US Patent No: 5,453,601

Number of patents in Portfolio can not be more than 2000

Electronic-monetary system

2 Status Updates

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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, NY329

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Rosen, Sholom S New York, NY 29 6049

Cited Art Landscape

Patent Info (Count) # Cites Year
 
VAN DETSAN NETWORKS LIMITED LIABILITY COMPANY (6)
4,759,064 Blind unanticipated signature systems 245 1985
4,949,380 Returned-value blind signature systems 95 1988
4,991,210 Unpredictable blind signature systems 76 1989
4,996,711 Selected-exponent signature systems 117 1989
4,914,698 One-show blind signature systems 99 1989
4,987,593 One-show blind signature systems 84 1990
 
Compagnie Internationale pour l'Informatique CII-Honeywell Bull (Societe Anonyme) (4)
4,256,955 System for keeping account of predetermined homogeneous units 87 1978
4,224,666 Data processing system which protects the secrecy of confidential data 41 1978
4,467,139 Process and system for transmission of signed messages 154 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
 
MONEYFAX, INC. (4)
4,341,951 Electronic funds transfer and voucher issue system 284 1980
4,454,414 Funds transfer system using optically coupled, portable modules 454 1982
4,523,087 Transaction verification system using optical coupling data communication link 137 1982
4,625,276 Data logging and transfer system using portable and resident units 243 1983
 
CASIO COMPUTER CO., LTD. (3)
4,697,073 IC card 90 1986
4,692,601 Identification card including switching means for built-in battery 46 1986
4,727,244 IC card system 79 1986
 
COLLEGE SAVINGS BANK (3)
4,642,768 Methods and apparatus for funding future liability of uncertain cost 217 1984
4,752,877 Method and apparatus for funding a future liability of uncertain cost 352 1986
4,722,055 Methods and apparatus for funding future liability of uncertain cost 185 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 161 1986
 
HITACHI, LTD. (2)
4,511,970 Portable terminal device 65 1982
4,827,112 System for processing IC card with display function 22 1987
 
ICL Systems AB (2)
4,214,230 Personal identification system 62 1978
4,629,872 Method and apparatus for verifying personal identification numbers and checking stored number series in identification media 50 1984
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
4,302,810 Method and apparatus for secure message transmission for use in electronic funds transfer systems 145 1979
4,277,837 Personal portable terminal for financial transactions 289 1980
 
NCR CORPORATION (2)
4,634,845 Portable personal terminal for use in a system for handling transactions 289 1984
4,689,478 System for handling transactions including a portable personal terminal 271 1984
 
Omron Tateisi Electronics Co. (2)
4,736,094 Financial transaction processing system using an integrated circuit card device 210 1985
4,673,802 System for making payments for transactions 94 1986
 
TECHNOLOGY INNOVATIONS ASSOCIATES, LLC (2)
2004/0177,319 Computer system for automatic organization, indexing and viewing of information from multiple sources 10 2003
2004/0177,319 Computer system for automatic organization, indexing and viewing of information from multiple sources 10 2003
 
ALGORITHMIC RESEARCH LTD. (1)
4,964,164 RSA computation method for efficient batch processing 37 1989
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 340 1981
 
Atalla Corporation (1)
4,536,647 Pocket banking terminal, method and system 145 1983
 
BANK OF AMERICA CORPORATION (1)
4,597,046 Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets 314 1982
 
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
 
CITIBANK, N.A. (1)
4,751,640 Automated investment system 245 1984
 
Computer Security Corporation (1)
4,962,530 System for cryptographing and identification 37 1987
 
CURRENCY SCIENTIFIC, INC. (1)
4,305,059 Modular funds transfer system 189 1980
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 333 1989
 
Electronique Serge Dassault (1)
4,992,646 Transaction system of the electronic purse type 144 1989
 
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
 
FIRST DATA CORPORATION (1)
4,321,672 Financial data processing system 692 1979
 
GTE SUPPORT SERVICES, INCORPORATED, A CORP OF DE (1)
4,727,243 Financial transaction system 347 1984
 
HITACHI MAXELL, LTD. (1)
4,767,920 Reader and writer for an IC card 53 1986
 
HITACHI-OMRON TERMINAL SOLUTIONS CORP. (1)
4,757,185 Automatic cash transaction apparatus 91 1987
 
INFOSPACE, INC. (1)
4,529,870 Cryptographic identification, financial transaction, and credential device 416 1982
 
Intellicard International, Inc. (1)
4,614,861 Unitary, self-contained card verification and validation system and method 589 1984
 
INTERNATIONAL SECURITY NOTE AND COMPUTER CORPORATION 33 AVENIDA FEDERICO BOYD, APARTADO 951 PANAMA CITY,PANAMA (1)
4,630,201 On-line and off-line transaction security system using a code generated from a transaction parameter and a random number 330 1984
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 242 1987
 
Juergen Dethloff (1)
4,837,422 Multi-user card system 464 1987
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 228 1985
 
MASSACHUSETTS INSTITUTE OF TECHNOLOGY (1)
4,405,829 Cryptographic communications system and method 1033 1977
 
NEW FIRST CITY, TEXAS - AUSTIN, N.A. (1)
4,985,833 Extended coverage monetary regulation system 109 1990
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
4,977,595 Method and apparatus for implementing electronic cash 205 1990
 
OKI ELECTRIC INDUSTRY CO., LTD. (1)
4,877,947 Transaction processing system 226 1987
 
PASS TECHNOLOGIES, INC. (1)
4,906,828 Electronic money purse and fund transfer system 163 1988
 
Personal Computer Card Corporation (1)
4,742,215 IC card system 137 1986
 
PLAROID CORPORATION (1)
4,879,747 Method and system for personal identification 341 1988
 
RECOGNITION EQUIPMENT INCORPORATED (1)
4,404,649 Document processing system 108 1980
 
RMR Systems, Inc. (1)
4,650,978 Off line cash card system and method 132 1986
 
SHARP KABUSHIKI KAISHA (1)
4,705,211 Card-type data terminal operatively connectable to electronic apparatus 83 1985
 
STEVEN M. HOFFBERG 2004-1 GRAT (1)
2002/0151,992 Media recording device with packet data interface 11 2002
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1715 1986
 
THE BOARD OF TRUSTEES OF THE LELAND STANFORD JUNIOR UNIVERSITY (1)
4,218,582 Public key cryptographic apparatus and method 501 1977
 
The Vanguard Group, Inc. (1)
2005/0154,658 System and Method for Automatic Investment Planning 9 1999
 
Toppan Moore Co., Ltd. (1)
4,734,568 IC card which can set security level for every memory area 146 1986
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 346 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
 
YAMA CAPITAL, LLC (1)
4,995,081 Method and system for personal identification using proofs of legitimacy 177 1989
 
YEDA RESEARCH AND DEVELOPMENT CO. LTD. (1)
4,748,668 Method, apparatus and article for identification and signature 296 1986
 
Other [Check patent profile for assignment information] (5)
4,270,042 Electronic funds transfer system 165 1978
4,320,387 Information communicating apparatus and method 50 1979
4,460,965 Device for the use of and easily carried by an individual 64 1981
4,443,027 Multiple company credit card system 198 1981
4,823,264 Electronic funds transfer system 571 1986

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
CONTENTGUARD HOLDINGS, INC. (98)
7,356,688 System and method for document distribution 23 1999
7,286,665 System and method for transferring the right to decode messages 6 1999
6,937,726 System and method for protecting data files by periodically refreshing a decryption key 27 1999
6,859,533 System and method for transferring the right to decode messages in a symmetric encoding scheme 24 1999
7,068,787 System and method for protection of digital works 18 2000
6,885,748 System and method for protection of digital works 58 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 18 2000
6,931,545 Systems and methods for integrity certification and verification of content consumption environments 48 2000
6,912,294 Multi-stage watermarking process and system 36 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 8 2001
6,944,600 System for controlling the distribution and use of digital works using digital tickets 17 2001
6,714,921 System for controlling the distribution and use of digital works using digital tickets 85 2001
6,708,157 System for controlling the distribution and use of digital works using digital tickets 43 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 14 2001
6,976,009 Method and apparatus for assigning consequential rights to documents and documents having such rights 36 2001
6,973,445 Demarcated digital content and method for creating and processing demarcated digital works 21 2001
6,876,984 Method and apparatus for establishing usage rights for digital content to be created in the future 36 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 22 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 43 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 12 2002
6,824,051 Protected content distribution system 49 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 8 2002
6,963,859 Content rendering repository 19 2003
6,920,436 Digital work structure 21 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 11 2003
6,865,551 Removable content repositories 8 2003
7,043,453 Method and system for conducting transactions between repositories using a repository transaction protocol 35 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 2 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 1 2003
7,412,605 Method and apparatus for variable encryption of data 4 2003
7,269,735 Instance specific digital watermarks 10 2003
7,237,125 Method and apparatus for automatically deploying security components in a content distribution system 12 2003
7,206,941 Method and apparatus for validating security components through a request for content 7 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 38 2003
6,957,194 Method for printing digital works 7 2003
7,065,505 Method for metering and pricing of digital works 3 2003
7,058,606 Method for loaning digital works 20 2003
7,024,392 Method for controlling use of database content 5 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 1 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 4 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 2 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 8 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 7 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 2 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 1 2005
7,664,708 System for controlling the distribution and use of digital works using digital tickets 2 2005
7,720,767 Method and system to support dynamic rights and resources sharing 16 2005
7,523,072 System for controlling the distribution and use of digital works 25 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 1 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
8,468,098 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
 
JPMORGAN CHASE BANK, N.A. (77)
7,370,004 Personalized interactive network architecture 51 2000
7,433,829 System and method for managing global risk 8 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 10 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 12 2002
7,165,049 Sponsor funded stored value card 101 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 6 2003
7,809,595 System and method for managing risks associated with outside service providers 6 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 47 2003
7,707,111 Customer activated multi-value (CAM) card 32 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 61 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 41 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 97 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 33 2005
7,660,763 Customer activated multi-value (CAM) card 20 2005
7,263,507 Customer activated multi-value (CAM) card 47 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 81 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 45 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 3 2006
7,360,693 System and method for a card benefit program providing benefits to program members based on program performance 34 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 39 2006
7,357,331 Selectable multi-purpose card 54 2006
7,603,283 Method and system for managing risk 4 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 4 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 3 2007
8,676,642 System and method for granting promotional rewards to financial account holders 0 2008
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 26 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 16 2008
8,245,909 Method and system for implementing a card product with multiple customized relationships 2 2008
D602522 Transaction device 45 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 12 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 1 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 1 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 0 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
 
InterTrust Technologies Corp. (65)
6,157,721 Systems and methods using cryptography to protect secure computing environments 446 1996
5,943,422 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 796 1996
5,892,900 Systems and methods for secure transaction management and electronic rights protection 1938 1996
5,910,987 Systems and methods for secure transaction management and electronic rights protection 759 1996
5,917,912 System and methods for secure transaction management and electronic rights protection 618 1997
5,915,019 Systems and methods for secure transaction management and electronic rights protection 628 1997
5,920,861 Techniques for defining using and manipulating rights management data structures 555 1997
5,982,891 Systems and methods for secure transaction management and electronic rights protection 841 1997
6,112,181 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 755 1997
6,253,193 Systems and methods for the secure transaction management and electronic rights protection 592 1998
6,185,683 Trusted and secure techniques, systems and methods for item delivery and execution 642 1998
6,240,185 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 319 1999
7,233,948 Methods and apparatus for persistent control and protection of content 152 1999
6,138,119 Techniques for defining, using and manipulating rights management data structures 418 1999
6,363,488 Systems and methods for secure transaction management and electronic rights protection 457 1999
7,133,845 System and methods for secure transaction management and electronic rights protection 108 1999
6,389,402 Systems and methods for secure transaction management and electronic rights protection 372 1999
6,237,786 Systems and methods for secure transaction management and electronic rights protection 378 1999
7,069,451 Systems and methods for secure transaction management and electronic rights protection 76 1999
6,427,140 Systems and methods for secure transaction management and electronic rights protection 356 1999
7,133,846 Digital certificate support system, methods and techniques for secure electronic commerce transaction and rights management 171 1999
6,658,568 Trusted infrastructure support system, methods and techniques for secure electronic commerce transaction and rights management 403 1999
7,165,174 Trusted infrastructure support systems, methods and techniques for secure electronic commerce transaction and rights management 64 1999
7,092,914 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 41 2000
7,243,236 Systems and methods for using cryptography to protect secure and insecure computing environments 29 2000
7,430,670 Software self-defense systems and methods 85 2000
7,143,290 Trusted and secure techniques, systems and methods for item delivery and execution 31 2000
7,062,500 Techniques for defining, using and manipulating rights management data structures 77 2000
7,095,854 Systems and methods for secure transaction management and electronic rights protection 42 2000
6,292,569 Systems and methods using cryptography to protect secure computing environments 308 2000
6,948,070 Systems and methods for secure transaction management and electronic rights protection 116 2000
7,076,652 Systems and methods for secure transaction management and electronic rights protection 119 2001
6,449,367 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 274 2001
7,120,800 Systems and methods for secure transaction management and electronic rights protection 84 2001
7,120,802 Systems and methods for using cryptography to protect secure computing environments 32 2001
7,124,302 Systems and methods for secure transaction management and electronic rights protection 100 2001
7,051,212 Systems and methods for secure transaction management and electronic rights protection 50 2002
6,618,484 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 163 2002
7,143,066 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 64 2002
7,110,983 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 66 2002
6,938,021 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 126 2002
8,307,212 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 0 2003
7,100,199 Systems and methods for secure transaction management and electronic rights protection 62 2003
8,751,793 Trusted infrastructure support systems, methods and techniques for secure electronic commerce transaction and rights management 0 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 92 2004
7,392,395 Trusted and secure techniques, systems and methods for item delivery and execution 13 2005
7,281,133 Trusted and secure techniques, systems and methods for item delivery and execution 23 2005
7,844,835 Systems and methods for secure transaction management and electronic rights protection 9 2005
8,533,851 Systems and methods for secure transaction management and electronic rights protection 2 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 17 2006
7,917,749 Systems and methods for secure transaction management and electronic rights protection 4 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 4 2006
7,984,509 Systems and methods for secure transaction management and electronic rights protection 3 2007
8,191,157 Systems and methods for secure transaction management and electronic rights protection 2 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 4 2007
8,141,165 Systems and methods for secure transaction management and electronic rights protection 3 2007
8,006,087 Systems and methods for secure transaction management and electronic rights protection 3 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 0 2011
8,533,854 Systems and methods for secure transaction management and electronic rights protection 1 2011
 
CUMMINS-ALLISON CORP. (50)
7,349,566 Image processing network 108 2003
8,125,624 Automated document processing system and method 40 2005
7,778,456 Automatic currency processing system having ticket redemption module 71 2006
7,929,749 System and method for saving statistical data of currency bills in a currency processing device 39 2006
7,946,406 Coin processing device having a moveable coin receptacle station 13 2006
8,352,322 Automated document processing system using full image scanning 12 2007
8,346,610 Automated document processing system using full image scanning 13 2007
7,949,582 Machine and method for redeeming currency to dispense a value card 38 2007
RE44252 Coin redemption system 2 2007
8,204,293 Document imaging and processing system 45 2008
8,380,573 Document processing system 13 2008
8,701,857 System and method for processing currency bills and tickets 0 2008
7,980,378 Systems, apparatus, and methods for currency processing control and redemption 19 2009
8,103,084 Document processing system using full image scanning 32 2009
8,041,098 Document processing system using full image scanning 32 2009
8,514,379 Automated document processing system and method 2 2009
8,538,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2010
8,478,019 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2010
8,478,020 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2010
8,467,591 Apparatus and system for imaging currency bills and financial documents and method for using the same 4 2010
8,437,528 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2010
8,437,529 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2010
8,437,530 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2010
8,437,532 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2010
8,433,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2010
8,428,332 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2010
8,417,017 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2010
8,162,125 Apparatus and system for imaging currency bills and financial documents and method for using the same 47 2010
8,391,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 13 2010
8,627,939 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,126,793 Automated payment system and method 30 2010
8,169,602 Automated document processing system and method 29 2011
8,396,278 Document processing system using full image scanning 15 2011
8,442,296 Check and U.S. bank note processing device and method 9 2011
8,437,531 Check and U.S. bank note processing device and method 10 2011
8,433,126 Check and U.S. bank note processing device and method 10 2011
8,339,589 Check and U.S. bank note processing device and method 14 2011
8,625,875 Document imaging and processing system for performing blind balancing and display conditions 0 2012
8,714,336 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2012
8,459,436 System and method for processing currency bills and tickets 5 2012
8,644,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,655,045 System and method for processing a deposit transaction 1 2013
8,644,584 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,644,585 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,639,015 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,594,414 Apparatus and system for imaging currency bills and financial documents and method for using the same 1 2013
8,559,695 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2013
8,655,046 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,542,904 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2013
8,787,652 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
 
FIRST DATA CORPORATION (31)
6,820,202 Account authority digital signature (AADS) system 85 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 31 2001
7,552,333 Trusted authentication digital signature (tads) system 19 2001
7,500,272 Manufacturing unique devices that generate digital signatures 11 2001
7,200,749 Method and system for using electronic communications for an electronic contract 20 2001
7,047,416 Account-based digital signature (ABDS) system 18 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 88 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 29 2002
7,010,691 ABDS system utilizing security information in authenticating entity access 19 2003
6,950,940 ABDS method utilizing security information in authenticating entity access 35 2003
6,938,156 ABDS system and verification status for authenticating entity access 70 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 49 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 22 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 14 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 8 2004
7,549,050 Sending electronic transaction message for entity information account, digital signature derived therefrom, and sender identity information in AADS system 0 2004
7,519,821 Account authority digital signature (AADS) system 1 2004
8,315,929 Online incremental payment method 2 2007
7,784,106 Manufacturing unique devices that generate digital signatures 1 2009
 
CITIBANK, N.A. (22)
5,642,419 Method for acquiring and revalidating an electronic credential 278 1995
5,878,139 Method for electronic merchandise dispute resolution 196 1996
5,703,949 Method for establishing secure communications among processing devices 122 1996
5,774,553 Foreign exchange transaction system 169 1996
6,175,921 Tamper-proof devices for unique identification 58 1997
6,047,067 Electronic-monetary system 275 1997
6,122,625 Apparatus and method for secure transacting 281 1998
6,047,887 System and method for connecting money modules 50 1998
6,081,790 System and method for secure presentment and payment over open networks 280 1998
5,978,485 Foreign exchange transaction system 65 1998
7,028,187 Electronic transaction apparatus for electronic commerce 43 1998
6,088,797 Tamper-proof electronic processing device 67 1998
7,010,512 Transfer instrument 83 1998
6,336,095 Method for electronic merchandise dispute resolution 110 1998
7,254,557 Financial services payment vehicle and method 39 1999
7,478,239 Electronic ticket vending system 3 1999
6,947,908 System and use for correspondent banking 29 1999
6,868,408 Security systems and methods applicable to an electronic monetary system 42 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
 
STIKINE TECHNOLOGY, LLC (22)
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 27 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 43 2001
7,383,220 Automated short term option order processing 45 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 0 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
 
TRANSACTION HOLDINGS LTD, L.L.C. (21)
6,945,457 Automated transaction machine 74 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 7 2007
 
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 328 1996
5,987,140 System, method and article of manufacture for secure network electronic payment and credit collection 289 1996
5,963,924 System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce 300 1996
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 557 1996
6,178,409 System, method and article of manufacture for multiple-entry point virtual point of sale architecture 213 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 131 1996
6,072,870 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 375 1996
6,026,379 System, method and article of manufacture for managing transactions in a high availability system 259 1996
6,002,767 System, method and article of manufacture for a modular gateway server architecture 254 1996
5,987,132 System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture 210 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 269 1996
5,889,863 System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture 310 1996
5,850,446 System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture 327 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 258 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 204 1996
6,061,665 System, method and article of manufacture for dynamic negotiation of a network payment framework 291 1997
 
INTARSIA SOFTWARE LLC (16)
7,447,914 Method for controlling database copyrights 5 1997
6,449,717 Data copyright management system 21 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
 
PHOENIX LICENSING, LLC (15)
6,999,938 Automated reply generation direct marketing system 86 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 0 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
 
III HOLDINGS 1, LLC (13)
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 17 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 9 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 10 2004
8,121,941 System and method for automatic reconciliation of transaction account spend 1 2006
7,441,697 Limited use pin system and method 7 2007
7,448,538 Limited use pin system and method 6 2007
7,793,845 Smartcard transaction system and method 2 2009
8,016,191 Smartcard transaction system and method 17 2010
 
Sprint Communications Company L.P. (13)
8,249,935 Method and system for blocking confidential information at a point-of-sale reader from eavesdropping 4 2007
8,126,806 Method for launching an electronic wallet 30 2007
8,055,184 System and method for active jamming of confidential information transmitted at a point-of-sale reader 19 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 0 2008
8,200,582 Mobile device password system 9 2009
8,060,449 Partially delegated over-the-air provisioning of a secure element 13 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 6 2011
8,250,662 Partially delegated over-the-air provisioning of a secure element 4 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
 
YT ACQUISITION CORPORATION (13)
7,269,737 System and method for biometric authorization for financial transactions 44 2002
7,367,049 System and method for enrolling in a biometric system 21 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 1 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 43 2005
7,533,809 System and method for operating a parking facility 20 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 12 2008
7,778,933 System and method for categorizing transactions 10 2008
7,769,695 System and method for purchase benefits at a point of sale 12 2008
 
BANK OF AMERICA CORPORATION (12)
8,577,802 On-demand cash transport 0 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 0 2008
8,550,338 Cash supply chain notifications 0 2008
8,341,077 Prediction of future funds positions 0 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 1 2008
8,078,534 Cash supply chain surveillance 1 2008
7,982,610 Content-based prioritizing of deposits 1 2008
7,965,184 Cash handling facility management 2 2008
8,301,565 System and method for correspondent bank customer ATM transaction processing 3 2010
8,164,451 Cash handling facility management 1 2011
 
CITICORP DEVELOPMENT CENTER, INC. (9)
5,933,816 System and method for delivering financial services 446 1997
6,012,049 System for performing financial transactions using a smartcard 175 1998
6,970,836 System and method for securely storing electronic data 19 1999
6,978,250 System and method for automated electronic scrip transactions 6 1999
7,249,344 Delivery of financial services to remote devices 17 1999
6,289,324 System for performing financial transactions using a smart card 150 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
 
CHECKFREE CORPORATION (8)
6,678,664 Cashless transactions without credit cards, debit cards or checks 114 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
 
FUJITSU LIMITED (8)
6,003,762 Transaction terminal for an electronic cashless system 252 1994
5,644,118 Electronic cashless system 62 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 26 1999
6,926,200 Electronic cashless system 10 2000
6,378,775 Electronic cashless system 17 2001
6,915,951 Electronic cashless system 7 2002
 
MOTOROLA MOBILITY LLC (6)
6,378,073 Single account portable wireless financial messaging unit 79 1997
6,314,519 Secure messaging system overlay for a selective call signaling system 95 1997
6,311,167 Portable 2-way wireless financial messaging unit 59 1997
6,105,006 Transaction authentication for 1-way wireless financial messaging units 101 1997
6,041,314 Multiple account portable wireless financial messaging unit 78 1997
6,038,549 Portable 1-way wireless financial messaging unit 45 1997
 
PPS DATA, LLC (6)
7,181,430 Method and system for processing financial instrument deposits physically remote from a financial institution 61 2000
7,216,106 Method and system for processing financial instrument deposits physically remote from a financial institution 101 2000
7,386,511 Methods and systems for processing financial instrument deposits 77 2003
7,440,924 Method and system for processing financial instrument deposits physically remote from a financial institution 48 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
 
THE WESTERN UNION COMPANY (6)
8,412,627 Online funds transfer method 1 2001
8,041,606 Online purchasing method 1 2001
7,184,980 Online incremental payment method 35 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
 
VISA INTERNATIONAL SERVICE ASSOCIATION (6)
6,385,595 Electronic statement presentment system 95 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 1 2011
8,676,674 Peer-to-peer and group financial management systems and methods 0 2012
 
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 0 2010
 
CERTCO, INC. (5)
6,029,150 Payment and transactions in electronic commerce system 553 1996
5,903,882 Reliance server for electronic transaction system 351 1996
8,032,743 Reliance server for electronic transaction system 5 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 2012
 
DIEBOLD, INCORPORATED (5)
7,451,116 Automated transaction machine digital signature system and method 3 2002
7,216,083 Automated transaction machine digital signature system and method 8 2002
7,779,160 Financial transaction processing system and method 5 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
 
GOLDMAN, SACHS & CO. (5)
8,140,415 Automated global risk management 6 2001
7,899,722 Correspondent bank registry 3 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
 
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 241 1996
6,253,027 System, method and article of manufacture for exchanging software and configuration data over a multichannel, extensible, flexible architecture 165 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 234 1996
6,324,525 Settlement of aggregated electronic transactions over a network 263 1998
6,304,915 System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser 141 1999
 
PAYPAL INTERNATIONAL LIMITED (5)
5,870,473 Electronic transfer system and method 185 1995
5,897,621 System and method for multi-currency transactions 213 1996
6,205,433 System and method for multi-currency transactions 186 1998
RE41619 System and method for multicurrency transactions 2 2003
RE44502 System and method for multi-currency transactions 1 2010
 
XATRA FUND MX, LLC (5)
7,668,750 Securing RF transactions using a transactions counter 2 2004
7,705,732 Authenticating an RF transaction using a transaction counter 10 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
 
EBAY INC. (4)
7,660,740 Method and system for listing items globally and regionally, and customized listing according to currency or shipping area 13 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
 
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 2 2006
7,730,323 Controlling database copyrights 9 2006
 
WALKER DIGITAL, LLC (4)
6,477,513 Method and apparatus for executing cryptographically-enabled letters of credit 52 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
8,355,991 Method and apparatus for executing cryptographically-enabled letters of credit 0 2011
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (3)
7,072,864 Customer activated multi-value (CAM) card 126 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 103 2004
 
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
 
GOLDMONEY NETWORK LIMITED (3)
6,415,271 Electronic cash eliminating payment risk 96 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
 
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 165 1996
6,032,857 Electronic money system 56 1997
 
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
 
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
 
STRAGENT, LLC (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
 
TOUCH TECHNOLOGIES, INC. (3)
5,621,796 Transferring information between transaction networks 71 1994
5,596,642 Network settlement performed on consolidated information 73 1994
5,596,643 Network settlement performed on consolidated information 49 1996
 
AccuBalance Corporation (2)
7,044,365 Method for reconciling a financial account from a portable account register 17 2003
RE44059 Method for reconciling a financial account from a portable account register 0 2006
 
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 16 2004
 
AT&T INTELLECTUAL PROPERTY I, L.P. (2)
7,917,436 Internet billing method 0 2007
8,086,532 Internet billing method 0 2011
 
CANON KABUSHIKI KAISHA (2)
7,441,015 Method of undoing an operation remotely executed on a server station 0 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
 
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
 
CITIBANK DEVELOPMENT CENTER, INC. (2)
8,112,330 System and method for delivering financial services 2 2000
8,543,506 System and method for delivering financial services 0 2011
 
DOCUSIGN, INC. (2)
5,629,982 Simultaneous electronic transactions with visible trusted parties 229 1996
6,137,884 Simultaneous electronic transactions with visible trusted parties 50 1997
 
IDENTRUST, INC. (2)
7,765,161 System and method for providing payment services in electronic commerce 2 2004
8,793,487 Binding a digital certificate to multiple trust domains 0 2009
 
Integrated Technological Systems, Inc. (2)
8,321,347 Integrated technology money transfer system 2012
8,620,809 Integrated technology money transfer system 0 2012
 
INTUIT INC. (2)
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 54 2000
7,720,760 Consumer-directed financial transfers using automated clearinghouse networks 7 2008
 
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
 
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
 
MICALI, SILVIO (2)
5,666,420 Simultaneous electronic transactions 109 1996
6,141,750 Simultaneous electronic transactions with subscriber verification 41 1997
 
MICROSOFT CORPORATION (2)
5,878,138 System and method for detecting fraudulent expenditure of electronic assets 108 1996
5,872,844 System and method for detecting fraudulent expenditure of transferable electronic assets 69 1996
 
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
 
S.F. IP PROPERTIES 59 LLC (2)
7,209,889 Secure system for the issuance, acquisition, and redemption of certificates in a transaction network 34 1999
7,899,755 Secure system for the issuance, acquisition, and redemption of certificates in a transaction network 1 2007
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (2)
6,173,272 Electronic funds transfer method and system and bill presentment method and system 249 1998
6,317,745 Trusted third party data structure for electronic funds transfer and bill presentment 134 2000
 
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
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (2)
8,145,567 Transaction ID system and process 0 2005
8,407,145 Transaction ID system and process 0 2012
 
A3 SOCIETY LLC (1)
8,010,451 Effecting financial transactions 2 2010
 
AGROTEAM CONSULTANTS LTD. (1)
5,621,797 Electronic ticket presentation and transfer method 321 1995
 
BANK OF AMERICA, N.A. (1)
7,982,604 Tamper-indicating monetary package 2 2008
 
BANKERS TRUST COMPANY (1)
6,134,326 Simultaneous electronic transactions 35 1997
 
CAPITALWILL LLC (1)
8,630,951 Systems and methods for electronically circulating a currency 0 2009
 
CCIP CORP. (1)
7,676,395 On-us cash withdrawal at a point-of-sale 0 2005
 
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
 
CHECKFREE SERVICES CORPORATION (1)
7,792,749 Dynamic biller list generation 10 2000
 
ContentGuardiHoldings, Inc. (1)
7,028,009 Method and apparatus for distributing enforceable property rights 27 2002
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (1)
7,392,938 Cash withdrawal from ATM via videophone 9 2007
 
DOSA ADVANCES LLC (1)
6,213,390 Transaction method of electronic money system 77 1996
 
ERICSSON INC. (1)
6,581,035 System and method for voice-enabled transactions 6 2000
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
8,793,160 System and method for processing transactions 0 2003
 
GHR SYSTEMS, INC. (1)
6,233,566 System, method and computer program product for online financial products trading 485 1999
 
GILBARCO INC. (1)
8,386,322 Integrated point of sale terminal 0 2010
 
GM NETWORK LIMITED (1)
5,983,207 Electronic cash eliminating payment risk 104 1997
 
GR INTELLECTUAL RESERVE, LLC (1)
6,898,299 Method and system for biometric recognition based on electric and/or magnetic characteristics 237 1999
 
GRAPHON CORPORATION (1)
8,510,226 Method for synchronous encryption between a client and a licensing agent 2 2007
 
IDENTRUS, INC. (1)
7,734,924 System and method for transparently providing certificate validation and other services within an electronic transaction 0 2006
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (1)
7,096,003 Transaction security apparatus 109 2001
 
KONINKLIJKE KPN N.V. (1)
5,924,084 Method for tracing payment data in an anonymous payment system 22 1996
 
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
 
LUCENT TECHNOLOGIES INC. (1)
6,157,920 Executable digital cash for electronic commerce 139 1998
 
NCR CORPORATION (1)
7,219,083 Currency system 11 2001
 
NETDEPOSIT, LLC (1)
8,660,956 Method and system for processing financial instrument deposits physically remote from a financial institution 0 2011
 
NEXTCARD, LLC (1)
8,010,422 On-line balance transfers 12 2001
 
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
 
NOAH SYSTEMS, INC. (1)
7,822,657 Automated accounting system 3 2001
 
NOKIA CORPORATION (1)
8,041,388 Method for using applications in a mobile station, a mobile station, and a system for effecting payments 0 2005
 
Open Invention Network, LLP (1)
8,341,421 System and method for enrolling in a biometric system 1 2010
 
QUALCOMM Incorporated4 (1)
8,698,595 System and method for enhanced RFID instrument security 0 2012
 
RAWLLIN INTERNATIONAL INC. (1)
8,538,806 Systems and methods for establishing transactions utilizing a data store of billing information 0 2011
 
REGULATORY DATACORP INTERNATIONAL LLC (1)
8,762,191 Systems, methods, apparatus, and schema for storing, managing and retrieving information 0 2004
 
RIVERWOOD INTERNATIONAL CORPORATION (1)
7,143,284 ABDS method and verification status for authenticating entity access 11 2003
 
SANDIA NATIONAL LABORATORIES (1)
7,234,059 Anonymous authenticated communications 20 2002
 
SCITRAN INEORHERATED, INC. (1)
7,058,808 Method for making a blind RSA-signature and apparatus therefor 10 1999
 
SEAGATE TECHNOLOGY, INC. (1)
5,949,043 Electronic cashless system 54 1997
 
SEITRAN INCORPORATED, INC. (1)
6,859,795 Method for carrying out transactions and device for realizing the same 3 1999
 
Sintef Delab (1)
5,905,976 System of secured payment by the transfer of electronic money through an interbank network 42 1996
 
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
 
SMART VOUCHER LIMITED (1)
7,680,712 Electronic processing system 1 2005
 
SONY COMPUTER ENTERTAINMENT AMERICA LLC (1)
8,388,440 Network account linking 0 2003
 
SONY CORPORATION (1)
7,426,493 Electronic money system and electronic money terminal 2 2001
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 245 1998
 
SWISSCOM AG (1)
8,165,965 Transaction method with a mobile apparatus 2 2004
 
SWYCHCO INFRASTRUCTURE SERVICES PTY LTD. (1)
6,912,510 Methods of exchanging an obligation 66 2000
 
TALARIS HOLDINGS LIMITED (1)
7,765,135 Count and login management 0 2003
 
TECHNOLOGY RESEARCH GROUP LLC (1)
5,963,923 System and method for trading having a principal market maker 481 1997
 
Transactions Holdings Ltd., LLC (1)
8,543,507 Automated transaction machine 0 2007
 
UNISYS CORPORATION (1)
5,884,290 Method of transferring funds employing a three-node real-time electronic interlock 94 1996
 
WEBMONEY CORPORATION (1)
6,963,843 Electronic commerce system and recording medium 9 1998
 
XEROX CORPORATION (1)
6,073,160 Document communications controller 157 1996
 
Zowi.com, Inc (1)
6,173,269 Method and apparatus for executing electronic commercial transactions with minors 241 1999
 
ZYNGA INC. (1)
8,315,944 Apparatuses, methods and systems for a trackable virtual currencies platform 0 2011
 
Other [Check patent profile for assignment information] (22)
5,812,670 Traceable anonymous transactions 130 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 80 1996
6,026,163 Distributed split-key cryptosystem and applications 78 1996
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 190 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 110 1997
5,936,541 Method for securing information relevant to a transaction 92 1997
6,304,860 Automated debt payment system and method using ATM network 187 1997
8,892,475 Provision of authorization and other services 0 2006
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 2 2010
8,892,473 Method and system for subscription digital rights management 0 2012
8,684,265 Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds 0 2012
8,668,146 Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds 0 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