US Patent No: 5,699,528

Number of patents in Portfolio can not be more than 2000

System and method for bill delivery and payment over a communications network

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ATTORNEY / AGENT: (SPONSORED)
 

Importance

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Abstract

In a bill delivery and payment system, users are able to access a server computer on a communications network to obtain bill information and pay bills. For example, such a communications network may be the Internet or the World Wide Web thereof. Using a personal computer, a user can access a Web site provided by the server computer to view the bill information and instruct the server computer as to the details of the bill payment. In a second embodiment, without visiting the web site, users are provided with electronic bills containing bill information in the form of electronic mail (e-mail) at their e-mail addresses. After opening an electronic bill, a user can make the bill payment by replying to the electronic bill.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
MASTERCARD INTERNATIONAL INCORPORATEDPURCHASE, NY176

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hogan, Edward J Larchmont, NY 16 2006

Cited Art

Patent Info (Count) # Cites Year
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5,265,033 ATM/POS based electronic mail system 338 1991
5,473,143 ATM/POS based electronic mail system 271 1993
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 523 1991
 
CITIBANK, N.A. (1)
5,557,518 Trusted agents for open electronic commerce 720 1994
 
CURSYS, INC. (NOW CURRENCY SCIENTIFIC INC.) (1)
5,420,405 Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes 254 1993
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
5,532,920 Data processing system and method to enforce payment of royalties when copying softcopy books 373 1994
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1133 1989
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 326 1993
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1423 1986
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 697 1995
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
5,465,206 Electronic bill pay system 606 1993
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (2)
4,823,264 Electronic funds transfer system 478 1986
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 248 1994

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (157)
7,809,636 System and method for multicurrency and multibank processing over a non-secure network 0 1999
7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 0 2000
7,805,365 Automated statement presentation, adjustment and payment system and method therefor 14 2000
7,370,004 Personalized interactive network architecture 26 2000
7,068,832 Lockbox imaging system 26 2000
6,867,789 System and method for generating graphical user interfaces 15 2000
7,058,817 System and method for single sign on process for websites with multiple applications and services 37 2000
7,206,768 Electronic multiparty accounts receivable and accounts payable system 100 2000
7,747,866 System and method providing improved error detection related to transmission of data over a communication link 4 2000
8,015,084 System and method for linked account having sweep feature 0 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 43 2000
7,584,125 Electronic check presentment system and method having an item sequence capability 2 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 33 2000
8,417,628 Electronic bill presentment and payment system and method 0 2001
7,822,656 International banking system and method 1 2001
7,580,890 System and method for supervising account management operations 2 2001
7,246,263 System and method for portal infrastructure tracking 12 2001
7,103,576 System for providing cardless payment 9 2001
7,099,850 Methods for providing cardless payment 11 2001
8,285,641 System and method for selectable funding of electronic transactions 0 2001
8,438,086 System and method for providing customers with seamless entry to a remote server 0 2001
7,433,829 System and method for managing global risk 5 2001
7,512,566 System and method for using a stored value account having subaccount feature 5 2001
7,987,501 System and method for single session sign-on 1 2001
7,941,533 System and method for single sign-on session management without central server 2 2002
7,546,272 Trade receivable processing method and apparatus 15 2002
7,246,324 Method and system for data capture with hidden applets 10 2002
7,689,482 System and method for payer (buyer) defined electronic invoice exchange 13 2002
7,519,560 System and method for electronic authorization of batch checks 15 2002
7,437,327 Method and system for buyer centric dispute resolution in electronic payment system 23 2002
7,401,048 System and method for trade settlement tracking and relative ranking 39 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 55 2002
7,143,174 Method and system for delayed cookie transmission in a client-server architecture 3 2002
7,587,363 System and method for optimized funding of electronic transactions 54 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 9 2002
8,266,437 Electronic vouchers and a system and method for issuing the same 0 2002
7,809,641 System and method for funding a collective account 7 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 6 2002
7,689,504 System and method for establishing or modifying an account with user selectable terms 17 2002
7,165,049 Sponsor funded stored value card 63 2002
8,301,493 System and method for providing incentives to consumers to share information 0 2002
7,801,816 System and method for currency selectable stored value instrument 1 2003
7,627,521 System and method for processing mircotransactions 8 2003
7,676,431 Method and system for processing internet payments using the electronic funds transfer network 7 2003
7,428,531 Customer information management system and method 2 2003
8,239,304 Method and system for providing pre-approved targeted products 1 2003
7,769,650 Network-based sub-allocation systems and methods for swaps 12 2003
7,353,383 System and method for single session sign-on with cryptography 16 2003
7,899,753 Systems and methods for time variable financial authentication 2 2003
7,676,425 Method and system for providing flexible financing 13 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 1 2003
7,953,663 System and method for financial instrument pre-qualification and offering 3 2003
7,809,595 System and method for managing risks associated with outside service providers 3 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 24 2003
7,376,838 Method for controlled and audited access to privileged accounts on computer systems 6 2003
7,421,696 Methods and systems for managing successful completion of a network of processes 1 2004
8,190,893 Portable security transaction protocol 0 2004
8,290,862 Method and system for expediting payment delivery 0 2004
7,613,656 Coupon payment system 0 2004
7,707,111 Customer activated multi-value (CAM) card 20 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 23 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 14 2004
7,174,314 Debit purchasing of stored value card for use by and/or delivery to others 15 2004
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 36 2004
7,174,316 Debit purchasing of stored value card for use by and/or delivery to others 14 2004
7,174,317 Debit purchasing of stored value card for use by and/or delivery to others 29 2004
7,171,388 Debit purchasing of stored value card for use by and/or delivery to others 13 2004
7,983,468 Method and system for extracting information from documents by document segregation 0 2005
7,380,707 Method and system for credit card reimbursements for health care transactions 56 2005
7,756,896 System and method for multi-dimensional risk analysis 18 2005
7,360,686 Method and system for discovering significant subsets in collection of documents 1 2005
7,660,763 Customer activated multi-value (CAM) card 13 2005
7,263,507 Customer activated multi-value (CAM) card 30 2005
8,121,944 Method and system for facilitating network transaction processing 1 2005
7,676,409 Method and system for emulating a private label over an open network 22 2005
8,185,877 System and method for testing applications 5 2005
7,822,684 Personalized bank teller machine 4 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 44 2005
7,373,304 System and method for integrated customer management 1 2005
7,269,567 System and method for integrated customer management 2 2005
8,290,863 Method and system for expediting payment delivery 0 2005
7,801,799 Customer activated multi-value (CAM) card 2 2005
7,941,355 Universal payment protection 2 2006
7,783,578 System for providing cardless payment 1 2006
7,461,265 System and method for single sign on process for websites with multiple applications and services 10 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 15 2006
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 4 2006
7,591,416 Selectable multi-purpose card 27 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 15 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 15 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 2 2006
7,822,682 System and method for enhancing supply chain transactions 30 2006
7,260,549 Method and system for managing risk 17 2006
7,505,918 Method and system for managing risks 2 2006
7,317,823 Lockbox imaging system 41 2006
7,360,693 System and method for a card benefit program providing benefits to program members based on program performance 11 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 14 2006
7,406,426 System and method for integrated customer management 3 2006
7,660,764 Service charge adjustment platform 0 2006
7,801,814 System and method for selectable funding of electronic transactions 9 2006
7,734,545 Method and system for processing recurring payments 14 2006
8,301,529 Method and system for implementing effective governance of transactions between trading partners 0 2006
8,145,522 System and method for establishing or modifying an account with user selectable terms 0 2006
7,357,331 Selectable multi-purpose card 37 2006
7,366,698 Trade receivable processing method and apparatus 5 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 1 2006
8,296,160 System and method for integrated customer management 0 2006
7,603,283 Method and system for managing risk 3 2007
8,335,855 System and method for portal infrastructure tracking 0 2007
7,805,368 Debit purchasing of stored value card for use by and/or delivery to others 3 2007
8,185,940 System and method for providing discriminated content to network users 1 2007
7,818,253 Debit purchasing of stored value card for use by and/or delivery to others 3 2007
8,020,754 System and method for funding a collective account by use of an electronic tag 3 2007
7,685,013 System and method for automatic financial project management 5 2007
7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
8,417,601 Variable rate payment card 0 2007
7,471,818 Lockbox imaging system 22 2007
8,118,216 Method and system for discovering significant subsets in collection of documents 0 2007
8,033,451 System and method for funding a collective account by use of an electronic tag 0 2007
7,809,643 Debit purchasing of stored value card for use by and/or delivery to others 3 2007
7,680,735 Trade receivable processing method and apparatus 13 2007
7,949,574 Personalized interactive network architecture 0 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 14 2007
7,707,089 Method and system for automating fraud authorization strategies 4 2008
7,743,979 Method and system for credit card reimbursements for health care transactions 14 2008
7,660,765 System and method for processing microtransactions 6 2008
7,890,422 Multiple account advanced payment card and method of routing card transactions 9 2008
8,245,909 Method and system for implementing a card product with multiple customized relationships 1 2008
8,112,355 Method and system for buyer centric dispute resolution in electronic payment system 0 2008
8,391,584 Method and system for duplicate check detection 0 2008
7,668,363 Lockbox imaging system 14 2008
D602522 Transaction device 29 2008
8,321,682 System and method for generating and managing administrator passwords 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 3 2009
8,065,231 Trade receivable processing method and apparatus 0 2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers 0 2009
8,160,960 System and method for rapid updating of credit information 1 2009
8,386,381 Method and system for detecting, monitoring and addressing data compromises 0 2009
8,095,459 Method and system for providing flexible financing 1 2010
8,045,784 Lockbox imaging system 4 2010
8,170,936 Method and system for emulating a private label over an open network 0 2010
8,032,438 Method and system for automating fraud authorization strategies 0 2010
7,904,388 Method and system for processing recurring payments 0 2010
8,015,096 Network-based sub-allocation systems and methods for swaps 0 2010
8,160,942 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2010
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 0 2010
8,145,549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8,380,597 International banking system and method 0 2010
8,121,385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011
8,326,694 Personalized interactive network architecture 0 2011
8,244,625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2011
8,429,072 System and method for processing microtransactions 0 2011
8,429,069 System and method for processing microtransactions 0 2011
8,396,798 Method and system for facilitating network transaction processing 0 2012
D678653 Drive-up financial transaction machine 0 2012
 
THE WESTERN UNION COMPANY (57)
7,177,836 Method and system for facilitating financial transactions between consumers over the internet 98 1999
8,099,359 System and method for issuing negotiable instruments by licensed money transmitter from direct deposits 0 2000
7,516,100 Method and system for transferring money in business-to-business internet transactions 0 2000
7,165,052 Payment service method and system 14 2001
7,606,734 Wide area network person-to-person payment 5 2001
7,613,653 Money order debit from stored value fund 0 2001
7,398,252 Automated group payment 23 2001
7,249,098 Subscription-based payment 10 2001
8,412,627 Online funds transfer method 0 2001
8,041,606 Online purchasing method 0 2001
7,184,980 Online incremental payment method 21 2001
7,266,533 Electronic gift greeting 12 2001
7,158,955 Electronic identifier payment systems and methods 35 2001
7,596,529 Buttons for person to person payments 0 2002
7,107,249 Electronic identifier payment systems and methods 53 2002
7,096,205 Systems and methods for enrolling consumers in goods and services 7 2002
7,600,673 Systems and methods for performing transactions at a point-of-sale 4 2002
7,086,584 Systems and methods for configuring a point-of-sale system 33 2002
6,886,742 Systems and methods for deploying a point-of sale device 94 2002
6,827,260 Systems and methods for utilizing a point-of-sale system 105 2002
7,487,127 Merchant cash payment systems and methods 3 2002
7,130,817 Electronic gift linking 10 2002
7,571,140 Payment management 4 2002
8,374,962 Stored value payouts 0 2003
8,244,632 Automated transfer with stored value 0 2003
7,849,009 Methods and apparatus for mapping sources and uses of consumer funds 1 2003
7,827,101 Payment system clearing for transactions 1 2003
7,003,493 Direct payment with token 15 2003
7,003,479 Systems and methods for ordering and distributing incentive messages 9 2003
7,849,006 Online staging of auction settlement transactions 1 2003
7,184,989 Staged transactions systems and methods 11 2003
8,086,539 Value processing network and methods 0 2003
7,103,577 Systems and methods for staging transactions, payments and collections 14 2003
7,117,183 Airline ticket payment and reservation system and methods 13 2004
7,917,395 Wireless network access prepayment systems and methods 0 2004
7,641,109 Money transfer cards, systems and methods 2 2005
7,392,940 In-lane money transfer systems and methods 1 2005
7,778,903 Direct payment with token 0 2005
7,540,410 Point of sale payment terminal 0 2006
8,150,763 Systems and methods for staging transactions, payments and collections 0 2006
7,506,809 Systems and methods for configuring a point-of-sale system 1 2006
7,512,552 Electronic gift linking 6 2006
7,930,216 Method for making an online payment through a payment enabler system 0 2006
8,345,931 Biometric based authorization systems for electronic fund transfers 0 2006
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 1 2007
7,908,179 Electronic gift linking 1 2007
7,574,389 Method and system for transferring money in business-to-business internet transactions 0 2007
7,716,128 Electronic indentifier payment systems and methods 1 2007
7,753,267 In-lane money transfer systems and methods 1 2008
8,078,527 Methods and systems for actively optimizing a credit score and managing/reducing debt 1 2008
8,024,229 Wide area network person-to-person payment 1 2008
7,941,342 Wide area network person-to-person payment 0 2008
7,941,346 Wide area network person-to-person payment 0 2008
7,937,292 Wide area network person-to-person payment 5 2008
7,937,322 Method and system for transferring money in business-to-business internet transactions 0 2009
8,255,326 Method and apparatus for mapping sources and uses of consumer funds 0 2009
8,417,627 Methods and systems for actively optimizing a credit score and managing/reducing debt 0 2011
 
CHECKFREE CORPORATION (37)
7,296,004 Electronic bill payment system with merchant identification 8 1997
7,711,690 Dual source remittance processing 1 1998
6,055,567 Distributed data accessing technique 52 1998
6,289,322 Electronic bill processing 266 1998
6,334,116 Technique for centrally tracking transactions in an electronic billing system 44 1999
6,678,664 Cashless transactions without credit cards, debit cards or checks 72 1999
6,856,974 Electronic bill presentment technique with enhanced biller control 27 1999
7,392,223 Electronic billing with updateable electronic bill summary 8 1999
7,366,696 Electronic billing with flexible biller controlled electronic bill presentment 6 1999
7,240,031 Bill payment system and method with a master merchant database 16 2000
7,636,688 Electronic bill processing with multi-level bill information storage 4 2001
7,366,697 Electronic bill presentment with bill categorization 6 2001
7,120,602 Bill availability notification and billing information request 10 2001
7,107,244 Bill payment system and method with merchant information 19 2001
7,933,826 Check metaphor for electronic payment authorization 0 2001
7,853,524 Systems and methods for risk based determination of a form for crediting a payee on behalf of a payer 5 2001
7,490,063 Remittance payment processing with account scheming and/or validation 4 2002
7,251,656 Electronic payments using multiple unique payee identifiers 15 2002
8,332,317 Verification of a financial instrument allowing rules-based pre-acceptance use of the financial instrument 0 2002
7,526,448 Matching consumers with billers having bills available for electronic presentment 4 2002
7,395,243 Technique for presenting matched billers to a consumer 12 2002
8,073,773 Technique for identifying probable billers of a consumer 1 2003
7,930,248 Technique for calculating payee specific time to payment completion 7 2003
6,932,268 Dual mode credit card based payment technique 31 2003
8,010,424 Payment processing with payee risk management 0 2003
7,809,617 Payment processing with selection of a risk reduction technique 0 2003
7,702,583 Payment processing with selection of an electronic debiting option 31 2003
7,653,598 Payment processing with selection of a processing parameter 1 2003
7,657,484 Electronic bill presentment via a wide area communications network 4 2003
7,383,226 Integrated electronic bill presentment and risk based payment 19 2003
7,729,996 Reuse of an EBP account through alternate authentication 1 2004
7,778,901 Integrated electronic presentment and payment of bills by different entities 5 2005
7,606,787 Propagating data to facilitate electronic payments to payees 4 2005
7,644,036 Credit card supported electronic payments 3 2006
7,702,585 Methods and systems for the determination and display of payment lead time in an electronic payment system 4 2006
7,996,311 Remittance payment processing with account scheming and/or validation 0 2009
8,165,956 Bill availability notification and billing information request 0 2011
 
XATRA FUND MX, LLC (35)
7,239,226 System and method for payment using radio frequency identification in contact and contactless transactions 55 2002
7,249,112 System and method for assigning a funding source for a radio frequency identification device 44 2002
7,668,750 Securing RF transactions using a transactions counter 0 2004
7,268,667 Systems and methods for providing a RF transaction device operable to store multiple distinct accounts 11 2004
7,268,668 Systems and methods for managing multiple accounts on a RF transaction instrument 9 2004
7,360,689 Method and system for proffering multiple biometrics for use with a FOB 9 2004
7,303,120 System for biometric security using a FOB 43 2004
7,154,375 Biometric safeguard method with a fob 37 2004
7,121,471 Method and system for DNA recognition biometrics on a fob 22 2004
7,059,531 Method and system for smellprint recognition biometrics on a fob 13 2004
7,172,112 Public/private dual card system and method 41 2004
7,639,116 Converting account data associated with a radio frequency device 1 2004
7,725,427 Recurrent billing maintenance with radio frequency payment devices 0 2004
7,119,659 Systems and methods for providing a RF transaction device for use in a private label transaction 38 2004
7,493,288 RF payment via a mobile device 32 2004
7,228,155 System and method for remotely initializing a RF transaction 46 2004
7,705,732 Authenticating an RF transaction using a transaction counter 4 2004
7,312,707 System and method for authenticating a RF transaction using a transaction account routing number 35 2004
7,746,215 RF transactions using a wireless reader grid 1 2005
8,294,552 Facial scan biometrics on a payment device 0 2007
8,074,889 System for biometric security using a fob 2 2007
7,988,038 System for biometric security using a fob 0 2007
7,814,332 Voiceprint biometrics on a payment device 5 2007
7,637,434 Registering a biometric for radio frequency transactions 1 2007
7,578,448 Authorizing radio frequency transactions using a keystroke scan 1 2007
7,506,818 Biometrics for radio frequency payment transactions 8 2007
7,500,616 Authenticating fingerprints for radio frequency payment transactions 5 2007
8,289,136 Hand geometry biometrics on a payment device 0 2007
8,284,025 Method and system for auditory recognition biometrics on a FOB 0 2007
8,279,042 Iris scan biometrics on a payment device 0 2007
7,690,577 Registering a biometric for radio frequency transactions 1 2007
7,506,819 Biometric security using a fob 6 2007
RE43157 System and method for reassociating an account number to another transaction account 1 2008
7,886,157 Hand geometry recognition biometrics on a fob 0 2008
RE43460 Public/private dual card system and method 0 2009
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (30)
7,249,113 System and method for facilitating the handling of a dispute 3 2000
7,725,385 System and method for facilitating the handling of a dispute using disparate architectures 1 2003
8,429,041 Systems and methods for managing account information lifecycles 0 2003
7,306,158 Clear contactless card 4 2003
7,827,106 System and method for manufacturing a punch-out RFID transaction device 1 2003
7,925,535 System and method for securing RF transactions using a radio frequency identification device including a random number generator 1 2004
7,093,767 System and method for manufacturing a punch-out RFID transaction device 45 2004
7,070,112 Transparent transaction device 40 2004
7,542,942 System and method for securing sensitive information during completion of a transaction 8 2004
7,503,480 Method and system for tracking user performance 4 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 5 2004
7,768,379 Method and system for a travel-related multi-function fob 0 2004
7,762,457 System and method for dynamic fob synchronization and personalization 2 2004
7,587,756 Methods and apparatus for a secure proximity integrated circuit card transactions 3 2004
7,805,378 System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions 1 2004
7,996,324 Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia 0 2004
7,156,301 Foldable non-traditionally-sized RF transaction card system and method 31 2005
7,429,927 System and method for providing and RFID transaction device 3 2005
7,543,738 System and method for secure transactions manageable by a transaction account provider 11 2005
7,650,314 System and method for securing a recurrent billing transaction 0 2005
8,001,054 System and method for generating an unpredictable number using a seeded algorithm 2 2006
7,837,116 Transaction card 2 2007
7,494,058 Smartcard transaction method and system using voiceprint recognition 4 2007
7,694,876 Method and system for tracking user performance 1 2008
7,793,845 Smartcard transaction system and method 2 2009
8,332,310 System and method for facilitating the handling of a dispute using disparate architecture 0 2010
8,016,191 Smartcard transaction system and method 3 2010
8,266,056 System and method for manufacturing a punch-out RFID transaction device 0 2010
8,191,788 Transaction card 1 2010
 
SILVERBROOK RESEARCH PTY LTD (23)
7,721,948 Method and system for online payments 4 2000
7,707,082 Method and system for bill management 6 2000
7,593,899 Method and system for online payments 0 2000
7,451,115 Method and system for online payments using processing sensor 2 2002
7,222,098 Method and system for online payments using sensor with identifier 3 2002
8,113,950 Competition entry with limited return messaging 1 2004
7,832,626 Anonymous competition entry 0 2004
7,703,693 Anonymous communication 6 2004
7,857,201 Method and system for selection 2 2006
7,821,507 Method of providing information via a printed substrate and two-mode sensing device 1 2007
7,793,824 System for enabling access to information 0 2007
7,762,453 Method of providing information via a printed substrate with every interaction 6 2007
7,760,969 Method of providing information via context searching from a printed substrate 5 2007
7,832,630 Method and arrangement in a digital communication system 0 2007
7,891,547 Method for initiating payment of bill 0 2008
7,918,405 System for anonymous communication via interactive surface 0 2010
7,895,107 Method of interacting with printed form 1 2010
8,100,329 Method of interacting with printed substrate 2 2010
8,328,088 System for providing information via context searching of printed substrate 0 2010
8,028,894 System for providing information to user with every interaction with printed substrate 0 2010
8,001,028 Method of interacting with printed substrate 0 2011
8,322,607 Method of interacting with substrate in cursor and hyperlinking modes 0 2011
8,112,339 Optically imaging pen configured for calculating accurate nib positions 0 2011
 
METABANK (22)
8,306,912 Private label promotion card system, program product, and associated computer-implemented methods 0 2008
8,244,611 Private label promotion card system, program product, and associated computer-implemented methods 6 2008
8,108,279 Computer-implemented methods, program product, and system to enhance banking terms over time 13 2008
8,150,764 System, program product, and method to authorize draw for retailer optimization 9 2009
8,175,972 Pre-paid card transaction computer to load a loan on a pre-paid card 0 2009
8,175,962 Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products 1 2009
8,371,502 Shopping center gift card offer fulfillment machine, program product, and associated methods 0 2009
8,108,977 Machine, methods, and program product for electronic order entry 12 2009
8,286,863 System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods 0 2010
8,341,021 System, program product, and method for debit card and checking account autodraw 0 2010
8,290,853 System, method, and program product for foreign currency travel account 0 2011
8,103,549 System, program product, and associated methods to autodraw for micro-credit attached to prepaid card 12 2011
8,392,299 Transfer account systems, computer program products, and associated computer-implemented methods 0 2011
8,392,330 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account 0 2011
8,260,678 Machine, methods, and program product for electronic order entry 0 2011
8,214,286 Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products 6 2011
8,190,480 System, non-transitory memory with computer program, and associated methods for micro-credit to prepaid cards 0 2012
8,244,637 Pre-paid card transaction computer to load a loan on a pre-paid card 6 2012
8,386,375 System, method, and program product for foreign currency travel account 0 2012
8,266,047 System, method, and program product for foreign currency travel account 0 2012
8,296,227 Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products 0 2012
8,301,557 System, program product, and method to authorized draw for retailer optimization 0 2012
 
FIRST DATA CORPORATION (17)
6,246,999 Financial services account manager system 22 1998
6,141,651 Funding and settlement integrated suspense processing system 119 1998
7,593,898 Method and system for payment transactions and shipment tracking over the internet 24 1999
8,370,205 System for activation of multiple cards 0 2003
7,707,110 System and method for conducting transactions with different forms of payment 1 2004
7,831,519 Methods and systems for electromagnetic initiation of secure transactions 0 2004
7,463,946 Mail handling equipment and methods 3 2005
7,822,640 Multi-card bulk package identifying activation systems and methods 0 2006
7,587,342 Method for requesting and receiving an online payment through a payment enabler system 0 2006
8,315,929 Online incremental payment method 0 2007
7,797,235 On-line cash register to use in providing a consumer-to-consumer payment service 0 2007
7,765,148 Method and system for facilitating payment of an online auction transaction 4 2007
7,783,571 ATM system for receiving cash deposits from non-networked clients 28 2007
7,813,982 Unit-based prepaid presentation instrument accounts and methods 1 2007
7,610,222 Method for providing a money transfer service through a payment enabler system 6 2007
8,095,113 Onetime passwords for smart chip cards 0 2009
8,346,611 Systems and methods for pre-paid futures procurement 0 2009
 
USA TECHNOLOGIES, INC. (16)
6,609,102 Universal interactive advertizing and payment system for public access electronic commerce and business related products and services 23 1999
6,604,085 Universal interactive advertising and payment system network for public access electronic commerce and business related products and services 59 1999
6,604,086 Electronic commerce terminal connected to a vending machine operable as a telephone 34 1999
6,601,037 System and method of processing credit card, e-commerce, and e-business transactions without the merchant incurring transaction processing fees or charges worldwide 27 1999
6,615,183 Method of warehousing user data entered at an electronic commerce terminal 44 1999
6,604,087 Vending access to the internet, business application software, e-commerce, and e-business in a hotel room 31 1999
6,609,103 Electronic commerce terminal for facilitating incentive-based purchasing on transportation vehicles 19 1999
7,089,209 Method for revaluing a phone card 11 2000
6,629,080 Transaction processing method of fulfilling an electronic commerce transaction by an electronic commerce terminal system 15 2000
6,807,532 Method of soliciting a user to input survey data at an electronic commerce terminal 35 2000
6,763,336 METHOD OF TRANSACTING AN ELECTRONIC MAIL, AN ELECTRONIC COMMERCE, AND AN ELECTRONIC BUSINESS TRANSACTION BY AN ELECTRONIC COMMERCE TERMINAL USING A WIRELESSLY NETWORKED PLURALITY OF PORTABLE DIGITAL DEVICES 41 2000
6,684,197 Method for revaluing a private label card using an electronic commerce terminal 14 2000
6,643,623 Method of transacting an electronic mail, an electronic commerce, and an electronic business transaction by an electronic commerce terminal using a gas pump 8 2000
6,622,124 Method of transacting an electronic mail, an electronic commerce, and an electronic business transaction by an electronic commerce terminal operated on a transportation vehicle 32 2000
6,606,605 Method to obtain customer specific data for public access electronic commerce services 36 2000
7,805,338 Method of constructing a digital content play list for transmission and presentation on a public access electronic terminal 1 2002
 
ACS STATE & LOCAL SOLUTIONS, INC. (15)
5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 100 1997
6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 126 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 54 1998
7,225,155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 51 1999
7,809,638 Methods and apparatus for child support payment processing and child support disbursement processing 0 2001
7,752,131 Methods and apparatus for child support payment processing and child support disbursement processing 0 2001
7,739,195 Apparatus and methods for providing a payment system over a network 0 2002
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 50 2002
7,788,173 Methods and apparatus for child support payment processing and child support disbursement processing by a processing entity 0 2003
7,720,797 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 1 2006
7,877,423 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 0 2009
8,015,111 Apparatus and methods for providing a payment system over a network 0 2010
8,392,326 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 0 2010
8,229,978 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 2010
8,386,385 Apparatus and methods for providing a payment system over a network 0 2011
 
TRANSACTION HOLDINGS LTD, L.L.C. (15)
6,945,457 Automated transaction machine 54 1997
8,132,714 Automated transaction machine 0 2007
8,132,715 Automated transaction machine 1 2007
7,837,101 Automated transaction machine 3 2007
7,802,718 Automated transaction machine 3 2007
7,793,830 Automated transaction machine 3 2007
7,699,220 Automated transaction machine 4 2007
7,621,444 Automated transaction machine 5 2007
7,617,973 Automated transaction machine 3 2007
7,600,677 Automated transaction machine 3 2007
7,597,251 Automated transaction machine 3 2007
7,597,248 Automated transaction machine 3 2007
7,591,420 Automated transaction machine 4 2007
7,575,158 Automated transaction machine 4 2007
7,571,850 Automated transaction machine 5 2007
 
VERIZON BUSINESS GLOBAL LLC (14)
7,225,249 Integrated systems for providing communications network management services and interactive generating invoice documents 124 1998
6,745,229 Web based integrated customer interface for invoice reporting 72 1998
6,615,258 Integrated customer interface for web based data management 262 1998
6,611,498 Integrated customer web station for web based call management 107 1998
6,473,407 Integrated proxy interface for web based alarm management tools 60 1998
6,763,376 Integrated customer interface system for communications network management 17 1998
6,904,276 Apparatus and method for managing call billing records 37 1999
7,881,962 Early-payment discount for E-billing system 0 2001
7,216,104 Disallow payment for E-billing system 1 2001
7,308,434 Account management tool for e-billing system 1 2001
6,956,845 Integrated customer web station for web based call management 20 2001
8,073,777 Integrated business systems for web based telecommunications management 6 2005
7,236,486 Integrated customer web station for web based call management 2 2005
8,121,894 Early-payment discount for e-billing system 0 2010
 
REDBOX AUTOMATED RETAIL, LLC (13)
7,797,077 System and method for managing vending inventory 7 2006
7,747,346 System and method for regulating vendible media products 8 2006
7,499,768 System and method for offline vending of a media product 12 2006
7,447,605 System and method for calibrating a vending apparatus 7 2006
7,366,586 System and method for communicating vending information 19 2006
7,584,869 Article dispensing system and method for same 8 2007
7,853,354 System and method for communicating vending information 6 2008
7,787,987 System and method for communicating vending information 6 2008
7,988,049 System and method for calibrating a vending apparatus 3 2008
8,060,247 System and method for communicating secondary vending options 0 2009
8,412,374 System and method for communicating vending information 0 2010
8,155,784 System and method for regulating vendible media products 0 2010
8,417,380 System and method for communicating vending information 0 2010
 
YODLEE.COM, INC. (13)
6,871,220 System and method for distributed storage and retrieval of personal information 132 1999
6,567,850 System and method for determining revenue from an intermediary derived from servicing data requests 74 1999
6,405,245 System and method for automated access to personal information 59 1999
6,317,783 Apparatus and methods for automated aggregation and delivery of and transactions involving electronic personal information or data 163 1999
8,069,407 Method and apparatus for detecting changes in websites and reporting results to web developers for navigation template repair purposes 1 2000
7,672,879 Interactive activity interface for managing personal data and performing transactions over a data packet network 4 2000
7,937,325 Interactive bill payment center 1 2001
8,417,644 Method and system for network transaction management 0 2005
7,752,535 Categorization of summarized information 2 2005
8,190,629 Network-based bookmark management and web-summary system 0 2006
8,261,334 System for performing web authentication of a user by proxy 0 2008
7,933,834 Interactive bill payment center 0 2009
7,856,386 Host exchange in bill paying services 3 2009
 
DIEBOLD, INCORPORATED (12)
6,470,326 Automated banking machine apparatus and system 18 1998
6,334,117 Automated banking machine and system 51 1998
7,162,449 Automated banking machine apparatus and system 1 2001
7,644,040 Automated banking machine and system 2 2001
6,839,688 Method of using an automated banking machine 15 2002
6,973,443 Automated banking machine apparatus and system 8 2002
6,965,879 Automated banking machine system using plural communication formats 1 2002
7,251,631 Automated banking machine system using internet address customer input 1 2003
7,689,509 Method of using an automated banking machine 0 2004
7,590,598 Automated banking machine with record accessibility pre-check 0 2004
7,699,219 Automated banking machine apparatus and system 0 2005
7,333,954 Automated banking machine and system 0 2005
 
MICROSOFT CORPORATION (11)
6,070,150 Electronic bill presentment and payment system 343 1996
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 277 1997
6,304,857 Distributed electronic billing system with gateway interfacing biller and service center 99 1998
6,968,319 Electronic bill presentment and payment system with bill dispute capabilities 38 1999
6,839,687 Consumer-based system and method for managing and paying electronic billing statements 26 1999
7,822,683 System and method for secure third-party development and hosting within a financial services network 0 2000
7,516,101 Electronic bill presentment and payment system with bill dispute capabilities 4 2004
7,478,066 Electronic bill presentment and payment system 4 2004
7,620,602 System and method for secure third-party development and hosting within a financial services network 0 2004
7,636,689 Consumer-based system and method for managing and paying electronic billing statements 4 2004
7,610,245 Consumer-based system and method for managing and paying electronic billing statements 4 2004
 
VISA INTERNATIONAL SERVICE ASSOCIATION (10)
6,285,991 Secure interactive electronic account statement delivery system 198 1996
5,963,925 Electronic statement presentment system 318 1997
6,385,595 Electronic statement presentment system 68 1999
7,451,114 Conducting commerce between individuals 39 1999
7,499,886 Conducting commerce between individuals with integrated shipping 22 2003
7,711,639 Pre-funding system and method 3 2005
8,335,745 Method and system for processing micropayment transactions 0 2007
7,921,038 Conducting commerce between individuals 3 2008
8,036,985 Pre-funding system and method 0 2010
8,280,788 Peer-to-peer and group financial management systems and methods 0 2010
 
CHECKFREE SERVICES CORPORATION (9)
6,327,577 Electronic bill payment system with account-number scheming 31 1997
6,363,362 Technique for integrating electronic accounting systems with an electronic payment system 87 1999
7,792,749 Dynamic biller list generation 3 2000
7,302,411 Electronic Billing with required viewing of supplemental information 8 2001
7,953,660 Method and system for payment processing 0 2001
7,502,749 Method and system for making a monetary gift 3 2001
7,788,172 Inter-network electronic billing 1 2001
7,177,846 Technique for account authentication 14 2002
7,660,766 Technique for information flow to payees 2 2003
 
MULTOS LIMITED (9)
7,689,826 Flexibly loading a tamper resistant module 3 2007
7,584,358 Tamper resistant module certification authority 3 2007
7,734,923 Key transformation unit for a tamper resistant module 4 2007
7,523,495 Methods and systems for IC card application loading 2 2007
7,730,311 Key transformation unit for a tamper resistant module 4 2007
7,707,408 Key transformation unit for a tamper resistant module 4 2007
7,669,055 Key transformation unit for a tamper resistant module 5 2007
7,730,312 Tamper resistant module certification authority 3 2007
7,702,908 Tamper resistant module certification authority 3 2007
 
SERVE VIRTUAL ENTERPRISES, INC. (9)
8,083,134 System and method for new execution and management of financial and data transactions 0 2006
7,909,246 System and method for establishment of rules governing child accounts 3 2006
7,617,972 System and method for disputing individual items that are the subject of a transaction 1 2006
7,614,549 System and method for immediate issuance of transaction cards 2 2006
7,578,438 System and method for user selection of fraud detection rules 3 2006
8,061,597 System and method for disputing individual items that are the subject of a transaction 1 2009
8,413,896 System and method for new execution and management of financial and data transactions 0 2010
8,127,987 System and method for disputing individual items that are the subject of a transaction 0 2011
8,272,567 System and method for disputing individual items that are the subject of a transaction 0 2012
 
VERIZON SERVICES CORP. (9)
6,839,340 Network session management 29 1997
7,817,619 Internet long distance telephone service 5 2000
7,486,660 Transport of caller identification information through diverse communication networks 0 2001
7,830,860 Packet data network voice call quality monitoring 2 2003
7,664,097 Telephone service via networking 8 2004
7,948,968 Network session management 19 2004
7,813,332 Voice call alternative routing through PSTN and internet networks 2 2005
7,483,417 Telephony communication via varied redundant networks 1 2006
8,379,531 Telephony communication via varied redundant networks 0 2008
 
WORLDCOM, INC. (9)
6,714,979 Data warehousing infrastructure for web based reporting tool 121 1998
6,631,402 Integrated proxy interface for web based report requester tool set 90 1998
6,587,836 Authentication and entitlement for users of web based data management programs 57 1998
6,515,968 Integrated interface for real time web based viewing of telecommunications network call traffic 68 1998
6,490,620 Integrated proxy interface for web based broadband telecommunications management 79 1998
6,470,386 Integrated proxy interface for web based telecommunications management tools 110 1998
6,385,644 Multi-threaded web based user inbox for report management 76 1998
6,381,644 Integrated proxy interface for web based telecommunications network management 53 1998
6,377,993 Integrated proxy interface for web based data management reports 170 1998
 
PITNEY BOWES INC. (8)
6,343,327 System and method for electronic and physical mass mailing 21 1997
6,725,429 System and method for presenting and processing documents on the internet 8 1998
6,483,599 System and method for separating a print stream into an electronic document print stream and a physical document print stream 9 1998
6,829,591 Router instruction processor for a digital document delivery system 8 1999
7,962,410 Customizable software agents in an electronic bill presentment and payment system 1 2002
7,937,323 Data source independent interface for an electronic bill presentment and payment system 1 2002
8,352,365 System and method for electronic bill presentment using a third party 0 2004
8,396,797 Data source independent interface for an electronic bill presentment and payment system 0 2011
 
VISA U.S.A. INC. (8)
7,822,679 Method and system for conducting a commercial transaction between a buyer and a seller 2 2001
7,356,516 Method and system for facilitating electronic dispute resolution 26 2002
7,280,981 Method and system for facilitating payment transactions using access devices 26 2002
7,571,141 Method and system for facilitating payment transactions using access devices 2 2007
7,657,441 Method and system for facilitating electronic dispute resolution 4 2007
8,010,453 Method and system for facilitating payment transactions using access devices 0 2007
7,711,621 Method and system for facilitating payment transactions using access devices 7 2007
7,827,108 System and method of validating a relationship between a user and a user account at a financial institution 0 2008
 
EBAY INC. (6)
5,832,460 Method and system for bill presentation and payment reconciliation 267 1995
7,499,875 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 14 2000
8,175,938 Method and system for facilitating merchant-initiated online payments 0 2004
7,899,712 Method and apparatus for facilitating online payment transactions in a network-based transaction facility 3 2006
7,860,772 Funding on-line accounts 0 2008
8,255,325 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 0 2009
 
METAVANTE CORPORATION (6)
6,934,691 System and method for managing mail/bills through a central location 14 1999
8,165,958 Electronic bill presentation and payment method and system 0 1999
7,848,972 Electronic bill presentment and payment systems and processes 3 2000
7,945,491 Integrated systems for electronic bill presentment and payment 0 2000
7,734,543 Electronic bill presentment and payment system 0 2001
7,370,014 Electronic bill presentment and payment system that obtains user bill information from biller web sites 2 2001
 
MONDEX INTERNATIONAL LIMITED (6)
6,220,510 Multi-application IC card with delegation feature 133 1998
6,164,549 IC card with shell feature 44 1998
6,328,217 Integrated circuit card with application history list 10 1998
6,742,120 System and method for controlling access to computer code in an IC card 70 1998
6,736,325 Codelets 4 1999
6,761,319 Configuration of IC card 9 2001
 
STEPNEXUS HOLDINGS, A CAYMAN ISLAND EXEMPTED LIMITED COMPANY (6)
6,575,372 Secure multi-application IC card system having selective loading and deleting capability 16 1998
6,385,723 Key transformation unit for an IC card 55 1998
6,488,211 System and method for flexibly loading in IC card 14 1998
7,469,339 Secure multiple application card system and process 4 2001
6,659,354 Secure multi-application IC card system having selective loading and deleting capability 8 2001
6,742,715 System and method for flexibly loading an IC card 9 2002
 
AFTERBOT, INC. (5)
7,552,087 Electronic transaction receipt system and method 13 2001
7,742,989 Digital receipt generation from information electronically read from product 9 2002
8,165,960 System and method for automatically registering a product 0 2010
8,112,356 System and method for providing automated secondary purchase opportunities to consumers 0 2010
8,001,046 System and methods for automating product returns 0 2010
 
CITIBANK, N.A. (5)
6,081,790 System and method for secure presentment and payment over open networks 215 1998
7,254,557 Financial services payment vehicle and method 33 1999
7,739,168 Transfer instrument 2 2006
8,060,426 Transfer instrument 0 2010
8,392,306 Transfer instrument 0 2011
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (5)
7,146,327 Electronic publication distribution method and system 5 1996
5,850,520 Method and system for electronic publication distribution including return receipt 92 1996
6,505,164 Method and apparatus for secure vendor access to accounts payable information over the internet 8 1997
6,324,525 Settlement of aggregated electronic transactions over a network 201 1998
7,124,090 Electronic publication distribution method and system 3 1999
 
INTUIT INC. (5)
6,446,048 Web-based entry of financial transaction information and subsequent download of such information 50 1999
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 35 2000
7,729,959 Web-based entry of financial transaction information and subsequent download of such information 9 2002
7,756,787 Bill payment optimization using a genetic algorithm 0 2004
7,720,760 Consumer-directed financial transfers using automated clearinghouse networks 4 2008
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (5)
5,903,830 Transaction security apparatus and method 217 1997
5,878,337 Transaction security apparatus and method 165 1997
6,047,270 Apparatus and method for providing account security 81 1997
6,529,725 Transaction security apparatus and method 91 1998
7,096,003 Transaction security apparatus 46 2001
 
THE PNC FINANCIAL SERVICES GROUP, INC. (5)
7,729,963 Methods and systems for processing and communicating financial transaction data 2 2001
7,937,302 Methods and systems for monitoring, analyzing and reporting information in association with collateralized financial instruments 1 2002
7,937,305 Methods and systems for analyzing the status of an entity and its financial transactions 0 2007
8,024,243 Methods and systems for processing and communicating financial transaction data 0 2010
7,996,293 Methods and systems for monitoring, analyzing and reporting information in association with collateralized financial instruments 0 2010
 
AUCTNYC 13 LLC (4)
7,107,225 Business system 14 1999
7,769,631 Business systems with price guarantee and display 0 2005
7,606,731 Price guarantee methods and systems 9 2006
8,423,403 Price guarantee methods and systems 0 2009
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (4)
6,882,984 Credit instrument and system with automated payment of club, merchant, and service provider fees 6 1999
7,072,864 Customer activated multi-value (CAM) card 79 2003
7,086,586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 10 2004
7,051,925 System and method for funding a collective account by use of an electronic tag 85 2004
 
CAPITAL ONE FINANCIAL CORPORATION (4)
7,039,167 Call routing system and method 0 2002
7,591,419 User selectable functionality facilitator 2 2006
8,162,208 Systems and methods for user identification string generation for selection of a function 0 2009
8,157,165 User selectable functionality facilitator 0 2009
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (4)
6,493,685 Electronic account presentation and response system and method 236 1999
7,089,279 Method and system for collaborating among interconnected client terminals 7 1999
7,509,288 Invoice processing system 1 2001
7,519,666 Data transmission and reception system with accurate time information 1 2001
 
UNITED BUSINESS MEDIA LLC (4)
6,708,327 System for accessing and testing evaluation modules via a global computer network 12 1999
7,444,256 System and method for testing hardware or software modules via a computer network 1 2003
7,984,428 Methods and systems for testing evaluation modules 0 2004
7,761,259 Methods and systems for testing evaluation modules 0 2004
 
ACCENTURE GLOBAL SERVICES LIMITED (3)
7,814,011 System for calculating a support payment in a network-based child support framework 0 2000
7,716,059 Network-based child support framework 0 2000
8,065,159 System, method and article of manufacture for a network-based child support framework 0 2010
 
ALOFT MEDIA, LLC (3)
7,970,722 System, method and computer program product for a collaborative decision platform 0 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 10 2010
 
CHASE BANK USA, NATIONAL ASSOCIATION (3)
7,426,530 System and method for providing customers with seamless entry to a remote server 22 2000
7,756,816 System and method for network-based project management 0 2005
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 9 2008
 
CITRIX SYSTEMS, INC. (3)
7,890,996 Using statistical analysis to generate exception rules that allow legitimate messages to pass through application proxies and gateways 2 2004
7,774,834 Rule generalization for web application entry point modeling 0 2004
8,261,340 Using statistical analysis to generate exception rules that allow legitimate messages to pass through application proxies and gateways 0 2010
 
CLEARING HOUSE PAYMENTS COMPANY L.L.C., THE (3)
6,173,272 Electronic funds transfer method and system and bill presentment method and system 182 1998
6,317,745 Trusted third party data structure for electronic funds transfer and bill presentment 106 2000
7,979,348 Payment identification code and payment system using the same 1 2003
 
CUSTOMER COMMUNICATIONS GROUP, INC. (3)
7,865,395 Media content notification via communications network 4 2003
7,529,725 World wide web registration information processing system 2 2005
7,412,434 World wide web registration information processing system 7 2005
 
DDR HOLDINGS, LLC (3)
6,629,135 Affiliate commerce system and method 103 1999
6,993,572 System and method for facilitating internet commerce with outsourced websites 23 2003
7,818,399 Methods of expanding commercial opportunities for internet websites through coordinated offsite marketing 9 2006
 
GLOBYS, INC. (3)
7,996,310 Electronic financial management and analysis system and related methods 0 2000
7,711,606 Method and computer readable medium for assisting a customer in choosing among commodities 1 2005
7,774,271 Electronic financial management and analysis system and related methods 2 2006
 
GUARDTIME IP HOLDINGS LIMITED (3)
7,698,557 System and method for generating a digital certificate 4 2004
8,347,372 System and method for generating a digital certificate 0 2010
8,312,528 System and method for generating a digital certificate 0 2010
 
LIMNIA, INC. (3)
7,169,489 Hydrogen storage, distribution, and recovery system 50 2002
7,011,768 Methods for hydrogen storage using doped alanate compositions 9 2003
7,279,222 Solid-state hydrogen storage systems 5 2004
 
MASTERCARD INTERNATIONAL INCORPORATED (3)
7,756,786 Method and system for processing messages in a bill payment and presentment system over a communications network 1 2001
7,146,344 Method and system for making small payments using a payment card 21 2002
8,027,890 Methods and systems for processing a financial transaction 1 2008
 
QUALCOMM INCORPORATED (3)
8,160,959 Methods and systems for payment transactions in a mobile environment 1 2006
8,145,568 Methods and systems for indicating a payment in a mobile environment 0 2006
8,121,945 Methods and systems for payment method selection by a payee in a mobile environment 1 2006
 
ROUND ROCK RESEARCH, LLC (3)
7,580,887 Method and apparatus for facilitating purchase transactions across a network 0 2000
7,904,387 Method and system for facilitating purchase transactions across a network 0 2009
8,392,329 Method and apparatus for facilitating purchase transactions across a network 0 2011
 
SONY CORPORATION (3)
7,412,423 Charging system and charging method 0 1997
7,668,778 Charging system and charging method 0 2001
7,603,313 Charging system and charging method 1 2001
 
SUN MICROSYSTEMS, INC. (3)
5,884,288 Method and system for electronic bill payment 281 1996
7,752,130 Methods and systems for delivery of information upon enrollment in an internet bill presentment and payment environment 1 2001
6,970,862 Method and system for answering online certificate status protocol (OCSP) requests without certificate revocation lists (CRL) 37 2001
 
SYNCADA LLC (3)
8,396,811 Validation approach for auditing a vendor-based transaction 0 2000
8,392,285 Multi-supplier transaction and payment programmed processing approach with at least one supplier 0 2005
8,266,024 Transaction accounting auditing approach and system therefor 0 2009
 
UPAID SYSTEMS, LTD. (3)
7,248,855 Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account 19 2002
6,714,632 Enhanced communication platform and related communication method using the platform 12 2002
7,308,087 Enhanced communication platform and related communication method using the platform 6 2003
 
VERIZON COMMUNICATIONS INC. (3)
6,598,167 Secure customer interface for web based data management 101 1998
6,968,571 Secure customer interface for web based data management 22 2003
7,814,533 Secure customer interface for Web based data management 2 2005
 
WALKER DIGITAL, LLC (3)
6,336,104 Method and apparatus for providing and processing installment plans at a terminal 62 1999
7,895,100 Method and apparatus for providing and processing installment plans at a terminal 1 2006
8,121,922 Method and apparatus for providing and processing installment plans at a terminal 0 2011
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (3)
7,333,953 Method and apparatus for integrated payments processing and decisioning for internet transactions 19 2000
8,145,567 Transaction ID system and process 0 2005
8,204,826 Method and apparatus for integrated payments processing and decisioning for internet transactions 1 2007
 
ACCENT.COM, INC. (2)
7,685,067 Computer-assisted funds transfer system 19 1999
7,194,437 Computer-based funds transfer system 62 1999
 
AMAZON TECHNOLOGIES, INC. (2)
7,689,487 Computer-assisted funds transfer system 3 2007
8,296,231 Network accessible funds transfer system 0 2009
 
AT&T CORP. (2)
6,058,250 Bifurcated transaction system in which nonsensitive information is exchanged using a public network connection and sensitive information is exchanged after automatically configuring a private network connection 74 1996
6,823,318 Secure purchases over a computer network 20 1998
 
BELL AND HOWELL, LLC (2)
6,157,924 Systems, methods, and computer program products for delivering information in a preferred medium 173 1997
6,701,315 Systems, methods, and computer program products for delivering information in a preferred medium 36 2000
 
CSG SYSTEMS, INC. (2)
6,144,726 Telecommunications access cost management system 46 1998
6,032,132 Telecommunications access cost management system 83 1998
 
EPOSTAL SERVICES, INC. (2)
7,502,828 Messaging and document management system and method 5 2004
7,627,640 Messaging and document management system and method 5 2006
 
FISERV, INC. (2)
8,244,646 Systems and methods for determining estimated lead times 1 2009
8,433,659 Systems and methods for determining estimated lead times 0 2012
 
MCI, INC. (2)
6,606,708 Secure server architecture for Web based data management 159 1998
7,114,083 Secure server architecture for web based data management 14 2003
 
MIDLAND LOAN SERVICES, INC. (2)
7,415,471 Methods and systems for automated data collection and analysis for use in association with asset securitization 11 2001
7,860,781 Methods and systems for asset/loan management and processing 1 2003
 
NCR CORPORATION (2)
6,832,212 Method and apparatus for manipulating billing and payment information within a browser interface system 4 1997
6,575,359 System of automated teller machines 4 1999
 
ORACLE INTERNATIONAL CORPORATION (2)
6,578,015 Methods, devices and systems for electronic bill presentment and payment 112 1999
7,181,420 Methods and systems for online self-service receivables management and automated online receivables dispute resolution 4 2001
 
PRISM TECHNOLOGIES LLC (2)
7,865,738 Authentication token 3 2002
8,375,212 Method for personalizing an authentication token 0 2010
 
SONY ELECTRONICS INC. (2)
6,442,593 Methods and apparatus for transmitting prioritized electronic mail messages 20 1999
7,490,129 Methods and apparatus for transmitting prioritized electronic mail messages 0 2004
 
U.S. BANCORP LICENSING, INC. (2)
7,702,577 System and method for conversion of initial transaction to final transaction 5 2004
7,702,553 System and method for conversion of initial transaction to final transaction 2 2008
 
VANTIV, LLC (2)
5,956,700 System and method for paying bills and other obligations including selective payor and payee controls 261 1997
6,996,542 System and method for paying bills and other obligations including selective payor and payee controls 34 1999
 
VERTICALONE CORPORATION (2)
7,765,279 System and method for scheduling harvesting of personal information 4 1999
7,552,190 System and method for automated electronic notification and transaction execution 6 1999
 
WESTERN UNION FINANCIAL SERVICES, INC. (2)
7,949,600 Method for facilitating payment of a computerized transaction 0 2000
7,376,587 Method for enabling transfer of funds through a computer network 30 2000
 
ACACIA RESEARCH GROUP LLC (1)
8,271,467 Worldwide web registration information processing system 2008
 
ACXSYS CORPORATION (1)
7,844,546 Online payment transfer and identity management system and method 8 2002
 
ADVENTURE GALLERY SOFTWARE LIMITED LIABILITY COMPANY (1)
5,986,651 Method, system, and article of manufacture for producing a network navigation device 144 1996
 
AMEREN CORPORATION (1)
6,327,541 Electronic energy management system 63 1998
 
APOLLO ENTERPRISE SOLUTIONS, INC. (1)
7,818,229 Method for future payment transactions 2 2006
 
ATCOM (1)
6,625,645 Automatic static to dynamic IP address and DNS address management for remote communications network access 31 2001
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 327 1997
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (1)
7,006,994 Automated receivables management system 24 1999
 
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
 
CHASE MANHATTAN BANK, THE (1)
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 303 2000
 
CISCO TECHNOLOGY, INC. (1)
5,987,430 Communications network connection system and method 126 1997
 
COLLEGENET, INC. (1)
7,376,891 Universal forms engine 16 2003
 
DEUTSCHE TELEKOM AG (1)
7,194,440 Billing method using SSL/TLS 0 2001
 
DISCOUNT LABELS, LLC (1)
6,535,294 System and method for preparing customized printed products over a communications network 101 1998
 
ECOVA, INC. (1)
6,035,285 Electronic bill presenting methods and bill consolidating methods 177 1999
 
EMERGIS TECHNOLOGIES, INC. (1)
7,702,579 Interactive invoicer interface 1 2000
 
ENGLEBIENNE, GUILBERT (1)
6,084,953 Internet assisted return call 46 1998
 
FEXCO (1)
7,458,507 ATM machine and methods with currency conversion capabilities 14 2007
 
FIRENSITI II CONSULTING LLC (1)
6,298,335 Method of controlling payment of debts 58 1998
 
FIRETHORN MOBILE, INC. (1)
8,073,769 Methods and systems for payment transactions in a mobile environment 0 2006
 
FIRST DATA MERCHANT SERVICES (1)
7,219,832 ATM machine and methods with currency conversion capabilities 6 2005
 
FIST DATA CORPORATION (1)
6,922,673 Systems and methods for ordering and distributing incentive messages 44 2002
 
GENERAL ELECTRIC COMPANY (1)
8,315,930 Systems and methods for charging an electric vehicle using broadband over powerlines 0 2008
 
GLOBAL EXPRESS MONEY ORDERS, INC. (1)
6,611,818 Method and apparatus for facilitating customer payments to creditors from a remote site 26 2000
 
GLOBEX FINANCIAL SERVICES, INC. (1)
7,296,003 Method and apparatus for facilitating manual payments for transactions conducted over a network 5 2001
 
GRAPHIC PACKAGING INTERNATIONAL, INC. (1)
6,292,789 Method and system for bill presentment and payment 215 1998
 
GRAPHON CORPORATION (1)
7,380,273 Method for authenticating a user access request 5 2005
 
HEWLETT-PACKARD COMPANY (1)
5,978,840 System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture 259 1996
 
HSBC CARD SERVICES INC. (1)
7,559,463 User selectable functionality facilitator 0 2006
 
INTERQ CO., LTD. (1)
6,711,551 Information provider, terminal and system and recording medium for the terminal 2 1998
 
J.P. MORGAN CHASE BANK (1)
7,392,386 Setuid-filter method for providing secure access to a credentials store for computer systems 0 2004
 
JP MORGAN CHASE (1)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
 
KABUSHIKI KAISHA TOSHIBA (1)
7,647,257 System and method for web access to financial data 0 2003
 
KEYCORP LIMITED (1)
6,760,414 Personal computer banking system and method 19 1997
 
KLUG, JOHN (1)
7,490,135 Method for providing node targeted content in an addressable network 11 2003
 
KONINKLIJKE KPN N.V. (1)
5,974,145 Method for cancelling a transaction of an electronic payment means, as well as payment means for application of the method 5 1996
 
LG ELECTRONICS INC. (1)
6,842,721 Refrigerator and method for controlling the same 6 2003
 
MCI COMMUNICATIONS CORPORATION (1)
6,574,661 Integrated proxy interface for web based telecommunication toll-free network management using a network manager for downloading a call routing tree to client 54 1998
 
MELLON BANK, N.A. (1)
6,360,211 System and method for electronically processing invoice information 45 1999
 
MOBIUS MANAGEMENT SYSTEMS, INC. (1)
6,721,716 Payment certification string and related electronic payment system and method 55 2000
 
NOKIA CORPORATION (1)
6,366,893 System, a method and an apparatus for performing an electric payment transaction in a telecommunication network 112 1998
 
OSTROVSKY, VLADIMIR (1)
8,032,457 Method and system for transferring electronic funds 0 2009
 
PARAGON TRADE BRANDS, INC. (1)
7,266,839 System and method for providing discriminated content to network users 15 2001
 
PARISH NATIONAL BANK (1)
6,721,783 E-mailer controller for privately and securely delivering bank notices, advices and monthly statements 56 1999
 
PATENT AND TRADEMARK FEE MANAGEMENT, LLC (1)
7,680,733 Computerized patent and trademark fee payment method and system 1 1999
 
PITNEY BOWES SOFTWARE INC. (1)
7,478,140 System and method for sending electronic mail and parcel delivery notification using recipient's identification information 5 2001
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (1)
7,877,269 Method and apparatus for internet on-line insurance policy service 4 2006
 
PURPLE LEAF, LLC (1)
7,603,311 Process and device for conducting electronic transactions 4 2000
 
QWEST COMMUNICATIONS INTERNATIONAL INC. (1)
6,256,624 Computing system for operating report production facilities 13 1998
 
SIEBEL SYSTEMS, INC. (1)
7,752,095 Electronic bill presentment and payment 4 2000
 
STANDARD CHARTERED (CT) PLC (1)
7,593,892 Financial institution portal system and method 6 2005
 
STEPNEXUS HOLDINGS (1)
7,730,310 Key transformation unit for a tamper resistant module 4 2007
 
SYMBOL TECHNOLOGIES, INC. (1)
7,092,369 Communications network with wireless gateways for mobile terminal access 10 2001
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
6,335,929 Control of communication traffic 6 1999
 
TELPAY, INC. (1)
7,200,551 Automated bill payment system 12 2000
 
TERADATA US, INC. (1)
7,167,842 Architecture and method for operational privacy in business services 12 2000
 
TRIVNET LTD. (1)
5,899,980 Retail method over a wide area network 313 1997
 
TTX COMPANY (1)
7,668,779 Method and system for tracking and verifying repair estimates, invoices, and billing exceptions 1 2006
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (1)
7,792,717 Waterfall prioritized payment processing 36 2004
 
UNISYS CORPORATION (1)
6,049,786 Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures 60 1997
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (1)
7,774,251 Systems and methods for providing dynamic integration and access to disparate data sources 1 2006
 
UNIVERSAL CARD SERVICES CORP. (1)
7,236,950 Method and system of combined billing of multiple accounts on a single statement 37 1998
 
UNPAID SYSTEMS, LTD. (PARIS, FR) (1)
6,381,316 Enhanced communication platform and related communication method using the platform 76 2001
 
VALISTA, INC. (1)
6,829,595 MicroTrac internet billing solutions 11 1998
 
VERIZION BUSINESS GLOBAL LLC (1)
7,447,736 Customer interface system for managing communications services including toll free services 1 2004
 
YADAV-RANJAN, RANI K. (1)
8,027,913 Process and device for conducting electronic transactions 0 2009
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (22)
6,304,860 Automated debt payment system and method using ATM network 131 1997
6,477,578 System and method for conducting secure internet transactions 40 1998
7,644,037 Method and system for transferring electronic funds 10 2000
7,430,540 System and method for safe financial transactions in E.Commerce 0 2000
7,415,431 System and method for trusted self-billing and payment for utilities including audit, verification, reconciliation and dispute resolution 2 2001
6,532,465 Operational system for operating on client defined rules 67 2001
7,814,233 Computer and microprocessor control units that are inaccessible from the internet 6 2003
7,805,756 Microchips with inner firewalls, faraday cages, and/or photovoltaic cells 6 2004
7,814,024 Multi-way transactions related data exchange apparatus and methods 0 2005
7,926,097 Computer or microchip protected from the internet by internal hardware 3 2005
8,225,003 Computers and microchips with a portion protected by an internal hardware firewall 0 2006
7,908,650 Computer or microchip protected from the internet by internal hardware 3 2006
7,155,614 System and method for single sign on process for websites with multiples applications and services 11 2006
8,066,946 Hydrogen storage, distribution, and recovery system 0 2007
8,332,924 Microchips with multiple internal hardware-based firewalls and dies 1 2008
8,229,807 System and method of offsetting invoice obligations 0 2008
8,209,373 Computers or microchips with a hardware side protected by a primary internal hardware firewall and an unprotected hardware side connected to a network, and with multiple internal hardware compartments protected by multiple secondary inner hardware firewalls 1 2009
8,244,833 Real-time web transaction systems to access on-line services over the web from web applications 0 2009
8,041,638 Router-based remittance systems and methods 0 2010
8,291,485 Computers and microchips with a faraday cage, a side protected by an internal hardware firewall and an unprotected side connected to the internet for network operations, and with internal hardware compartments 0 2010
8,229,855 Method and system for facilitating payment transactions using access devices 0 2011
8,312,529 Global network computers 0 2011