Electronic-monetary system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO

5453601

SERIAL NO

07794112

1 Status Updates

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

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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, NY171

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Rosen, Sholom S New York, NY 28 6449

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
 
Other [Check patent profile for assignment information] (39)
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NOKIA TECHNOLOGIES OY (2)
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6910022 Usage rights grammar and digital works having usage rights created with the grammar 9 2003
* 2005/0097,593 System, method and device for selected content distribution 16 2003
7840488 System and method for granting access to an item or permission to use an item based on configurable conditions 2 2003
* 2004/0230,529 System and method for granting access to an item or permission to use an item based on configurable conditions 12 2003
7269576 Content rendering apparatus 1 2004
* 2004/0162,784 Method and apparatus for dynamically assigning usage rights to digital works 2 2004
7805371 Rights expression profile system and method 6 2004
* 2004/0236,717 Rights expression profile system and method 55 2004
7269577 System for controlling the distribution and use of digital works using digital tickets 11 2004
8001053 System and method for rights offering and granting using shared state variables 1 2004
7774280 System and method for managing transfer of rights using shared state variables 3 2004
* 2006/0107,326 Method, system, and device for verifying authorized issuance of a rights expression 3 2004
8660961 Method, system, and device for license-centric content consumption 1 2004
* 2006/0106,726 Method, system, and device for license-centric content consumption 23 2004
* 2006/0107,046 Method, system, and device for license-centric content consumption 56 2004
* 2006/0112,015 Method, system, and device for handling creation of derivative works and for adapting rights to derivative works 14 2004
7200574 System for controlling the distribution and use digital works using digital tickets 8 2004
7725401 Method and apparatus for establishing usage rights for digital content to be created in the future 5 2005
7209902 Repository with security class and method for use thereof 6 2005
7260556 Content rendering device with usage rights 6 2005
7162633 Method and apparatus for hierarchical assignment of rights to documents and documents having such rights 11 2005
* 2006/0248,573 System and method for developing and using trusted policy based on a social model 208 2005
7266529 Method and apparatus for executing code in accordance with usage rights 1 2005
7184571 Multi-stage watermarking process and system 11 2005
7765403 System for controlling the distribution and use of rendered digital works through watermarking 4 2005
* 2006/0129,492 Usage rights grammar and digital works having usage rights created with the grammar 0 2005
7809644 Digital work structure 4 2005
* 2006/0129,493 Usage rights grammar and digital works having usage rights created with the grammar 1 2005
7389270 System for controlling the distribution and use of digital works 13 2005
7139736 Content rendering repository 4 2005
* 2005/0273,433 Content rendering repository 1 2005
7117180 System for controlling the use of digital works using removable content repositories 2 2005
7609848 Multi-stage watermarking process and system 4 2005
7664708 System for controlling the distribution and use of digital works using digital tickets 4 2005
7720767 Method and system to support dynamic rights and resources sharing 23 2005
* 2007/0094,145 Method and system to support dynamic rights and resources sharing 27 2005
7523072 System for controlling the distribution and use of digital works 34 2005
8244579 Method and apparatus for distributing enforceable property rights 1 2006
7788182 Method for loaning digital works 1 2006
* 2007/0078,777 System and method for digital rights management using advanced copy with issue rights, and managed copy tokens 34 2006
8869293 Method and apparatus for hierarchical assignment of rights to documents and documents having such rights 0 2006
8271350 Method and system for automatically publishing content 2 2007
8275709 Digital rights management of content when content is a future live event 9 2008
* 2008/0320,599 RIGHTS EXPRESSION PROFILE SYSTEM AND METHOD USING TEMPLATES 10 2008
* 2009/0241,199 SYSTEMS AND METHODS FOR CREATING, MANIPULATING AND PROCESSING RIGHTS AND CONTRACT EXPRESSIONS USING TOKENIZED TEMPLATES 1 2009
8205089 System for controlling the distribution and use of rendered digital works through watermarking 2 2009
7907749 Multi-stage watermarking process and system 0 2009
* 2010/0002,907 MULTI-STAGE WATERMARKING PROCESS AND SYSTEM 1 2009
8170955 System and method for enforcing usage rights associated with digital content 0 2009
* 2010/0186,085 Method and System to Support Dynamic Rights and Resources Sharing 2 2010
8412644 Method and apparatus for establishing usage rights for digital content to be created in the future 0 2010
8078542 System and method for managing transfer of rights using shared state variables 1 2010
* 2011/0035,810 SYSTEM AND METHOD FOR GRANTING ACCES TO AN ITEM OR PERMISSION TO USE AN ITEM BASED ON CONFIGURABLE CONDITIONS 0 2010
8489900 Method and apparatus for providing a specific user interface in a system for managing content 0 2011
* 2011/0209,223 EXTENSIBLE RIGHTS EXPRESSION PROCESSING SYSTEM 0 2011
8768850 Method, system, and device for license-centric content consumption 0 2011
8862517 Digital rights management of content when content is a future live event 0 2011
8892473 Method and system for subscription digital rights management 0 2012
8468098 Method and system for subscription digital rights management 0 2012
8442916 Digital rights management of content when content is a future live event 1 2012
 
GM NETWORK LIMITED (3)
* 5983207 Electronic cash eliminating payment risk 112 1997
* 6415271 Electronic cash eliminating payment risk 113 1999
7143062 Electronic cash eliminating payment risk 7 1999
 
ContentGuardiHoldings, Inc. (1)
7028009 Method and apparatus for distributing enforceable property rights 36 2002
 
IDENTRUS, INC. (1)
7734924 System and method for transparently providing certificate validation and other services within an electronic transaction 0 2006
 
TRADING TECHNOLOGIES INTERNATIONAL, INC. (1)
* 2014/0379,546 MULTI-BROKER ORDER ROUTING BASED ON NET POSITION 0 2014
 
BANK OF AMERICA, N.A. (1)
7982604 Tamper-indicating monetary package 3 2008
 
XYLON LLC (43)
* 6213390 Transaction method of electronic money system 87 1996
* 6449717 Data copyright management system 28 2000
8296215 Trading system with elfs and umpires 0 2000
8799138 Routing control for orders eligible for multiple markets 0 2001
8775294 Automated linked order processing 0 2001
8249975 Automated first look at market events 3 2001
7908198 Automated preferences for market participants 5 2001
7890410 Automated trial order processing 2 2001
7882007 Platform for market programs and trading programs 5 2001
7813991 Automated trading negotiation protocols 0 2001
7792733 Automated synchronization of orders represented in multiple markets 3 2001
7774246 Automated price setting for paired orders 2 2001
7644027 Market program for interacting with trading programs on a platform 7 2001
7539638 Representation of order in multiple markets 11 2001
7496533 Decision table for order handling 30 2001
7472087 Trading program for interacting with market programs on a platform 28 2001
7398244 Automated order book with crowd price improvement 58 2001
* 7383220 Automated short term option order processing 45 2001
* 2002/0091,617 Trading program for interacting with market programs on a platform 39 2001
* 2001/0051,909 Market program for interacting with trading programs on a platform 49 2001
* 2001/0044,770 Platform for market programs and trading programs 48 2001
* 2001/0042,040 Routing control for orders eligible for multiple markets 98 2001
7730324 Method for controlling database copyrights 4 2001
6741991 Data management system 45 2001
7827109 Digital content management system and apparatus 7 2001
8407782 Data copyright management 0 2002
8352373 Data copyright management system 0 2003
8595502 Data management system 1 2006
7801817 Digital content management system and apparatus 5 2006
9245260 Data copyright management 0 2006
7986785 Data management 1 2006
8380609 Trading system with ELFs and umpires 0 2006
7890415 Representation of order in multiple markets 2 2006
7835975 Automated synchronization of orders represented in multiple markets 1 2006
7783561 Automated synchronization of orders represented in multiple markets 0 2006
7769672 Routing control for orders eligible for multiple markets 0 2006
7574398 Platform for market programs and trading programs 0 2006
* 2007/0255,642 TRADING SYSTEM WITH ELFS AND UMPIRES 16 2006
* 2007/0208,648 TRADING SYSTEM WITH ELFS AND UMPIRES 0 2006
* 2007/0005,487 ROUTING CONTROL FOR ORDERS ELIGIBLE FOR MULTIPLE MARKETS 5 2006
* 2007/0005,488 ROUTING CONTROL FOR ORDERS ELIGIBLE FOR MULTIPLE MARKETS 7 2006
RE43599 Data management system 0 2007
8448254 Digital content management system and apparatus 1 2010
 
BANK OF AMERICA CORPORATION (19)
9024722 Remote identification equipped self-service monetary item handling device 0 2008
8577802 On-demand cash transport 3 2008
8571948 Extension of credit for monetary items still in transport 0 2008
8556167 Prediction of future cash supply chain status 1 2008
8550338 Cash supply chain notifications 1 2008
8341077 Prediction of future funds positions 1 2008
8210429 On demand transportation for cash handling device 2 2008
8094021 Monetary package security during transport through cash supply chain 5 2008
8078534 Cash supply chain surveillance 4 2008
* 7982610 Content-based prioritizing of deposits 1 2008
* 7965184 Cash handling facility management 7 2008
* 2009/0309,694 REMOTE IDENTIFICATION EQUIPPED SELF-SERVICE MONETARY ITEM HANDLING DEVICE 2 2008
* 2009/0309,729 MONETARY PACKAGE SECURITY DURING TRANSPORT THROUGH CASH SUPPLY CHAIN 0 2008
* 8301565 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 6 2010
8164451 Cash handling facility management 4 2011
* 2011/0210,826 CASH HANDLING FACILITY MANAGEMENT 4 2011
8941709 Video-assisted self-service transaction device 0 2012
8896653 Video-assisted self-service transaction device 0 2012
 
IDENTRUST, INC. (3)
7765161 System and method for providing payment services in electronic commerce 4 2004
8892475 Provision of authorization and other services 0 2006
8793487 Binding a digital certificate to multiple trust domains 0 2009
 
GOOGLE INC. (1)
* 2007/0299,920 Anonymous Email Address Management 3 2006
 
SCITRAN INEORHERATED, INC. (1)
7058808 Method for making a blind RSA-signature and apparatus therefor 10 1999
 
Blinmore Investments Limited (1)
* 2006/0167,798 Currency transfer computerized card 1 2005
 
CERTCO, INC., A CORPORATION OF DELAWARE (7)
* 6029150 Payment and transactions in electronic commerce system 590 1996
* 5903882 Reliance server for electronic transaction system 386 1996
8032743 Reliance server for electronic transaction system 6 2001
* 2002/0062,438 Reliance server for electronic transaction system 65 2001
7343346 Computer-based method and system for aiding transactions 3 2002
* 2002/0059,143 Computer-based method and system for aiding transactions 4 2002
8321348 Computer-based method and system for aiding transactions 2 2012
 
CC SERVE CORPORATION (1)
* 7676395 On-us cash withdrawal at a point-of-sale 0 2005
 
GHR SYSTEMS, INC. (1)
* 6233566 System, method and computer program product for online financial products trading 558 1999
 
III HOLDINGS 1, LLC (20)
8429041 Systems and methods for managing account information lifecycles 4 2003
8543423 Method and apparatus for enrolling with multiple transaction environments 0 2003
* 2004/0158,532 System for facilitating a transaction 49 2004
7925535 System and method for securing RF transactions using a radio frequency identification device including a random number generator 3 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 25 2004
* 2004/0210,449 SYSTEM FOR FACILITATING A TRANSACTION 52 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 15 2004
* 2005/0160,003 SYSTEM AND METHOD FOR INCENTING RFID TRANSACTION DEVICE USAGE AT A MERCHANT LOCATION 44 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 2 2006
* 2007/0083,444 SYSTEM AND METHOD FOR AUTOMATIC RECONCILIATION OF TRANSACTION ACCOUNT SPEND 12 2006
7441697 Limited use pin system and method 8 2007
7448538 Limited use pin system and method 10 2007
7793845 Smartcard transaction system and method 4 2009
8016191 Smartcard transaction system and method 30 2010
* 2011/0161,235 SYSTEM AND METHOD FOR SECURING RF TRANSACTIONS USING A RADIO FREQUENCY IDENTIFICATION DEVICE INCLUDING A RANDOM NUMBER GENERATOR 48 2011
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (3)
7072864 Customer activated multi-value (CAM) card 144 2003
7086586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 18 2004
7051925 System and method for funding a collective account by use of an electronic tag 110 2004
 
Citibank Development Center, Inc. (2)
8112330 System and method for delivering financial services 7 2000
8543506 System and method for delivering financial services 0 2011
 
KONINKLIJKE KPN N.V. (1)
* 5924084 Method for tracing payment data in an anonymous payment system 22 1996
 
AGILENT TECHNOLOGIES, INC. (2)
* 2007/0050,303 Biometric identification device 24 2005
* 2007/0118,317 SYSTEM AND METHOD FOR GENERATING TRIGGERS BASED ON PREDETERMINED TRIGGER WAVEFORM AND A MEASUREMENT SIGNAL 1 2005
 
EBAY INC. (5)
7660740 Method and system for listing items globally and regionally, and customized listing according to currency or shipping area 28 2001
* 2004/0199,421 Method and system to discharge a liability associated with a proprietary currency 19 2003
8266016 Method and system for listing items globally and regionally, and customized listing according to currency or shipping area 8 2010
9092792 Customizing an application 1 2011
8732037 Method and system for providing a record 4 2012
 
OPEN INVENTION NETWORK, LLC (13)
7269737 System and method for biometric authorization for financial transactions 57 2002
7367049 System and method for enrolling in a biometric system 29 2003
7082415 System and method for biometrically-initiated refund transactions 25 2004
8200980 System and method for enrolling in a biometric system 18 2004
7464059 System and method for purchase benefits at a point of sale 21 2004
7765164 System and method for offering in-lane periodical subscriptions 15 2005
7624073 System and method for categorizing transactions 23 2005
7437330 System and method for categorizing transactions 58 2005
7533809 System and method for operating a parking facility 30 2005
7533066 System and method for biometrically-initiated refund transactions 17 2005
9189788 System and method for verifying identity 3 2005
7778933 System and method for categorizing transactions 22 2008
7769695 System and method for purchase benefits at a point of sale 16 2008
 
TOUCH TECHNOLOGIES, INC. (3)
* 5621796 Transferring information between transaction networks 72 1994
* 5596642 Network settlement performed on consolidated information 78 1994
* 5596643 Network settlement performed on consolidated information 55 1996
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (3)
8145567 Transaction ID system and process 2 2005
* 2006/0010,070 Transaction ID system and process 2 2005
8407145 Transaction ID system and process 0 2012
 
SWISSCOM AG (2)
* 8165965 Transaction method with a mobile apparatus 4 2004
* 2004/0199,474 Transaction method with a mobile apparatus 64 2004
 
CITIBANK, N.A. (23)
* 5642419 Method for acquiring and revalidating an electronic credential 303 1995
* 5878139 Method for electronic merchandise dispute resolution 200 1996
* 5703949 Method for establishing secure communications among processing devices 126 1996
* 5774553 Foreign exchange transaction system 185 1996
6175921 Tamper-proof devices for unique identification 70 1997
6047067 Electronic-monetary system 283 1997
6122625 Apparatus and method for secure transacting 300 1998
6047887 System and method for connecting money modules 58 1998
* 6081790 System and method for secure presentment and payment over open networks 302 1998
* 5978485 Foreign exchange transaction system 69 1998
7028187 Electronic transaction apparatus for electronic commerce 47 1998
* 6088797 Tamper-proof electronic processing device 74 1998
7010512 Transfer instrument 96 1998
6336095 Method for electronic merchandise dispute resolution 115 1998
7254557 Financial services payment vehicle and method 44 1999
7478239 Electronic ticket vending system 5 1999
6947908 System and use for correspondent banking 40 1999
* 6868408 Security systems and methods applicable to an electronic monetary system 47 2000
7739168 Transfer instrument 5 2006
8060426 Transfer instrument 1 2010
* 2010/0217,691 Transfer Instrument 4 2010
8392306 Transfer instrument 0 2011
8489483 Transfer instrument 1 2013
 
Integrated Technological Systems, Inc. (2)
8321347 Integrated technology money transfer system 0 2012
8620809 Integrated technology money transfer system 0 2012
 
GOLDMONEY NETWORK LIMITED (3)
7206763 Method and system for commodity-based currency for payment of accounts 16 2003
* 2007/0244,812 ELECTRONIC CASH ELIMINATING PAYMENT RISK 22 2007
* 2010/0299,257 Method And System For Commodity-Based Currency For Payment of Accounts 7 2010
 
ST. LUKE TECHNOLOGIES, LLC (2)
8904181 System and method for secure three-party communications 15 2012
9419951 System and method for secure three-party communications 0 2014
 
TRANSACTION HOLDINGS LTD. LLC (22)
6945457 Automated transaction machine 87 1997
8600887 Automated transaction machine 1 2007
8600888 Automated transaction machine 0 2007
8600889 Automated transaction machine 0 2007
8583522 Automated transaction machine 0 2007
8571952 Automated transaction machine 0 2007
8560451 Automated transaction machine 0 2007
8554677 Automated transaction machine 0 2007
8132714 Automated transaction machine 1 2007
8132715 Automated transaction machine 2 2007
7837101 Automated transaction machine 4 2007
7802718 Automated transaction machine 4 2007
7793830 Automated transaction machine 4 2007
7699220 Automated transaction machine 5 2007
7621444 Automated transaction machine 6 2007
7617973 Automated transaction machine 4 2007
7600677 Automated transaction machine 4 2007
7597248 Automated transaction machine 4 2007
7591420 Automated transaction machine 5 2007
7575158 Automated transaction machine 5 2007
7571850 Automated transaction machine 8 2007
* 2008/0061,130 Automated transaction machine 22 2007
 
BANKERS TRUST CORPORATION (2)
* 5629982 Simultaneous electronic transactions with visible trusted parties 259 1996
* 6137884 Simultaneous electronic transactions with visible trusted parties 59 1997
 
BANKERS TRUST COMPANY (1)
* 6134326 Simultaneous electronic transactions 40 1997
 
INTARSIA LLC (4)
7302415 Data copyright management system 12 2000
RE41657 Data management system 8 2002
8024810 Method and apparatus for protecting digital data by double re-encryption 5 2006
7730323 Controlling database copyrights 10 2006
 
RIVERWOOD INTERNATIONAL CORPORATION (2)
7143284 ABDS method and verification status for authenticating entity access 13 2003
* 2003/0126,437 ABDS Method and Verification Status for Authenticating Entity Access 33 2003
 
The Western Union Company (12)
8412627 Online funds transfer method 1 2001
8041606 Online purchasing method 1 2001
* 7184980 Online incremental payment method 46 2001
* 2003/0093,367 Online incremental payment method 32 2001
* 2002/0152,160 Online funds transfer method 70 2001
* 2002/0087,467 Online purchasing method 107 2001
* 8032452 Multiple-entity transaction systems and methods 2 2002
* 2004/0098,335 Multiple-entity transaction systems and methods 49 2002
* 2003/0126,075 Online funds transfer method 83 2002
8538870 Electronic purchasing and funds transfer systems and methods 2 2008
* 2008/0162,350 ELECTRONIC PURCHASING AND FUNDS TRANSFER SYSTEMS AND METHODS 48 2008
8799154 Multiple-entity transaction systems and methods 0 2011
 
Pitney Bowes Inc. (2)
* 5742932 Method and system of accounting for transaction costs and currency exchange in a hybrid mail system 17 1996
8036978 Method of upgrading third party functionality in an electronic fraud management system 2 1999
 
HITACHI, LTD. (4)
* 6042002 Holding apparatus for a plurality of IC cards facilitating transactions of electronic money among the IC cards 3 1996
* 5952639 Depositing, withdrawal, balance check, exchange and transfer of electronic money in automatic cash handling machine 177 1996
* 6032857 Electronic money system 59 1997
* 2002/0083,015 Settlement device and method 6 2001
 
YOU TECHNOLOGY, INC. (1)
8341421 System and method for enrolling in a biometric system 2 2010
 
RATEZE REMOTE MGMT. L.L.C. (3)
7209889 Secure system for the issuance, acquisition, and redemption of certificates in a transaction network 41 1999
* 2011/0060,904 SECURE SYSTEM FOR THE ISSUANCE, ACQUISITION, AND REDEMPTION OF CERTIFICATES IN A TRANSACTION NETWORK 3 2007
7899755 Secure system for the issuance, acquisition, and redemption of certificates in a transaction network 1 2007
 
AT&T INTELLECTUAL PROPERTY I, L.P. (2)
7917436 Internet billing method 0 2007
8086532 Internet billing method 0 2011
 
GOOGLE TECHNOLOGY HOLDINGS LLC (6)
6378073 Single account portable wireless financial messaging unit 100 1997
6314519 Secure messaging system overlay for a selective call signaling system 107 1997
6311167 Portable 2-way wireless financial messaging unit 75 1997
* 6105006 Transaction authentication for 1-way wireless financial messaging units 122 1997
* 6041314 Multiple account portable wireless financial messaging unit 86 1997
* 6038549 Portable 1-way wireless financial messaging unit 52 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
 
ENT. SERVICES DEVELOPMENT CORPORATION LP (1)
* 6061665 System, method and article of manufacture for dynamic negotiation of a network payment framework 310 1997
 
DIEBOLD, INCORPORATED (9)
7451116 Automated transaction machine digital signature system and method 7 2002
7216083 Automated transaction machine digital signature system and method 13 2002
* 2002/0128,969 Automated transaction machine digital signature system and method 11 2002
* 2002/0129,257 Automated transaction machine digital signature system and method 12 2002
* 7779160 Financial transaction processing system and method 15 2005
* 2007/0276,754 Card activated cash dispensing automated banking machine method 6 2007
8261975 Automated banking machine that operates responsive to data bearing records 0 2008
* 2010/0116,877 Automated banking machine that operates responsive to data bearing records 1 2008
8479984 Automated banking machine that operates responsive to data bearing records 0 2012
 
Meredith, Thomas (1)
* 2008/0195,499 Method Of Providing Cash And Cash Equivalent For Electronic Transctions 14 2005
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (1)
* 7392938 Cash withdrawal from ATM via videophone 10 2007
 
Cummins-Allison Corp. (67)
7349566 Image processing network 143 2003
8125624 Automated document processing system and method 62 2005
7778456 Automatic currency processing system having ticket redemption module 100 2006
7929749 System and method for saving statistical data of currency bills in a currency processing device 59 2006
7946406 Coin processing device having a moveable coin receptacle station 21 2006
8352322 Automated document processing system using full image scanning 31 2007
8346610 Automated document processing system using full image scanning 29 2007
7949582 Machine and method for redeeming currency to dispense a value card 56 2007
* 2007/0237,381 Automated document processing system using full image scanning 85 2007
RE44252 Coin redemption system 9 2007
8204293 Document imaging and processing system 77 2008
8380573 Document processing system 30 2008
8701857 System and method for processing currency bills and tickets 9 2008
8950566 Apparatus, system and method for coin exchange 4 2008
7980378 Systems, apparatus, and methods for currency processing control and redemption 37 2009
* 8103084 Document processing system using full image scanning 50 2009
8041098 Document processing system using full image scanning 52 2009
8514379 Automated document processing system and method 16 2009
8538123 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2010
8478019 Apparatus and system for imaging currency bills and financial documents and method for using the same 16 2010
8478020 Apparatus and system for imaging currency bills and financial documents and method for using the same 18 2010
8467591 Apparatus and system for imaging currency bills and financial documents and method for using the same 21 2010
8437528 Apparatus and system for imaging currency bills and financial documents and method for using the same 27 2010
8437529 Apparatus and system for imaging currency bills and financial documents and method for using the same 25 2010
8437530 Apparatus and system for imaging currency bills and financial documents and method for using the same 29 2010
8437532 Apparatus and system for imaging currency bills and financial documents and method for using the same 28 2010
8433123 Apparatus and system for imaging currency bills and financial documents and method for using the same 31 2010
8428332 Apparatus and system for imaging currency bills and financial documents and method for using the same 29 2010
8417017 Apparatus and system for imaging currency bills and financial documents and method for using the same 35 2010
8162125 Apparatus and system for imaging currency bills and financial documents and method for using the same 77 2010
8391583 Apparatus and system for imaging currency bills and financial documents and method for using the same 32 2010
8627939 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2010
8126793 Automated payment system and method 48 2010
9390574 Document processing system 0 2011
8929640 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2011
8169602 Automated document processing system and method 47 2011
* 2011/0220,717 AN AUTOMATED DOCUMENT PROCESSING SYSTEM AND METHOD 55 2011
8396278 Document processing system using full image scanning 33 2011
8442296 Check and U.S. bank note processing device and method 24 2011
8437531 Check and U.S. bank note processing device and method 26 2011
8433126 Check and U.S. bank note processing device and method 27 2011
8339589 Check and U.S. bank note processing device and method 31 2011
8625875 Document imaging and processing system for performing blind balancing and display conditions 12 2012
8714336 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2012
8459436 System and method for processing currency bills and tickets 21 2012
8644583 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2013
8655045 System and method for processing a deposit transaction 13 2013
9141876 Apparatus and system for processing currency bills and financial documents and method for using the same 5 2013
8644584 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2013
8644585 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2013
8639015 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2013
8594414 Apparatus and system for imaging currency bills and financial documents and method for using the same 12 2013
8559695 Apparatus and system for imaging currency bills and financial documents and method for using the same 13 2013
8655046 Apparatus and system for imaging currency bills and financial documents and method for using the same 13 2013
8542904 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2013
9355295 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8958626 Apparatus and system for imaging currency bills and financial documents and method for using the same 5 2013
8944234 Apparatus and system for imaging currency bills and financial documents and method for using the same 5 2013
8787652 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2013
9142075 Apparatus and system for imaging currency bills and financial documents and method for using the same 1 2013
9477896 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2014
9129271 System and method for processing casino tickets 1 2014
8948490 Apparatus and system for imaging currency bills and financial documents and method for using the same 5 2014
9189780 Apparatus and system for imaging currency bills and financial documents and methods for using the same 1 2014
9195889 System and method for processing banknote and check deposits 1 2015
9495808 System and method for processing casino tickets 0 2015
9558418 Apparatus and system for processing currency bills and financial documents and method for using the same 0 2015
 
CITICORP CREDIT SERVICES, INC. (USA) (11)
* 5933816 System and method for delivering financial services 467 1997
* 6012049 System for performing financial transactions using a smartcard 197 1998
* 6970836 System and method for securely storing electronic data 20 1999
* 6978250 System and method for automated electronic scrip transactions 10 1999
7249344 Delivery of financial services to remote devices 19 1999
6289324 System for performing financial transactions using a smart card 174 2000
7502752 System and method for delivering financial services 11 2000
8543982 Delivering financial services to remote devices 2 2007
* 2007/0250,808 Delivering financial services to remote devices 9 2007
8204830 Global method and system for providing enhanced transactional functionality through a customer terminal 0 2011
9129279 Delivering financial services to remote devices 0 2013
 
Canon Kabushiki Kaisha (5)
* 7441015 Method of undoing an operation remotely executed on a server station 3 2002
* 2002/0138,595 Method of undoing an operation remotely executed on a server station 4 2002
* 2005/0273,610 Information processing apparatus 4 2005
* 8478991 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
* 2008/0155,667 MANAGEMENT APPARATUS FOR MANAGING WIRELESS PARAMETER, CONTROL METHOD FOR THE MANAGEMENT APPARATUS, AND COMPUTER PROGRAM FOR INSTRUCTING COMPUTER TO EXECUTE THE CONTROL METHOD 2 2007
 
Sprint Communications Company L.P. (13)
8249935 Method and system for blocking confidential information at a point-of-sale reader from eavesdropping 6 2007
8126806 Method for launching an electronic wallet 52 2007
8055184 System and method for active jamming of confidential information transmitted at a point-of-sale reader 23 2008
8083140 System and method of over-the-air provisioning 5 2008
8655310 Control of secure elements through point-of-sale device 3 2008
8706588 System and method of provisioning confidential information via a mobile device 6 2008
8200582 Mobile device password system 43 2009
8060449 Partially delegated over-the-air provisioning of a secure element 66 2009
* 8768845 Electronic wallet removal from mobile electronic devices 2 2009
8244169 System and method for active jamming of confidential information transmitted at a point-of-sale reader 9 2011
8250662 Partially delegated over-the-air provisioning of a secure element 7 2011
8468095 Method for launching an electronic wallet 3 2012
8719102 Method and system for blocking confidential information at a point-of-sale reader from eavesdropping 0 2012
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
7970722 System, method and computer program product for a collaborative decision platform 5 2009
8160988 System, method and computer program product for a collaborative decision platform 1 2010
8005777 System, method and computer program product for a collaborative decision platform 17 2010
 
LUCENT TECHNOLOGIES INC. (1)
* 6157920 Executable digital cash for electronic commerce 182 1998
 
SMART VOUCHER LIMITED (1)
* 2003/0158,782 Electronic processing system 27 2003
 
CHECKFREE SERVICES CORPORATION (3)
7792749 Dynamic biller list generation 13 2000
* 2002/0013,768 Dynamic biller list generation 27 2000
* 2002/0087,468 Electronic payment risk processing 152 2000
 
CHECKFREE CORPORATION (22)
6678664 Cashless transactions without credit cards, debit cards or checks 136 1999
7526448 Matching consumers with billers having bills available for electronic presentment 9 2002
7395243 Technique for presenting matched billers to a consumer 23 2002
* 2004/0133,515 Distributed matching of consumers with billers having bills available for electronic presentment 65 2002
* 2004/0133,513 Identity protection technique in matching consumers with electronic billers 25 2002
* 2004/0133,509 Technique for making payments for a non-subscriber payor 28 2002
* 2004/0088,255 Matching consumers with billers having bills available for electronic presentment 20 2002
8073773 Technique for identifying probable billers of a consumer 4 2003
* 2004/0139,009 Technique for identifying probable billers of a consumer 4 2003
* 2004/0139,011 Technique for identifying probable payees of a consumer 2 2003
7657484 Electronic bill presentment via a wide area communications network 7 2003
* 2006/0064,377 Electronic bill presentment via a wide area communications network 5 2003
* 2004/0139,005 Making cashless purchases without identifying the purchase's payment account 20 2003
* 2004/0199,431 Technique for conducting secure transactions over a network 17 2004
7729996 Reuse of an EBP account through alternate authentication 3 2004
* 2005/0119,971 Reuse of an EBP account through alternate althentication 8 2004
* 2005/0137,978 Presentation and payment of bills over a wide area communications network 15 2005
7778901 Integrated electronic presentment and payment of bills by different entities 8 2005
* 2006/0195,397 Centralized electronic bill presentment 2 2005
* 2006/0195,396 Centralized customer care for electronic payments and other transactions via a wide area communications network 2 2005
8612342 Notification of the availability of electronic bills 0 2005
* 2007/0121,840 STORING NOTICE OF REMITTANCE RECEIVED IN A DISTRIBUTED DATA NETWORK 2 2006
 
FUJITSU LIMITED (8)
* 6003762 Transaction terminal for an electronic cashless system 264 1994
* 5644118 Electronic cashless system 63 1996
* 6003767 Cashless medium for an electronic cashless system 16 1996
* 6474545 Digital cash safe 2 1999
6257487 Electronic cashless system 29 1999
6926200 Electronic cashless system 11 2000
6378775 Electronic cashless system 21 2001
6915951 Electronic cashless system 7 2002
 
J.P. MORGAN CHASE & CO (2)
8612341 Computerized funding of a second financial account by a first financial card 2 2004
8700529 Mutual fund card method and system 0 2006
 
ALICE CORPORATION PTY LTD. (9)
8050996 Systems relating to the establishment of a contractual obligation 0 2002
* 2003/0023,546 Methods and apparatus relating to the formulation and trading of risk management contracts 27 2002
7149720 Systems for exchanging an obligation 32 2002
* 2003/0191,707 Methods and apparatus relating to the formulation and trading of risk management contracts 16 2002
7725375 Systems and computer program products for exchanging an obligation 5 2005
* 2005/0246,197 Methods and apparatus relating to the formulation and trading of risk management contracts 10 2005
7822676 Systems and methods relating to the formulation of a multi-party contract 5 2006
8401954 Systems relating to the formulation of risk management contracts 2 2010
* 2011/0093,377 Systems and Computer Program Products for Exchanging an Obligation 0 2010
 
FIRST DATA CORPORATION (58)
6820202 Account authority digital signature (AADS) system 96 1998
8620814 Three party account authority digital signature (AADS) system 0 2001
* 2002/0112,160 Three Party Account Authority Digital Signature (AADS) System 26 2001
7558965 Entity authentication in electronic communications by providing verification status of device 46 2001
7552333 Trusted authentication digital signature (tads) system 28 2001
7500272 Manufacturing unique devices that generate digital signatures 15 2001
7200749 Method and system for using electronic communications for an electronic contract 27 2001
7047416 Account-based digital signature (ABDS) system 23 2001
6983368 Linking public key of device to information during manufacture 10 2001
6978369 Person-centric account-based digital signature system 103 2001
* 2002/0026,575 Account-based digital signature (ABDS) system 76 2001
* 2002/0023,217 Manufacturing unique devices that generate digital signatures 39 2001
* 2002/0016,913 Modifying message data and generating random number digital signature within computer chip 36 2001
6981154 Account authority digital signature (AADS) accounts 12 2001
6820199 Sending electronic transaction message, digital signature derived therefrom, and sender identity information in AADS system 25 2002
* 2002/0116,608 Sending electronic transaction message, digital signature derived therefrom, and sender identity information in AADS system 4 2002
7127606 Account-based digital signature (ABDS) system 32 2002
* 2002/0129,248 Account-based digital signature (ABDS) system 25 2002
* 2003/0014,372 Trusted authentication digital signature (tads) system 71 2002
* 2003/0177,361 Method and system for using electronic communications for an electronic contract 25 2002
7010691 ABDS system utilizing security information in authenticating entity access 21 2003
6950940 ABDS method utilizing security information in authenticating entity access 41 2003
6938156 ABDS system and verification status for authenticating entity access 99 2003
6851054 Account-Based digital signature (ABDS) system for authenticating entity access to controlled resource 74 2003
* 2003/0131,235 ABDS Method Utilizing Security Information in Authenticating Entity Access 5 2003
* 2003/0131,234 Account-Based Digital Signature (ABDS) System for Authenticating Entity Access to Controlled Resource 0 2003
* 2003/0126,439 ABDS System Utilizing Security Information in Authenticating Entity Access 1 2003
* 2003/0126,438 ABDS System and Verification Status for Authenticating Entity Access 2 2003
7096354 Central key authority database in an ABDS system 76 2003
7082533 Gauging risk in electronic communications regarding accounts in ABDS system 9 2003
7047414 Managing database for reliably identifying information of device generating digital signatures 39 2003
7028185 Managing database for identifying to recipients security features of devices generating digital signatures 25 2003
6959381 Central key authority (CKA) database for user accounts in ABDS system 25 2003
6957336 Establishing initial PuK-linked account database 14 2003
6952773 Requesting execution of instructions on accounts in ABDS system 11 2003
6915430 Reliably identifying information of device generating digital signatures 17 2003
6892302 Incorporating security certificate during manufacture of device generating digital signatures 18 2003
6789189 Managing account database in ABDS system 37 2003
* 2003/0115,463 Requesting Execution of Instructions on Accounts in ABDS System 5 2003
* 2003/0101,344 Establishing Initial PuK-Linked Account Database 17 2003
* 2003/0101,136 Managing Account Database in ABDS System 9 2003
* 2003/0097,562 Managing Database for Reliably Identifying Information of Device Generating Digital Signatures 5 2003
* 2003/0097,561 Gauging Risk in Electronic Communications Regarding Accounts in ABDS System 2 2003
* 2003/0097,573 Central Key Authority Database in an ABDS System 8 2003
* 2003/0097,570 Managing Database for Identifying to Recipients Security Features of Devices Generating Digital Signatures 1 2003
* 2004/0128,508 Method and apparatus for access authentication entity 35 2003
* 2004/0030,901 Linking public key of device to information during manufacture 11 2003
* 2004/0005,051 Entity authentication in eletronic communications by providing verification status of device 37 2003
* 2003/0115,151 Person-centric account-based digital signature system 19 2003
7257228 Account authority digital signature (AADS) system using encoded information 13 2004
* 2005/0044,373 ACCOUNT AUTHORITY DIGITAL SIGNATURE (AADS) SYSTEM USING ENCODED INFORMATION 1 2004
7549050 Sending electronic transaction message for entity information account, digital signature derived therefrom, and sender identity information in AADS system 1 2004
7519821 Account authority digital signature (AADS) system 1 2004
* 2005/0005,123 ACCOUNT AUTHORITY DIGITAL SIGNATURE (AADS) SYSTEM 11 2004
8315929 Online incremental payment method 6 2007
* 2007/0118,472 ONLINE INCREMENTAL PAYMENT METHOD 40 2007
7784106 Manufacturing unique devices that generate digital signatures 3 2009
* 2009/0158,029 MANUFACTURING UNIQUE DEVICES THAT GENERATE DIGITAL SIGNATURES 5 2009
 
GRAPHON CORPORATION (1)
8510226 Method for synchronous encryption between a client and a licensing agent 6 2007
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (2)
* 7222108 Electronic cash implementing method and equipment using user signature and recording medium recorded thereon a program for the method 6 2002
* 2004/0083,182 Electronic cash implementing method and equipment using user signature and recording medium recorded thereon a program for the method 10 2002
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (2)
6173272 Electronic funds transfer method and system and bill presentment method and system 287 1998
6317745 Trusted third party data structure for electronic funds transfer and bill presentment 146 2000
 
SEITRAN INCORPORATED, INC. (1)
6859795 Method for carrying out transactions and device for realizing the same 3 1999
 
NEXTCARD, LLC (2)
* 8010422 On-line balance transfers 29 2001
* 2005/0004,864 Implementing a counter offer for an on line credit card application 56 2004
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (20)
* 6016484 System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment 365 1996
* 5987140 System, method and article of manufacture for secure network electronic payment and credit collection 347 1996
* 5963924 System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce 360 1996
* 5815657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 621 1996
6373950 System, method and article of manufacture for transmitting messages within messages utilizing an extensible, flexible architecture 263 1996
6253027 System, method and article of manufacture for exchanging software and configuration data over a multichannel, extensible, flexible architecture 183 1996
6178409 System, method and article of manufacture for multiple-entry point virtual point of sale architecture 247 1996
* 6119105 System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture 142 1996
* 6072870 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 412 1996
* 6026379 System, method and article of manufacture for managing transactions in a high availability system 290 1996
* 6002767 System, method and article of manufacture for a modular gateway server architecture 282 1996
* 5987132 System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture 269 1996
* 5983208 System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 297 1996
* 5943424 System, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture 270 1996
* 5889863 System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture 361 1996
* 5850446 System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture 356 1996
* 5812668 System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture 281 1996
* 5828840 Server for starting client application on client if client is network terminal and initiating client application on server if client is non network terminal 232 1996
6324525 Settlement of aggregated electronic transactions over a network 283 1998
6304915 System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser 160 1999
 
NETDEPOSIT, LLC (1)
8660956 Method and system for processing financial instrument deposits physically remote from a financial institution 0 2011
 
Zynga Inc. (2)
* 8315944 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. (3)
* 7827108 System and method of validating a relationship between a user and a user account at a financial institution 2 2008
* 2010/0131,408 System and Method of Validating a Relationship Between a User and a User Account at a Financial Institution 5 2008
8639846 Adaptive gateway for switching transactions and data on unreliable networks using context-based rules 0 2010
 
Phoenix Licensing, LLC (19)
6999938 Automated reply generation direct marketing system 91 1999
7711599 Apparatus for preparing client communications involving financial products and services 13 2000
* 2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 132 2003
7774230 System, method, and computer program product for selecting and presenting financial products and services 4 2003
* 2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 125 2003
8234184 Automated reply generation direct marketing system 2 2005
7890366 Personalized communication documents, system and method for preparing same 0 2006
7856375 Customized communication document creation system and method 4 2006
7991649 Method for automatically preparing a plurality of client communications offering one or more financial products or services 6 2007
* 2007/0288,301 SYSTEM AND METHOD FOR AUTOMATED GENERATION OF COMMUNICATIONS INVOLVING PRODUCTS OR SERVICES 1 2007
7860744 System and method for automatically providing personalized notices concerning financial products and/or services 4 2007
8073735 System and method for automating financial document compliance 0 2007
8019644 System and method for automated processing of new products and services 1 2007
7778867 System and method for automated execution, reporting, and sales analysis 5 2007
* 2008/0015,921 SYSTEM AND METHOD FOR AUTOMATED EXECUTION, REPORTING, AND SALES ANALYSIS 0 2007
8606632 System, method, and computer program product for selecting and presenting financial products and services 0 2010
8458052 System and method for automated generation of communications involving products or services 0 2011
8175934 System and method for automated generation of communications involving products or services 0 2011
8719114 System and method for automated generation of communications involving products or services 0 2012
 
NEC CORPORATION (1)
* 2002/0046,171 Authenticity checker for driver's license, automated-teller machine provided with the checker and program recording medium 16 2001
 
PAYPAL INTERNATIONAL LIMITED (5)
* 5870473 Electronic transfer system and method 201 1995
* 5897621 System and method for multi-currency transactions 234 1996
6205433 System and method for multi-currency transactions 210 1998
* RE41619 System and method for multicurrency transactions 9 2003
RE44502 System and method for multi-currency transactions 7 2010
 
SEAGATE TECHNOLOGY, INC. (1)
* 5949043 Electronic cashless system 55 1997
 
PAYPAL, INC. (5)
7742985 Multicurrency exchanges between participants of a network-based transaction facility 59 2003
* 2008/0147,479 Proprietor currency assignment system and method 20 2006
8055582 Multi currency exchanges between participants of a network-based transaction facility 8 2010
8249990 Multi currency exchanges between participants of a networked-based transaction facility 3 2011
8712913 Multi currency exchanges between participants 0 2012
 
SWYCHCO INFRASTRUCTURE SERVICES PTY LTD. (1)
6912510 Methods of exchanging an obligation 66 2000
 
JPMORGAN CHASE BANK, N.A. (81)
7370004 Personalized interactive network architecture 70 2000
7433829 System and method for managing global risk 11 2001
7512566 System and method for using a stored value account having subaccount feature 12 2001
7809641 System and method for funding a collective account 13 2002
7860789 Multiple account advanced payment card and method of routing card transactions 15 2002
7165049 Sponsor funded stored value card 107 2002
7801816 System and method for currency selectable stored value instrument 2 2003
8239304 Method and system for providing pre-approved targeted products 1 2003
8751391 System and process for performing purchase transactions using tokens 10 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
7953663 System and method for financial instrument pre-qualification and offering 7 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 54 2003
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 67 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 55 2004
7171388 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7191952 Selectable multi-purpose card 114 2004
8630898 Stored value card provided with merchandise as rebate 0 2005
7756896 System and method for multi-dimensional risk analysis 37 2005
7660763 Customer activated multi-value (CAM) card 20 2005
7263507 Customer activated multi-value (CAM) card 54 2005
7401731 Method and system for implementing a card product with multiple customized relationships 97 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 60 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 4 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
7360693 System and method for a card benefit program providing benefits to program members based on program performance 41 2006
7753259 System and method for granting promotional rewards to both customers and non-customers 45 2006
7357331 Selectable multi-purpose card 57 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
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
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
8033451 System and method for funding a collective account by use of an electronic tag 1 2007
7809643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7949574 Personalized interactive network architecture 9 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 29 2008
8533111 System and method for providing promotional pricing 0 2008
7890422 Multiple account advanced payment card and method of routing card transactions 27 2008
8245909 Method and system for implementing a card product with multiple customized relationships 2 2008
D602522 Transaction device 59 2008
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 40 2009
9240089 Systems and methods for time variable financial authentication 0 2009
7926711 System and method for granting promotional rewards to both customers and non-customers 10 2009
8190522 System and method for providing borrowing schemes 3 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
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
8517258 System and method for granting promotional rewards to both customers and non-customers 13 2011
8326694 Personalized interactive network architecture 3 2011
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
8706625 System and method for providing borrowing schemes 0 2013
8533086 Variable rate payment card 0 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
 
MICROSOFT TECHNOLOGY LICENSING, LLC (2)
* 5878138 System and method for detecting fraudulent expenditure of electronic assets 114 1996
* 5872844 System and method for detecting fraudulent expenditure of transferable electronic assets 71 1996
 
Hitachi Video and Information System, Inc. (1)
* 2009/0287,606 SYSTEM AND TERMINAL DEVICE FOR ELECTRONIC MONEY TRANSACTION ON INFORMATION AND METHOD THEREOF 0 2009
 
AccuBalance Corporation (3)
* 7044365 Method for reconciling a financial account from a portable account register 21 2003
* 2004/0108,376 Personal digital account register 2 2003
* RE44059 Method for reconciling a financial account from a portable account register 0 2006
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (5)
* 6477513 Method and apparatus for executing cryptographically-enabled letters of credit 54 1997
6904418 Method and apparatus for executing cryptographically-enabled letters of credit 6 2002
7991698 Method and apparatus for executing cryptographically-enabled letters of credit 0 2005
* 2005/0182,733 Method and apparatus for executing cryptographically-enabled letters of credit 0 2005
8355991 Method and apparatus for executing cryptographically-enabled letters of credit 0 2011
 
S.F. IP PROPERTIES 59 LLC (1)
* 2007/0157,021 SECURE SYSTEM FOR THE ISSUANCE, ACQUISITION, AND REDEMPTION OF CERTIFICATES IN A TRANSACTION NETWORK 9 2007
 
PAYSAFECARD.COM WERTKARTEN GMBH (2)
7680712 Electronic processing system 1 2005
* 2005/0278,188 Electronic processing system 35 2005
 
METAVANTE CORPORATION (5)
7386516 System and method for providing secure services over public and private networks using a removable portable computer-readable storage 11 1999
7669233 Methods and systems for secure transmission of identification information over public networks 2 2005
7222365 Non-algorithmic vectored steganography 0 2005
* 2006/0005,037 Non-algorithmic vectored steganography 0 2005
* 2005/0228,755 Methods and systems for secure transmission of identification information over public networks 1 2005
 
EFUNDS CORPORATION (1)
* 2003/0018,554 Network and process for settling financial transactions 34 2002
 
QUALCOMM INCORPORATED (1)
9262655 System and method for enhanced RFID instrument security 0 2014
 
CertCo (3)
6353812 Computer-based method and system for aiding transactions 23 1998
8121949 Computer-based method and system for aiding transactions 0 2008
* 2008/0221,914 Computer-based method and system for aiding transactions 5 2008
 
INTUIT INC. (2)
7395241 Consumer-directed financial transfers using automated clearinghouse networks 66 2000
7720760 Consumer-directed financial transfers using automated clearinghouse networks 8 2008
 
ERICSSON INC. (1)
* 6581035 System and method for voice-enabled transactions 8 2000
 
Sintef Delab (1)
* 5905976 System of secured payment by the transfer of electronic money through an interbank network 45 1996
 
La Regie Autonome des Transports Parisiens (1)
* 7370203 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 (6)
7447914 Method for controlling database copyrights 5 1997
* 2002/0025,044 Data management system 3 2001
7383447 Method for controlling database copyrights 4 2005
RE42163 Data management system 2 2006
7979354 Controlling database copyrights 1 2006
8554684 Controlling database copyrights 0 2011
 
COMPUCREDIT (1)
* 2007/0007,333 On-us cash withdrawal at a point-of-sale 15 2005
 
Zowi.com, Inc (1)
6173269 Method and apparatus for executing electronic commercial transactions with minors 275 1999
 
RPX CORPORATION (1)
* 8538806 Systems and methods for establishing transactions utilizing a data store of billing information 1 2011
 
SONY INTERACTIVE ENTERTAINMENT AMERICA LLC (1)
8388440 Network account linking 0 2003
 
American EPS, Inc. (6)
6764013 Multi-purpose terminal, payroll and work management system and related methods 25 2002
* 2003/0197,055 Multi-purpose terminal, payroll and work management system and related methods 6 2002
7229013 Biometric multi-purpose terminal, payroll and work management system and related methods 19 2004
* 2005/0109,836 Biometric multi-purpose terminal, payroll and work management system and related methods 49 2004
* 2008/0041,942 Biometric Multi-Purpose Terminal, Payroll and Work Management System and Related Methods 11 2007
* 2009/0127,328 BIOMETRIC MULTI-PURPOSE BIOMETRIC TERMINAL, PAYROLL AND WORK MANAGEMENT SYSTEM AND RELATED METHODS 10 2008
 
Unisys Corporation (1)
* 5884290 Method of transferring funds employing a three-node real-time electronic interlock 103 1996
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
* 2003/0208,440 International payment system and method 37 2001
 
REGULATORY DATACORP, INC. (10)
8140415 Automated global risk management 6 2001
* 2002/0138,407 Automated global risk management 36 2001
* 7899722 Correspondent bank registry 6 2002
8209246 Proprietary risk management clearinghouse 4 2003
8121937 Gaming industry risk management clearinghouse 0 2003
8996481 Method, system, apparatus, program code and means for identifying and extracting information 0 2004
8762191 Systems, methods, apparatus, and schema for storing, managing and retrieving information 1 2004
8843411 Gaming industry risk management clearinghouse 0 2012
9063985 Method, system, apparatus, program code and means for determining a redundancy of information 0 2013
9058581 Systems and methods for managing information associated with legal, compliance and regulatory risk 0 2013
* Cited By Examiner