US Patent No: 5,770,843

Number of patents in Portfolio can not be more than 2000

Access card for multiple accounts

1 Status Updates

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ATTORNEY / AGENT: (SPONSORED)
 

Importance

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Abstract

A system for ascertaining identity of a customer based on a single card carried by the customer. The card bears a machine-readable code, which is transmitted to a database at a remote location. The database locates a record associated with the code, which contains one or more account numbers. Associated with each account number is a Personal Identification Number, PIN. (It is possible that all PINs are identical.) The customer selects an account number, and is asked for a PIN. If the PIN given by the customer matches that of the account number, the customer is concluded to be the valid owner of the account, and a transaction is allowed to proceed.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
NCR CORPORATIONDAYTON, OH2640

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hoevel, Lee W Dayton, OH 7 404
Rose, Manning I Kettering, OH 2 300

Cited Art

Patent Info (Count) # Cites Year
 
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ATALLA TECHNOVATIONS (1)
4,328,414 Multilevel security apparatus and method 39 1979
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
4,386,266 Method for operating a transaction execution system having improved verification of personal identification 87 1980
 
JUERGEN DETHLOFF (1)
4,837,422 Multi-user card system 388 1987
 
LOCKWOOD; LAWRENCE B. (1)
4,359,631 Self-service terminal 205 1980
 
TRANS-CRYPTION, INC. (1)
4,501,957 Verifier for a personal indentification system 15 1982
 
U.S. PHILIPS CORPORATION (1)
5,305,383 Method of electronic payment by chip card by means of numbered tokens allowing the detection of fraud 33 1993
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (5)
5,231,570 Credit verification system 39 1990
5,251,259 Personal identification system 75 1992
5,365,046 Preventing unauthorized use of a credit card 49 1993
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 2000
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 2009

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (140)
6,227,447 Cardless payment system 305 1999
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 16 2000
7,370,004 Personalized interactive network architecture 28 2000
7,068,832 Lockbox imaging system 27 2000
6,867,789 System and method for generating graphical user interfaces 15 2000
8,015,084 System and method for linked account having sweep feature 0 2000
7,584,125 Electronic check presentment system and method having an item sequence capability 2 2000
6,631,849 Selectable multi-purpose card 270 2000
6,341,724 Cardless payment system 131 2001
7,822,656 International banking system and method 1 2001
7,526,449 Optically encoded card and system and method for using 8 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
7,433,829 System and method for managing global risk 6 2001
7,512,566 System and method for using a stored value account having subaccount feature 6 2001
7,546,272 Trade receivable processing method and apparatus 16 2002
7,702,538 System and method for transponder-enabled account transactions 9 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 40 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 58 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
7,165,049 Sponsor funded stored value card 65 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
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
7,593,875 Financial system for isolated economic environment 1 2003
7,899,753 Systems and methods for time variable financial authentication 2 2003
7,676,425 Method and system for providing flexible financing 15 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
8,429,006 System and method for offer targeting 0 2004
7,467,106 System and method for offer management 1 2004
8,290,862 Method and system for expediting payment delivery 0 2004
7,392,222 System and method for providing promotional pricing 57 2004
7,613,656 Coupon payment system 0 2004
7,707,111 Customer activated multi-value (CAM) card 22 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 25 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
7,191,952 Selectable multi-purpose card 73 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 57 2005
7,756,896 System and method for multi-dimensional risk analysis 19 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 15 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
7,822,684 Personalized bank teller machine 4 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 46 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
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 4 2006
7,591,416 Selectable multi-purpose card 29 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 17 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 17 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 33 2006
7,260,549 Method and system for managing risk 19 2006
7,505,918 Method and system for managing risks 2 2006
7,317,823 Lockbox imaging system 42 2006
7,360,693 System and method for a card benefit program providing benefits to program members based on program performance 13 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 16 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
7,357,331 Selectable multi-purpose card 39 2006
7,366,698 Trade receivable processing method and apparatus 5 2006
7,603,283 Method and system for managing risk 3 2007
7,805,368 Debit purchasing of stored value card for use by and/or delivery to others 3 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
7,916,925 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
D582977 Transaction device 43 2008
D582476 Pivoting transaction device 28 2008
D576671 Overlapping transaction device 24 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
D635186 Metal transaction device 16 2008
7,890,422 Multiple account advanced payment card and method of routing card transactions 9 2008
D636021 Eco-friendly transaction device 2 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 31 2008
D620975 Transaction device 2 2009
D617378 Transaction device with a gem-like surface appearance 0 2009
D602986 Metal transaction device 39 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 3 2009
8,392,301 Financial system for isolated economic environment 0 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
8,095,459 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
D623690 Metal transaction device with gem-like surface 3 2010
D622314 Transaction device with a gem-like surface appearance 1 2010
D622315 Transaction device with a gem-like surface appearance 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
D628236 Transaction device 1 2010
8,160,942 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2010
D643064 Metal transaction device with gem-like surface 2 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
D636020 Eco-friendly transaction device 0 2010
D643062 Metal transaction device 8 2011
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
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (28)
7,627,531 System for facilitating a transaction 18 2001
7,606,730 System and method for a multiple merchant stored value card 16 2002
7,788,129 System and method for redeeming vouchers 0 2003
8,429,041 Systems and methods for managing account information lifecycles 0 2003
7,306,158 Clear contactless card 4 2003
7,925,535 System and method for securing RF transactions using a radio frequency identification device including a random number generator 1 2004
7,542,942 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
7,539,860 Single use user IDS 0 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
7,543,738 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
8,121,941 System and method for automatic reconciliation of transaction account spend 0 2006
7,441,697 Limited use pin system and method 4 2007
7,448,538 Limited use pin system and method 3 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
8,321,270 System and method for a multiple merchant stored value card 2009
8,423,401 System and method for redeeming vouchers 0 2010
8,016,191 Smartcard transaction system and method 3 2010
 
XATRA FUND MX, LLC (28)
7,889,052 Authorizing payment subsequent to RF transactions 1 2003
7,668,750 Securing RF transactions using a transactions counter 1 2004
7,360,689 Method and system for proffering multiple biometrics for use with a FOB 10 2004
7,303,120 System for biometric security using a FOB 43 2004
7,639,116 Converting account data associated with a radio frequency device 1 2004
7,705,732 Authenticating an RF transaction using a transaction counter 4 2004
7,735,725 Processing an RF transaction using a routing number 0 2005
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
8,066,181 RF transaction authentication using a random number 3 2008
8,016,201 Authorized sample receiver 0 2008
RE43460 Public/private dual card system and method 0 2009
7,780,091 Registering a biometric for radio frequency transactions 1 2009
8,009,018 RF transactions using a wireless reader grid 0 2010
 
FIRST DATA CORPORATION (7)
7,340,423 Method for defining a relationship between an account and a group 4 1999
7,076,465 Methods for processing a group of accounts corresponding to different products 37 1999
7,050,996 Method for linking accounts corresponding to different products together to create a group 47 1999
6,993,510 System and method for managing accounts 20 2002
7,949,594 Systems and methods for participant controlled communications regarding financial accounts 0 2003
7,810,134 Authentication system for financial transactions 0 2007
8,073,736 Systems and methods for redeeming rewards associated with accounts 0 2007
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (5)
6,702,181 Portable automated banking apparatus and system 27 2001
6,905,072 Apparatus and method of transmitting transaction signature 18 2003
7,634,448 Self-service checkout during item purchase via videophone 3 2004
7,207,477 Wireless transfer of account data and signature from hand-held device to electronic check generator 26 2004
7,040,533 Cash withdrawal from ATM via videophone 34 2004
 
PAYPAL, INC. (5)
8,024,260 Method for transmitting a code 4 2000
7,430,537 System and method for verifying a financial instrument 26 2001
8,296,204 System and method for reducing RIKS associated with accepting a financial instrument 0 2008
8,301,556 Method for transmitting a code 0 2011
8,417,637 Approving the use of the source of funds 0 2011
 
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 82 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 87 2004
 
CASHEDGE, INC. (3)
8,249,983 Method and apparatus for managing transactions 0 2001
8,255,336 Method and apparatus for managing transactions 0 2007
8,229,850 Method and apparatus for managing transactions 0 2007
 
AT&T INTELLECTUAL PROPERTY I, L.P. (2)
7,917,436 Internet billing method 0 2007
8,086,532 Internet billing method 0 2011
 
CHASE MANHATAN BANK USA, N.A. (2)
6,615,190 Sponsor funded stored value card 164 2000
6,865,547 Customer activated multi-value (CAM) card 104 2000
 
FUJI XEROX CO., LTD. (2)
7,578,429 System for writing information and method of writing information 0 2003
7,857,203 System for writing information and method of writing information 0 2009
 
GENERAL ELECTRIC CAPITAL CORPORATION (2)
6,915,277 Method for dual credit card system 58 2000
7,774,274 Payment card processing system and methods 4 2003
 
GROUPON, INC. (2)
6,327,573 Multiple party reward system utilizing single account 186 1998
7,318,041 Multiple party reward system utilizing single account 7 2001
 
HUMMINGBIRD INVESTMENT TRUST DDT 11/27/ (2)
6,811,078 Point-of-transaction machine with improved versatility and related method 5 2003
7,328,844 Point-of-transaction machine with improved versatility and related method 10 2004
 
MONEY NETWORK FINANCIAL, LLC (2)
8,365,987 Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods 0 2007
8,286,860 Negotiable instrument to presentation instrument value porting systems and methods 0 2007
 
QUALCOMM FYX, INC. (2)
8,049,594 Enhanced RFID instrument security 0 2005
8,264,321 System and method for enhanced RFID instrument security 0 2011
 
SMITH, EMMITT J., III (2)
6,676,017 Personal interface device and method 15 2002
8,380,636 Personal interface device and method 0 2011
 
THE WESTERN UNION COMPANY (2)
8,015,085 System for distributing funds 11 2004
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 1 2007
 
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
 
VERITEC, INC. (2)
7,484,659 Secure cards and methods 0 2005
8,152,056 Secure cards and methods 0 2008
 
CHASE BANK USA, N.A. (1)
7,163,153 Selectable multi-purpose card 107 2003
 
CHASE BANK USA, NATIONAL ASSOCIATION (1)
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 11 2008
 
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 MANHATTEN BANK USA, NATIONAL ASSOCIATION (1)
6,965,865 System and method for integrated customer management 9 1999
 
CITICORP (1)
5,914,472 Credit card spending authorization control system 347 1997
 
CITICORP CREDIT SERVICES, INC. (1)
8,412,623 Method and system for a multi-purpose transactional platform 0 2003
 
COMPAGNIE INDUSTRIELLE ET FINANCIERE D'INGENIERIE "INGENICO" (1)
8,074,872 Payment terminal, and associated method and program 0 2008
 
COMPUCREDIT INTELLECTUAL PROPERTY HOLDINGS CORP. II (1)
7,204,412 Family stored value card program 23 2004
 
EBAY INC. (1)
8,370,259 Verifying the source of electronically exchanged value 0 2011
 
EFUNDS CORPORATION (1)
7,707,048 System and processes for dispensing value to cardholder in response to an authorization over an electric data network 0 2001
 
ELECTRONIC FINGER PRINT TECHNOLOGIES LIMITED (1)
8,090,657 Method and apparatus for authenticating financial transactions 0 2001
 
FUJI ELECTRIC CO., LTD. (1)
6,516,997 User authentication system 18 2000
 
FUJITSU LIMITED (1)
6,611,819 Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon 33 1998
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
6,732,919 System and method for using a multiple-use credit card 117 2002
 
HULL, ROBERT E. (1)
8,261,974 Integrated financial transaction and access system 0 2008
 
INTERNET PROMISE GROUP, LLC (1)
8,195,568 Method and apparatus for a payment card system 0 2001
 
JP MORGAN CHASE (1)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
 
LEICA GEOSYSTEMS AG (1)
6,081,327 Leveling instrument 1 1997
 
MOBIL OIL CORPORATION (1)
7,571,139 System and method for processing financial transactions 29 2000
 
MUSIC.COM INC. (1)
7,222,097 Anonymous credit card 8 2001
 
PROVA GROUP, INC. (1)
8,370,225 Equipment management system 0 2010
 
QELIKISHI LTD. LLC (1)
7,849,619 Enhanced identification appliance for verifying and authenticating the bearer through biometric data 0 2005
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (1)
7,792,717 Waterfall prioritized payment processing 39 2004
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (1)
7,784,692 Single access vehicle 0 2005
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
7,152,782 System and method for managing electronic data transfer applications 15 2004
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (2)
6,494,367 Secure multi-application card system 83 2000
8,447,641 System and method for automatically enrolling buyers into a network 0 2010