,983,208 System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 285 1996
* 5,889,863 System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture 331 1996
* 5,850,446 System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture 340 1996
* 5,812,668 System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture 270 1996
* 5,828,840 Server for starting client application on client if client is network terminal and initiating client application on server if client is non network terminal 215 1996
* 6,061,665 System, method and article of manufacture for dynamic negotiation of a network payment framework 298 1997
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (5)
6,373,950 System, method and article of manufacture for transmitting messages within messages utilizing an extensible, flexible architecture 255 1996
6,253,027 System, method and article of manufacture for exchanging software and configuration data over a multichannel, extensible, flexible architecture 174 1996
* 5,943,424 System, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture 250 1996
6,324,525 Settlement of aggregated electronic transactions over a network 273 1998
6,304,915 System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser 151 1999
 
GOLDMAN, SACHS & CO. (6)
8,140,415 Automated global risk management 6 2001
* 2002/0138,407 Automated global risk management 34 2001
* 7,899,722 Correspondent bank registry 6 2002
8,209,246 Proprietary risk management clearinghouse 4 2003
8,121,937 Gaming industry risk management clearinghouse 0 2003
8,843,411 Gaming industry risk management clearinghouse 0 2012
 
InterTrust Technologies Corp. (65)
6,157,721 Systems and methods using cryptography to protect secure computing environments 462 1996
5,943,422 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 826 1996
5,892,900 Systems and methods for secure transaction management and electronic rights protection 2045 1996
5,910,987 Systems and methods for secure transaction management and electronic rights protection 787 1996
5,917,912 System and methods for secure transaction management and electronic rights protection 633 1997
5,915,019 Systems and methods for secure transaction management and electronic rights protection 650 1997
5,920,861 Techniques for defining using and manipulating rights management data structures 566 1997
5,982,891 Systems and methods for secure transaction management and electronic rights protection 872 1997
6,112,181 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 813 1997
6,253,193 Systems and methods for the secure transaction management and electronic rights protection 623 1998
6,185,683 Trusted and secure techniques, systems and methods for item delivery and execution 664 1998
6,240,185 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 329 1999
7,233,948 Methods and apparatus for persistent control and protection of content 173 1999
6,138,119 Techniques for defining, using and manipulating rights management data structures 442 1999
6,363,488 Systems and methods for secure transaction management and electronic rights protection 480 1999
7,133,845 System and methods for secure transaction management and electronic rights protection 130 1999
6,389,402 Systems and methods for secure transaction management and electronic rights protection 389 1999
6,237,786 Systems and methods for secure transaction management and electronic rights protection 392 1999
7,069,451 Systems and methods for secure transaction management and electronic rights protection 88 1999
6,427,140 Systems and methods for secure transaction management and electronic rights protection 374 1999
7,133,846 Digital certificate support system, methods and techniques for secure electronic commerce transaction and rights management 199 1999
6,658,568 Trusted infrastructure support system, methods and techniques for secure electronic commerce transaction and rights management 426 1999
7,165,174 Trusted infrastructure support systems, methods and techniques for secure electronic commerce transaction and rights management 66 1999
7,092,914 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 44 2000
7,243,236 Systems and methods for using cryptography to protect secure and insecure computing environments 30 2000
7,430,670 Software self-defense systems and methods 97 2000
7,143,290 Trusted and secure techniques, systems and methods for item delivery and execution 34 2000
7,062,500 Techniques for defining, using and manipulating rights management data structures 85 2000
7,095,854 Systems and methods for secure transaction management and electronic rights protection 44 2000
6,292,569 Systems and methods using cryptography to protect secure computing environments 316 2000
6,948,070 Systems and methods for secure transaction management and electronic rights protection 122 2000
7,076,652 Systems and methods for secure transaction management and electronic rights protection 127 2001
6,449,367 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 291 2001
7,120,800 Systems and methods for secure transaction management and electronic rights protection 86 2001
7,120,802 Systems and methods for using cryptography to protect secure computing environments 33 2001
7,124,302 Systems and methods for secure transaction management and electronic rights protection 105 2001
7,051,212 Systems and methods for secure transaction management and electronic rights protection 54 2002
6,618,484 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 172 2002
7,143,066 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 68 2002
7,110,983 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 72 2002
6,938,021 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 132 2002
8,307,212 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 1 2003
7,100,199 Systems and methods for secure transaction management and electronic rights protection 70 2003
8,751,793 Trusted infrastructure support systems, methods and techniques for secure electronic commerce transaction and rights management 2 2003
7,415,617 Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing, and rights management 97 2004
7,392,395 Trusted and secure techniques, systems and methods for item delivery and execution 16 2005
7,281,133 Trusted and secure techniques, systems and methods for item delivery and execution 25 2005
7,844,835 Systems and methods for secure transaction management and electronic rights protection 13 2005
8,533,851 Systems and methods for secure transaction management and electronic rights protection 4 2006
8,185,473 Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing, and rights management 20 2006
7,917,749 Systems and methods for secure transaction management and electronic rights protection 8 2006
8,543,842 System and methods for secure transaction management and electronics rights protection 1 2006
7,925,898 Systems and methods using cryptography to protect secure computing environments 6 2006
7,984,509 Systems and methods for secure transaction management and electronic rights protection 4 2007
8,191,157 Systems and methods for secure transaction management and electronic rights protection 3 2007
7,831,823 Systems and methods for secure transaction management and electronic rights protection 5 2007
8,316,449 Systems and methods for secure transaction management and electronic rights protection 6 2007
8,141,165 Systems and methods for secure transaction management and electronic rights protection 4 2007
8,006,087 Systems and methods for secure transaction management and electronic rights protection 5 2007
8,464,077 Systems and methods for secure transaction management and electronic rights protection 0 2010
8,572,411 Systems and methods for secure transaction management and electronic rights protection 1 2010
8,402,557 Systems and methods for secure transaction management and electronic rights protection 1 2010
8,112,625 Systems and methods for secure transaction management and electronic rights protection 3 2010
8,677,507 Systems and methods for secure transaction management and electronic rights protection 1 2011
8,533,854 Systems and methods for secure transaction management and electronic rights protection 2 2011
 
SKILL VISION USA, LLC (1)
* 6,857,877 Recorded medium on which program for displaying skill, achievement level, display device, and displaying method 7 2002
 
ACCENTURE GLOBAL SERVICES LIMITED (1)
* 2012/0330,846 DYNAMIC ELECTRONIC MONEY 0 2012
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (1)
7,096,003 Transaction security apparatus 119 2001
 
A3 SOCIETY LLC (1)
8,010,451 Effecting financial transactions 3 2010
 
QUALCOMM Incorporated4 (1)
8,698,595 System and method for enhanced RFID instrument security 0 2012
 
MICALI, SILVIO (2)
* 5,666,420 Simultaneous electronic transactions 112 1996
* 6,141,750 Simultaneous electronic transactions with subscriber verification 44 1997
 
NCR Corporation (1)
* 7,219,083 Currency system 15 2001
 
XEROX CORPORATION (1)
* 6,073,160 Document communications controller 167 1996
 
AGROTEAM CONSULTANTS LTD. (1)
* 5,621,797 Electronic ticket presentation and transfer method 325 1995
 
NOAH SYSTEMS, INC. (1)
7,822,657 Automated accounting system 3 2001
 
NOKIA TECHNOLOGIES OY (1)
8,041,388 Method for using applications in a mobile station, a mobile station, and a system for effecting payments 0 2005
 
Transactions Holdings Ltd., LLC (1)
8,543,507 Automated transaction machine 0 2007
 
FRAUD CONTROL SYSTEMS.COM CORPORATION (3)
8,630,942 Method of billing a purchase made over a computer network 0 2008
8,229,844 Method of billing a purchase made over a computer network 3 2008
8,190,513 Method of billing a purchase made over a computer network 2 2008
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
* 2011/0244,799 SYSTEMS AND METHODS FOR OPERATING TRANSACTION TERMINALS 1 2011
 
GM NETWORK LIMITED (1)
* 5,983,207 Electronic cash eliminating payment risk 108 1997
 
CONTENTGUARD HOLDINGS, INC. (100)
7,356,688 System and method for document distribution 26 1999
7,286,665 System and method for transferring the right to decode messages 7 1999
6,937,726 System and method for protecting data files by periodically refreshing a decryption key 28 1999
6,859,533 System and method for transferring the right to decode messages in a symmetric encoding scheme 25 1999
7,068,787 System and method for protection of digital works 19 2000
6,885,748 System and method for protection of digital works 63 2000
7,073,199 Document distribution management method and apparatus using a standard rendering engine and a method and apparatus for controlling a standard rendering engine 20 2000
6,931,545 Systems and methods for integrity certification and verification of content consumption environments 52 2000
6,912,294 Multi-stage watermarking process and system 40 2000
7,359,881 System for controlling the distribution and use of digital works using secure components 3 2001
7,031,471 System for controlling the distribution and use of rendered digital works through watermarking 10 2001
6,944,600 System for controlling the distribution and use of digital works using digital tickets 18 2001
6,714,921 System for controlling the distribution and use of digital works using digital tickets 87 2001
6,708,157 System for controlling the distribution and use of digital works using digital tickets 43 2001
* 2001/0023,417 System for controlling the distribution and use of digital works using digital tickets 11 2001
7,343,324 Method, system, and computer readable medium for automatically publishing content 7 2001
7,222,104 Method and apparatus for transferring usage rights and digital work having transferrable usage rights 15 2001
6,976,009 Method and apparatus for assigning consequential rights to documents and documents having such rights 40 2001
6,973,445 Demarcated digital content and method for creating and processing demarcated digital works 22 2001
6,876,984 Method and apparatus for establishing usage rights for digital content to be created in the future 38 2001
6,754,642 Method and apparatus for dynamically assigning usage rights to digital works 11 2001
7,225,160 Digital works having usage rights and method for creating the same 6 2001
7,113,912 Composite digital works having usage rights and method for creating the same 23 2001
6,895,392 Usage rights grammar and digital works having usage rights created with the grammar 15 2001
7,743,259 System and method for digital rights management using a standard rendering engine 2 2002
7,085,741 Method and apparatus for managing digital content usage rights 51 2002
7,853,531 Method and apparatus for supporting multiple trust zones in a digital rights management system 0 2002
7,774,279 Rights offering and granting 2 2002
8,275,716 Method and system for subscription digital rights management 0 2002
8,099,364 Digital rights management of content when content is a future live event 1 2002
7,152,046 Method and apparatus for tracking status of resource in a system for managing use of the resources 14 2002
6,824,051 Protected content distribution system 54 2002
6,934,693 System for controlling the distribution and use of digital works 15 2002
7,974,923 Extensible rights expression processing system 0 2002
7,558,759 Systems and methods for creating, manipulating and processing rights and contract expressions using tokenized templates 9 2002
6,963,859 Content rendering repository 21 2003
6,920,436 Digital work structure 22 2003
8,108,313 Rights expression profile system and method using templates 3 2003
7,970,709 Method and apparatus for client customization by executing software parts on plural servers 1 2003
6,928,419 Method and apparatus for repackaging portions of digital works as new digital works 12 2003
6,865,551 Removable content repositories 10 2003
7,043,453 Method and system for conducting transactions between repositories using a repository transaction protocol 45 2003
8,543,511 System and method for specifying and processing legality expressions 0 2003
8,832,852 Method and apparatus for dynamic protection of static and dynamic content 0 2003
8,225,414 Method and apparatus for identifying installed software and regulating access to content 3 2003
7,913,095 Method and apparatus for providing a specific user interface in a system for managing content 0 2003
7,603,319 Method and apparatus for preserving customer identity in on-line transactions 2 2003
7,412,605 Method and apparatus for variable encryption of data 6 2003
7,269,735 Instance specific digital watermarks 11 2003
7,237,125 Method and apparatus for automatically deploying security components in a content distribution system 13 2003
7,206,941 Method and apparatus for validating security components through a request for content 10 2003
8,069,116 System and method for supplying and managing usage rights associated with an item repository 1 2003
7,206,765 System and method for supplying and managing usage rights based on rules 41 2003
6,957,194 Method for printing digital works 15 2003
7,065,505 Method for metering and pricing of digital works 4 2003
7,058,606 Method for loaning digital works 21 2003
7,024,392 Method for controlling use of database content 6 2003
6,957,193 Repository with security class and method for use thereof 27 2003
7,685,642 System and method for controlling rights expressions by stakeholders of an item 3 2003
6,925,448 Usage rights grammar and digital works having usage rights created with the grammar 3 2003
6,910,022 Usage rights grammar and digital works having usage rights created with the grammar 8 2003
7,840,488 System and method for granting access to an item or permission to use an item based on configurable conditions 2 2003
7,269,576 Content rendering apparatus 0 2004
7,805,371 Rights expression profile system and method 5 2004
7,269,577 System for controlling the distribution and use of digital works using digital tickets 10 2004
8,001,053 System and method for rights offering and granting using shared state variables 0 2004
7,774,280 System and method for managing transfer of rights using shared state variables 2 2004
8,660,961 Method, system, and device for license-centric content consumption 0 2004
7,200,574 System for controlling the distribution and use digital works using digital tickets 8 2004
7,725,401 Method and apparatus for establishing usage rights for digital content to be created in the future 3 2005
7,209,902 Repository with security class and method for use thereof 6 2005
7,260,556 Content rendering device with usage rights 6 2005
7,162,633 Method and apparatus for hierarchical assignment of rights to documents and documents having such rights 10 2005
7,266,529 Method and apparatus for executing code in accordance with usage rights 1 2005
7,184,571 Multi-stage watermarking process and system 9 2005
7,765,403 System for controlling the distribution and use of rendered digital works through watermarking 3 2005
7,809,644 Digital work structure 4 2005
7,389,270 System for controlling the distribution and use of digital works 7 2005
7,139,736 Content rendering repository 4 2005
7,117,180 System for controlling the use of digital works using removable content repositories 2 2005
7,609,848 Multi-stage watermarking process and system 3 2005
7,664,708 System for controlling the distribution and use of digital works using digital tickets 3 2005
7,720,767 Method and system to support dynamic rights and resources sharing 20 2005
7,523,072 System for controlling the distribution and use of digital works 27 2005
8,244,579 Method and apparatus for distributing enforceable property rights 0 2006
7,788,182 Method for loaning digital works 0 2006
8,869,293 Method and apparatus for hierarchical assignment of rights to documents and documents having such rights 0 2006
8,271,350 Method and system for automatically publishing content 2 2007
8,275,709 Digital rights management of content when content is a future live event 7 2008
8,205,089 System for controlling the distribution and use of rendered digital works through watermarking 1 2009
7,907,749 Multi-stage watermarking process and system 0 2009
8,170,955 System and method for enforcing usage rights associated with digital content 0 2009
8,412,644 Method and apparatus for establishing usage rights for digital content to be created in the future 0 2010
8,078,542 System and method for managing transfer of rights using shared state variables 1 2010
8,489,900 Method and apparatus for providing a specific user interface in a system for managing content 0 2011
8,768,850 Method, system, and device for license-centric content consumption 0 2011
8,862,517 Digital rights management of content when content is a future live event 0 2011
8,892,473 Method and system for subscription digital rights management 0 2012
8,468,098 Method and system for subscription digital rights management 0 2012
8,442,916 Digital rights management of content when content is a future live event 0 2012
 
IDENTRUS, INC. (1)
7,734,924 System and method for transparently providing certificate validation and other services within an electronic transaction 0 2006
 
ContentGuardiHoldings, Inc. (1)
7,028,009 Method and apparatus for distributing enforceable property rights 30 2002
 
BANK OF AMERICA, N.A. (1)
7,982,604 Tamper-indicating monetary package 3 2008
 
BANK OF AMERICA CORPORATION (16)
9,024,722 Remote identification equipped self-service monetary item handling device 0 2008
8,577,802 On-demand cash transport 1 2008
8,571,948 Extension of credit for monetary items still in transport 0 2008
8,556,167 Prediction of future cash supply chain status 1 2008
8,550,338 Cash supply chain notifications 0 2008
8,341,077 Prediction of future funds positions 1 2008
8,210,429 On demand transportation for cash handling device 1 2008
8,094,021 Monetary package security during transport through cash supply chain 3 2008
8,078,534 Cash supply chain surveillance 3 2008
* 7,982,610 Content-based prioritizing of deposits 1 2008
* 7,965,184 Cash handling facility management 3 2008
* 8,301,565 System and method for correspondent bank customer ATM transaction processing 3 2010
* 2011/0251,956 SYSTEM AND METHOD FOR CORRESPONDENT BANK CUSTOMER ATM TRANSACTION PROCESSING 4 2010
8,164,451 Cash handling facility management 2 2011
8,941,709 Video-assisted self-service transaction device 0 2012
8,896,653 Video-assisted self-service transaction device 0 2012
 
YT ACQUISITION CORPORATION (13)
7,269,737 System and method for biometric authorization for financial transactions 46 2002
7,367,049 System and method for enrolling in a biometric system 23 2003
7,082,415 System and method for biometrically-initiated refund transactions 21 2004
8,200,980 System and method for enrolling in a biometric system 2 2004
7,464,059 System and method for purchase benefits at a point of sale 16 2004
7,765,164 System and method for offering in-lane periodical subscriptions 12 2005
7,624,073 System and method for categorizing transactions 13 2005
7,437,330 System and method for categorizing transactions 44 2005
7,533,809 System and method for operating a parking facility 22 2005
7,533,066 System and method for biometrically-initiated refund transactions 14 2005
7,836,485 System and method for enrolling in a biometric system 13 2008
7,778,933 System and method for categorizing transactions 11 2008
7,769,695 System and method for purchase benefits at a point of sale 12 2008
 
IDENTRUST, INC. (3)
7,765,161 System and method for providing payment services in electronic commerce 3 2004
8,892,475 Provision of authorization and other services 0 2006
8,793,487 Binding a digital certificate to multiple trust domains 0 2009
 
SCITRAN INEORHERATED, INC. (1)
7,058,808 Method for making a blind RSA-signature and apparatus therefor 10 1999
 
CERTCO, INC. (6)
* 6,029,150 Payment and transactions in electronic commerce system 566 1996
* 5,903,882 Reliance server for electronic transaction system 363 1996
8,032,743 Reliance server for electronic transaction system 5 2001
* 2002/0062,438 Reliance server for electronic transaction system 54 2001
7,343,346 Computer-based method and system for aiding transactions 2 2002
8,321,348 Computer-based method and system for aiding transactions 1 2012
 
CC SERVE CORPORATION (1)
* 7,676,395 On-us cash withdrawal at a point-of-sale 0 2005
 
GHR SYSTEMS, INC. (1)
* 6,233,566 System, method and computer program product for online financial products trading 502 1999
 
III HOLDINGS 1, LLC (15)
8,429,041 Systems and methods for managing account information lifecycles 0 2003
8,543,423 Method and apparatus for enrolling with multiple transaction environments 0 2003
7,925,535 System and method for securing RF transactions using a radio frequency identification device including a random number generator 3 2004
7,542,942 System and method for securing sensitive information during completion of a transaction 19 2004
7,463,133 Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts 2 2004
* 7,835,960 System for facilitating a transaction 11 2004
8,960,535 Method and system for resource management and evaluation 0 2004
7,768,379 Method and system for a travel-related multi-function fob 0 2004
7,587,756 Methods and apparatus for a secure proximity integrated circuit card transactions 12 2004
9,031,880 Systems and methods for non-traditional payment using biometric data 0 2006
8,121,941 System and method for automatic reconciliation of transaction account spend 1 2006
7,441,697 Limited use pin system and method 8 2007
7,448,538 Limited use pin system and method 7 2007
7,793,845 Smartcard transaction system and method 3 2009
8,016,191 Smartcard transaction system and method 24 2010
 
BANK ONE, INDIANA, NA (3)
7,072,864 Customer activated multi-value (CAM) card 138 2003
7,086,586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 18 2004
7,051,925 System and method for funding a collective account by use of an electronic tag 107 2004
 
CITIBANK DEVELOPMENT CENTER, INC. (2)
8,112,330 System and method for delivering financial services 4 2000
8,543,506 System and method for delivering financial services 0 2011
 
KONINKLIJKE KPN N.V. (1)
* 5,924,084 Method for tracing payment data in an anonymous payment system 22 1996
 
EBAY INC. (4)
7,660,740 Method and system for listing items globally and regionally, and customized listing according to currency or shipping area 14 2001
8,266,016 Method and system for listing items globally and regionally, and customized listing according to currency or shipping area 5 2010
8,732,037 Method and system for providing a record 1 2012
8,712,913 Multi currency exchanges between participants 0 2012
 
TOUCH TECHNOLOGIES, INC. (3)
* 5,621,796 Transferring information between transaction networks 72 1994
* 5,596,642 Network settlement performed on consolidated information 73 1994
* 5,596,643 Network settlement performed on consolidated information 50 1996
 
WELLS FARGO BANK, N.A. (2)
8,145,567 Transaction ID system and process 0 2005
8,407,145 Transaction ID system and process 0 2012
 
SWISSCOM AG (2)
* 8,165,965 Transaction method with a mobile apparatus 2 2004
* 2004/0199,474 Transaction method with a mobile apparatus 60 2004
 
CITIBANK, N.A. (22)
* 5,642,419 Method for acquiring and revalidating an electronic credential 285 1995
* 5,878,139 Method for electronic merchandise dispute resolution 198 1996
* 5,703,949 Method for establishing secure communications among processing devices 122 1996
* 5,774,553 Foreign exchange transaction system 178 1996
6,175,921 Tamper-proof devices for unique identification 63 1997
6,047,067 Electronic-monetary system 279 1997
6,122,625 Apparatus and method for secure transacting 290 1998
6,047,887 System and method for connecting money modules 57 1998
* 6,081,790 System and method for secure presentment and payment over open networks 291 1998
* 5,978,485 Foreign exchange transaction system 66 1998
7,028,187 Electronic transaction apparatus for electronic commerce 43 1998
* 6,088,797 Tamper-proof electronic processing device 71 1998
7,010,512 Transfer instrument 85 1998
6,336,095 Method for electronic merchandise dispute resolution 114 1998
7,254,557 Financial services payment vehicle and method 42 1999
7,478,239 Electronic ticket vending system 4 1999
6,947,908 System and use for correspondent banking 33 1999
* 6,868,408 Security systems and methods applicable to an electronic monetary system 46 2000
7,739,168 Transfer instrument 5 2006
8,060,426 Transfer instrument 1 2010
8,392,306 Transfer instrument 0 2011
8,489,483 Transfer instrument 1 2013
 
Integrated Technological Systems, Inc. (2)
8,321,347 Integrated technology money transfer system 2012
8,620,809 Integrated technology money transfer system 0 2012
 
GOLDMONEY NETWORK LIMITED (3)
* 6,415,271 Electronic cash eliminating payment risk 103 1999
7,143,062 Electronic cash eliminating payment risk 7 1999
7,206,763 Method and system for commodity-based currency for payment of accounts 14 2003
 
TRANSACTION HOLDINGS LTD, L.L.C. (21)
6,945,457 Automated transaction machine 77 1997
8,600,887 Automated transaction machine 1 2007
8,600,888 Automated transaction machine 0 2007
8,600,889 Automated transaction machine 0 2007
8,583,522 Automated transaction machine 0 2007
8,571,952 Automated transaction machine 0 2007
8,560,451 Automated transaction machine 0 2007
8,554,677 Automated transaction machine 0 2007
8,132,714 Automated transaction machine 1 2007
8,132,715 Automated transaction machine 2 2007
7,837,101 Automated transaction machine 4 2007
7,802,718 Automated transaction machine 4 2007
7,793,830 Automated transaction machine 4 2007
7,699,220 Automated transaction machine 5 2007
7,621,444 Automated transaction machine 6 2007
7,617,973 Automated transaction machine 4 2007
7,600,677 Automated transaction machine 4 2007
7,597,248 Automated transaction machine 4 2007
7,591,420 Automated transaction machine 5 2007
7,575,158 Automated transaction machine 5 2007
7,571,850 Automated transaction machine 8 2007
 
BANKERS TRUST COMPANY (1)
* 6,134,326 Simultaneous electronic transactions 38 1997
 
INTARSIA LLC (4)
7,302,415 Data copyright management system 11 2000
RE41657 Data management system 7 2002
8,024,810 Method and apparatus for protecting digital data by double re-encryption 3 2006
7,730,323 Controlling database copyrights 9 2006
 
RIVERWOOD INTERNATIONAL CORPORATION (1)
7,143,284 ABDS method and verification status for authenticating entity access 13 2003
 
THE WESTERN UNION COMPANY (7)
8,412,627 Online funds transfer method 1 2001
8,041,606 Online purchasing method 1 2001
* 7,184,980 Online incremental payment method 37 2001
* 2002/0152,160 Online funds transfer method 60 2001
* 8,032,452 Multiple-entity transaction systems and methods 2 2002
8,538,870 Electronic purchasing and funds transfer systems and methods 1 2008
8,799,154 Multiple-entity transaction systems and methods 0 2011
 
PITNEY BOWES INC. (2)
* 5,742,932 Method and system of accounting for transaction costs and currency exchange in a hybrid mail system 16 1996
8,036,978 Method of upgrading third party functionality in an electronic fraud management system 2 1999
 
HITACHI, LTD. (3)
* 6,042,002 Holding apparatus for a plurality of IC cards facilitating transactions of electronic money among the IC cards 3 1996
* 5,952,639 Depositing, withdrawal, balance check, exchange and transfer of electronic money in automatic cash handling machine 169 1996
* 6,032,857 Electronic money system 57 1997
 
DOCUSIGN, INC. (2)
* 5,629,982 Simultaneous electronic transactions with visible trusted parties 236 1996
* 6,137,884 Simultaneous electronic transactions with visible trusted parties 53 1997
 
AT&T INTELLECTUAL PROPERTY I, L.P. (2)
7,917,436 Internet billing method 0 2007
8,086,532 Internet billing method 0 2011
 
GOOGLE TECHNOLOGY HOLDINGS LLC (6)
6,378,073 Single account portable wireless financial messaging unit 83 1997
6,314,519 Secure messaging system overlay for a selective call signaling system 97 1997
6,311,167 Portable 2-way wireless financial messaging unit 64 1997
* 6,105,006 Transaction authentication for 1-way wireless financial messaging units 107 1997
* 6,041,314 Multiple account portable wireless financial messaging unit 82 1997
* 6,038,549 Portable 1-way wireless financial messaging unit 47 1997
 
SK PLANET CO., LTD. (1)
* 2011/0276,482 SYSTEM AND METHOD FOR IDENTIFYING MULTIPLE TYPES OF ELECTRONIC MONEY, AND APPARATUS APPLIED THERETO 0 2010
 
Diebold, Incorporated (5)
7,451,116 Automated transaction machine digital signature system and method 4 2002
7,216,083 Automated transaction machine digital signature system and method 10 2002
* 7,779,160 Financial transaction processing system and method 9 2005
8,261,975 Automated banking machine that operates responsive to data bearing records 0 2008
8,479,984 Automated banking machine that operates responsive to data bearing records 0 2012
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (1)
* 7,392,938 Cash withdrawal from ATM via videophone 9 2007
 
CITICORP DEVELOPMENT CENTER, INC. (2)
* 6,970,836 System and method for securely storing electronic data 19 1999
* 6,978,250 System and method for automated electronic scrip transactions 8 1999
 
CUMMINS-ALLISON CORP. (55)
7,349,566 Image processing network 121 2003
8,125,624 Automated document processing system and method 49 2005
7,778,456 Automatic currency processing system having ticket redemption module 82 2006
7,929,749 System and method for saving statistical data of currency bills in a currency processing device 47 2006
7,946,406 Coin processing device having a moveable coin receptacle station 14 2006
8,352,322 Automated document processing system using full image scanning 19 2007
8,346,610 Automated document processing system using full image scanning 19 2007
7,949,582 Machine and method for redeeming currency to dispense a value card 45 2007
RE44252 Coin redemption system 3 2007
8,204,293 Document imaging and processing system 56 2008
8,380,573 Document processing system 19 2008
8,701,857 System and method for processing currency bills and tickets 1 2008
8,950,566 Apparatus, system and method for coin exchange 0 2008
7,980,378 Systems, apparatus, and methods for currency processing control and redemption 23 2009
* 8,103,084 Document processing system using full image scanning 39 2009
8,041,098 Document processing system using full image scanning 40 2009
8,514,379 Automated document processing system and method 8 2009
8,538,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 7 2010
8,478,019 Apparatus and system for imaging currency bills and financial documents and method for using the same 7 2010
8,478,020 Apparatus and system for imaging currency bills and financial documents and method for using the same 8 2010
8,467,591 Apparatus and system for imaging currency bills and financial documents and method for using the same 12 2010
8,437,528 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2010
8,437,529 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2010
8,437,530 Apparatus and system for imaging currency bills and financial documents and method for using the same 16 2010
8,437,532 Apparatus and system for imaging currency bills and financial documents and method for using the same 18 2010
8,433,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 16 2010
8,428,332 Apparatus and system for imaging currency bills and financial documents and method for using the same 16 2010
8,417,017 Apparatus and system for imaging currency bills and financial documents and method for using the same 22 2010
8,162,125 Apparatus and system for imaging currency bills and financial documents and method for using the same 57 2010
8,391,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 20 2010
8,627,939 Apparatus and system for imaging currency bills and financial documents and method for using the same 3 2010
8,126,793 Automated payment system and method 37 2010
8,929,640 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2011
8,169,602 Automated document processing system and method 36 2011
8,396,278 Document processing system using full image scanning 21 2011
8,442,296 Check and U.S. bank note processing device and method 15 2011
8,437,531 Check and U.S. bank note processing device and method 16 2011
8,433,126 Check and U.S. bank note processing device and method 16 2011
8,339,589 Check and U.S. bank note processing device and method 21 2011
8,625,875 Document imaging and processing system for performing blind balancing and display conditions 4 2012
8,714,336 Apparatus and system for imaging currency bills and financial documents and method for using the same 4 2012
8,459,436 System and method for processing currency bills and tickets 11 2012
8,644,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 3 2013
8,655,045 System and method for processing a deposit transaction 5 2013
8,644,584 Apparatus and system for imaging currency bills and financial documents and method for using the same 3 2013
8,644,585 Apparatus and system for imaging currency bills and financial documents and method for using the same 3 2013
8,639,015 Apparatus and system for imaging currency bills and financial documents and method for using the same 3 2013
8,594,414 Apparatus and system for imaging currency bills and financial documents and method for using the same 4 2013
8,559,695 Apparatus and system for imaging currency bills and financial documents and method for using the same 5 2013
8,655,046 Apparatus and system for imaging currency bills and financial documents and method for using the same 3 2013
8,542,904 Apparatus and system for imaging currency bills and financial documents and method for using the same 7 2013
8,958,626 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,944,234 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,787,652 Apparatus and system for imaging currency bills and financial documents and method for using the same 3 2013
8,948,490 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2014
 
CITICORP CREDIT SERVICES, INC. (USA) (7)
* 5,933,816 System and method for delivering financial services 455 1997
* 6,012,049 System for performing financial transactions using a smartcard 181 1998
7,249,344 Delivery of financial services to remote devices 17 1999
6,289,324 System for performing financial transactions using a smart card 159 2000
7,502,752 System and method for delivering financial services 10 2000
8,543,982 Delivering financial services to remote devices 2 2007
8,204,830 Global method and system for providing enhanced transactional functionality through a customer terminal 0 2011
 
CANON KABUSHIKI KAISHA (3)
* 7,441,015 Method of undoing an operation remotely executed on a server station 1 2002
* 2002/0138,595 Method of undoing an operation remotely executed on a server station 3 2002
* 8,478,991 Management apparatus for managing wireless parameter, control method for the management apparatus, and computer program for instructing computer to execute the control method 0 2007
 
Sprint Communications Company L.P. (13)
8,249,935 Method and system for blocking confidential information at a point-of-sale reader from eavesdropping 5 2007
8,126,806 Method for launching an electronic wallet 32 2007
8,055,184 System and method for active jamming of confidential information transmitted at a point-of-sale reader 21 2008
8,083,140 System and method of over-the-air provisioning 4 2008
8,655,310 Control of secure elements through point-of-sale device 2 2008
8,706,588 System and method of provisioning confidential information via a mobile device 2 2008
8,200,582 Mobile device password system 11 2009
8,060,449 Partially delegated over-the-air provisioning of a secure element 26 2009
* 8,768,845 Electronic wallet removal from mobile electronic devices 0 2009
8,244,169 System and method for active jamming of confidential information transmitted at a point-of-sale reader 8 2011
8,250,662 Partially delegated over-the-air provisioning of a secure element 5 2011
8,468,095 Method for launching an electronic wallet 3 2012
8,719,102 Method and system for blocking confidential information at a point-of-sale reader from eavesdropping 0 2012
 
LUCENT TECHNOLOGIES INC. (1)
* 6,157,920 Executable digital cash for electronic commerce 159 1998
 
SMART VOUCHER LIMITED (2)
* 2003/0158,782 Electronic processing system 25 2003
7,680,712 Electronic processing system 1 2005
 
CHECKFREE SERVICES CORPORATION (1)
7,792,749 Dynamic biller list generation 10 2000
 
CHECKFREE CORPORATION (8)
6,678,664 Cashless transactions without credit cards, debit cards or checks 120 1999
7,526,448 Matching consumers with billers having bills available for electronic presentment 7 2002
7,395,243 Technique for presenting matched billers to a consumer 21 2002
8,073,773 Technique for identifying probable billers of a consumer 2 2003
7,657,484 Electronic bill presentment via a wide area communications network 6 2003
7,729,996 Reuse of an EBP account through alternate authentication 3 2004
7,778,901 Integrated electronic presentment and payment of bills by different entities 7 2005
8,612,342 Notification of the availability of electronic bills 0 2005
 
J.P. MORGAN CHASE & CO. (2)
8,612,341 Computerized funding of a second financial account by a first financial card 0 2004
8,700,529 Mutual fund card method and system 0 2006
 
FUJITSU LIMITED (8)
* 6,003,762 Transaction terminal for an electronic cashless system 257 1994
* 5,644,118 Electronic cashless system 63 1996
* 6,003,767 Cashless medium for an electronic cashless system 15 1996
* 6,474,545 Digital cash safe 2 1999
6,257,487 Electronic cashless system 28 1999
6,926,200 Electronic cashless system 11 2000
6,378,775 Electronic cashless system 20 2001
6,915,951 Electronic cashless system 7 2002
 
ALICE CORPORATION PTY LTD (5)
8,050,996 Systems relating to the establishment of a contractual obligation 0 2002
7,149,720 Systems for exchanging an obligation 32 2002
7,725,375 Systems and computer program products for exchanging an obligation 4 2005
7,822,676 Systems and methods relating to the formulation of a multi-party contract 5 2006
8,401,954 Systems relating to the formulation of risk management contracts 1 2010
 
FIRST DATA CORPORATION (31)
6,820,202 Account authority digital signature (AADS) system 88 1998
8,620,814 Three party account authority digital signature (AADS) system 0 2001
7,558,965 Entity authentication in electronic communications by providing verification status of device 34 2001
7,552,333 Trusted authentication digital signature (tads) system 21 2001
7,500,272 Manufacturing unique devices that generate digital signatures 13 2001
7,200,749 Method and system for using electronic communications for an electronic contract 23 2001
7,047,416 Account-based digital signature (ABDS) system 20 2001
6,983,368 Linking public key of device to information during manufacture 10 2001
6,978,369 Person-centric account-based digital signature system 94 2001
6,981,154 Account authority digital signature (AADS) accounts 11 2001
6,820,199 Sending electronic transaction message, digital signature derived therefrom, and sender identity information in AADS system 24 2002
7,127,606 Account-based digital signature (ABDS) system 30 2002
7,010,691 ABDS system utilizing security information in authenticating entity access 21 2003
6,950,940 ABDS method utilizing security information in authenticating entity access 37 2003
6,938,156 ABDS system and verification status for authenticating entity access 76 2003
6,851,054 Account-Based digital signature (ABDS) system for authenticating entity access to controlled resource 54 2003
7,096,354 Central key authority database in an ABDS system 55 2003
7,082,533 Gauging risk in electronic communications regarding accounts in ABDS system 9 2003
7,047,414 Managing database for reliably identifying information of device generating digital signatures 36 2003
7,028,185 Managing database for identifying to recipients security features of devices generating digital signatures 23 2003
6,959,381 Central key authority (CKA) database for user accounts in ABDS system 24 2003
6,957,336 Establishing initial PuK-linked account database 12 2003
6,952,773 Requesting execution of instructions on accounts in ABDS system 10 2003
6,915,430 Reliably identifying information of device generating digital signatures 15 2003
6,892,302 Incorporating security certificate during manufacture of device generating digital signatures 15 2003
6,789,189 Managing account database in ABDS system 36 2003
7,257,228 Account authority digital signature (AADS) system using encoded information 9 2004
7,549,050 Sending electronic transaction message for entity information account, digital signature derived therefrom, and sender identity information in AADS system 1 2004
7,519,821 Account authority digital signature (AADS) system 1 2004
8,315,929 Online incremental payment method 4 2007
7,784,106 Manufacturing unique devices that generate digital signatures 1 2009
 
GRAPHON CORPORATION (1)
8,510,226 Method for synchronous encryption between a client and a licensing agent 3 2007
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
* 7,222,108 Electronic cash implementing method and equipment using user signature and recording medium recorded thereon a program for the method 6 2002
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (2)
6,173,272 Electronic funds transfer method and system and bill presentment method and system 260 1998
6,317,745 Trusted third party data structure for electronic funds transfer and bill presentment 138 2000
 
SONY COMPUTER ENTERTAINMENT AMERICA LLC (1)
8,388,440 Network account linking 0 2003
 
NEXTCARD, LLC (1)
* 8,010,422 On-line balance transfers 15 2001
 
SEITRAN INCORPORATED, INC. (1)
6,859,795 Method for carrying out transactions and device for realizing the same 3 1999
 
NETDEPOSIT, LLC (1)
8,660,956 Method and system for processing financial instrument deposits physically remote from a financial institution 0 2011
 
Zynga Inc. (2)
* 8,315,944 Apparatuses, methods and systems for a trackable virtual currencies platform 1 2011
* 2012/0016,796 Apparatuses, Methods and Systems for a Trackable Virtual Currencies Platform 2 2011
 
Visa U.S.A. Inc. (2)
* 7,827,108 System and method of validating a relationship between a user and a user account at a financial institution 1 2008
8,639,846 Adaptive gateway for switching transactions and data on unreliable networks using context-based rules 0 2010
 
XATRA FUND MX, LLC (6)
7,668,750 Securing RF transactions using a transactions counter 2 2004
7,705,732 Authenticating an RF transaction using a transaction counter 12 2004
7,578,448 Authorizing radio frequency transactions using a keystroke scan 1 2007
7,690,577 Registering a biometric for radio frequency transactions 5 2007
7,886,157 Hand geometry recognition biometrics on a fob 0 2008
RE45416 Processing an RF transaction using a routing number 0 2012
 
PHOENIX LICENSING, LLC (15)
6,999,938 Automated reply generation direct marketing system 89 1999
7,711,599 Apparatus for preparing client communications involving financial products and services 13 2000
7,774,230 System, method, and computer program product for selecting and presenting financial products and services 3 2003
8,234,184 Automated reply generation direct marketing system 2 2005
7,890,366 Personalized communication documents, system and method for preparing same 0 2006
7,856,375 Customized communication document creation system and method 4 2006
7,991,649 Method for automatically preparing a plurality of client communications offering one or more financial products or services 3 2007
7,860,744 System and method for automatically providing personalized notices concerning financial products and/or services 4 2007
8,073,735 System and method for automating financial document compliance 0 2007
8,019,644 System and method for automated processing of new products and services 1 2007
7,778,867 System and method for automated execution, reporting, and sales analysis 4 2007
8,606,632 System, method, and computer program product for selecting and presenting financial products and services 0 2010
8,458,052 System and method for automated generation of communications involving products or services 0 2011
8,175,934 System and method for automated generation of communications involving products or services 0 2011
8,719,114 System and method for automated generation of communications involving products or services 0 2012
 
PAYPAL INTERNATIONAL LIMITED (5)
* 5,870,473 Electronic transfer system and method 186 1995
* 5,897,621 System and method for multi-currency transactions 222 1996
6,205,433 System and method for multi-currency transactions 196 1998
* RE41619 System and method for multicurrency transactions 5 2003
RE44502 System and method for multi-currency transactions 4 2010
 
SEAGATE TECHNOLOGY, INC. (1)
* 5,949,043 Electronic cashless system 55 1997
 
PAYPAL, INC. (3)
7,742,985 Multicurrency exchanges between participants of a network-based transaction facility 58 2003
8,055,582 Multi currency exchanges between participants of a network-based transaction facility 7 2010
8,249,990 Multi currency exchanges between participants of a networked-based transaction facility 3 2011
 
INVENTOR HOLDINGS, LLC (1)
8,355,991 Method and apparatus for executing cryptographically-enabled letters of credit 0 2011
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (79)
7,370,004 Personalized interactive network architecture 59 2000
7,433,829 System and method for managing global risk 10 2001
7,512,566 System and method for using a stored value account having subaccount feature 10 2001
7,809,641 System and method for funding a collective account 11 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 13 2002
7,165,049 Sponsor funded stored value card 103 2002
7,801,816 System and method for currency selectable stored value instrument 2 2003
8,239,304 Method and system for providing pre-approved targeted products 1 2003
8,751,391 System and process for performing purchase transactions using tokens 0 2003
7,676,425 Method and system for providing flexible financing 24 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7,953,663 System and method for financial instrument pre-qualification and offering 7 2003
7,809,595 System and method for managing risks associated with outside service providers 8 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 50 2003
7,707,111 Customer activated multi-value (CAM) card 33 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 41 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 22 2004
7,174,314 Debit purchasing of stored value card for use by and/or delivery to others 23 2004
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 64 2004
7,174,316 Debit purchasing of stored value card for use by and/or delivery to others 24 2004
7,174,317 Debit purchasing of stored value card for use by and/or delivery to others 42 2004
7,171,388 Debit purchasing of stored value card for use by and/or delivery to others 22 2004
7,191,952 Selectable multi-purpose card 100 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 35 2005
7,660,763 Customer activated multi-value (CAM) card 20 2005
7,263,507 Customer activated multi-value (CAM) card 51 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 86 2005
7,801,799 Customer activated multi-value (CAM) card 5 2005
8,719,085 System and method for administering a brokerage rebate card program 0 2006
7,941,355 Universal payment protection 5 2006
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 5 2006
7,591,416 Selectable multi-purpose card 47 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 28 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 28 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 4 2006
7,260,549 Method and system for managing risk 31 2006
8,781,905 System and method for transponder-enabled account transactions 0 2006
7,505,918 Method and system for managing risks 4 2006
7,360,693 System and method for a card benefit program providing benefits to program members based on program performance 39 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 40 2006
7,357,331 Selectable multi-purpose card 55 2006
7,603,283 Method and system for managing risk 5 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 5 2007
8,800,857 System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag 0 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 1 2007
7,809,643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7,949,574 Personalized interactive network architecture 5 2007
8,676,642 System and method for granting promotional rewards to financial account holders 1 2008
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 29 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 19 2008
8,245,909 Method and system for implementing a card product with multiple customized relationships 2 2008
D602522 Transaction device 54 2008
8,725,611 System and method for providing borrowing schemes 0 2009
8,554,652 System and method for providing borrowing schemes 0 2009
8,078,528 System and method for providing borrowing schemes 18 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 9 2009
8,190,522 System and method for providing borrowing schemes 2 2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers 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 2 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 2 2011
8,326,694 Personalized interactive network architecture 3 2011
8,538,876 System and method for providing borrowing schemes 0 2012
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
8,706,625 System and method for providing borrowing schemes 0 2013
8,533,086 Variable rate payment card 0 2013
8,752,759 Method and system for implementing a card product with multiple customized relationships 1 2013
9,058,626 System and method for financial services device usage 0 2013
8,925,802 Method and system for implementing a card product with multiple customized relationships 0 2014
 
SWYCHCO INFRASTRUCTURE SERVICES PTY LTD. (1)
6,912,510 Methods of exchanging an obligation 66 2000
 
MICROSOFT TECHNOLOGY LICENSING, LLC (2)
* 5,878,138 System and method for detecting fraudulent expenditure of electronic assets 113 1996
* 5,872,844 System and method for detecting fraudulent expenditure of transferable electronic assets 70 1996
 
AccuBalance Corporation (2)
* 7,044,365 Method for reconciling a financial account from a portable account register 19 2003
* RE44059 Method for reconciling a financial account from a portable account register 0 2006
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (3)
* 6,477,513 Method and apparatus for executing cryptographically-enabled letters of credit 53 1997
6,904,418 Method and apparatus for executing cryptographically-enabled letters of credit 6 2002
7,991,698 Method and apparatus for executing cryptographically-enabled letters of credit 0 2005
 
S.F. IP PROPERTIES 59 LLC (2)
7,209,889 Secure system for the issuance, acquisition, and redemption of certificates in a transaction network 39 1999
7,899,755 Secure system for the issuance, acquisition, and redemption of certificates in a transaction network 1 2007
 
METAVANTE CORPORATION (3)
7,386,516 System and method for providing secure services over public and private networks using a removable portable computer-readable storage 5 1999
7,669,233 Methods and systems for secure transmission of identification information over public networks 2 2005
7,222,365 Non-algorithmic vectored steganography 0 2005
 
CertCo (2)
6,353,812 Computer-based method and system for aiding transactions 23 1998
8,121,949 Computer-based method and system for aiding transactions 0 2008
 
DOSA ADVANCES LLC (1)
* 6,213,390 Transaction method of electronic money system 82 1996
 
Intuit Inc. (2)
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 57 2000
7,720,760 Consumer-directed financial transfers using automated clearinghouse networks 7 2008
 
ERICSSON INC. (1)
* 6,581,035 System and method for voice-enabled transactions 6 2000
 
Sintef Delab (1)
* 5,905,976 System of secured payment by the transfer of electronic money through an interbank network 42 1996
 
KILPAUK GARDEN, SERIES 64 OF ALLIED SECURITY TRUST I (3)
7,970,722 System, method and computer program product for a collaborative decision platform 2 2009
8,160,988 System, method and computer program product for a collaborative decision platform 0 2010
8,005,777 System, method and computer program product for a collaborative decision platform 15 2010
 
LA REGIE AUTONOME DES TRANSPORTS PARISIENS (1)
* 7,370,203 Method for indivisibly modifying a plurality of sites in a microcircuit card non volatile memory, in particular a contactless card 0 1999
 
INTARSIA SOFTWARE LLC (16)
7,447,914 Method for controlling database copyrights 5 1997
* 6,449,717 Data copyright management system 22 2000
7,730,324 Method for controlling database copyrights 4 2001
6,741,991 Data management system 42 2001
7,827,109 Digital content management system and apparatus 6 2001
8,407,782 Data copyright management 0 2002
8,352,373 Data copyright management system 0 2003
7,383,447 Method for controlling database copyrights 4 2005
8,595,502 Data management system 0 2006
RE42163 Data management system 2 2006
7,801,817 Digital content management system and apparatus 4 2006
7,986,785 Data management 0 2006
7,979,354 Controlling database copyrights 1 2006
RE43599 Data management system 0 2007
8,448,254 Digital content management system and apparatus 0 2010
8,554,684 Controlling database copyrights 0 2011
 
Zowi.com, Inc (1)
6,173,269 Method and apparatus for executing electronic commercial transactions with minors 253 1999
 
AMERICAN EPS, INC. (2)
6,764,013 Multi-purpose terminal, payroll and work management system and related methods 24 2002
7,229,013 Biometric multi-purpose terminal, payroll and work management system and related methods 17 2004
 
UNISYS CORPORATION (1)
* 5,884,290 Method of transferring funds employing a three-node real-time electronic interlock 98 1996
* Cited By Examiner