Postpaid traveler's checks

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO

5798508

SERIAL NO

08762128

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A system and method for issuing and clearing traveler's checks that are paid for by credit card. A quantity of traveler's checks having a total value are sold to a buyer. An account identifier is received from the buyer. A lock is placed against the identified account for a lock value of at least a portion of the total value. Preferably, the identified account is a credit card account. The lock value and the credit card account number are communicated to a credit card clearing house and an authorization that a lock equal to the lock value has been placed against the credit card account is then received from the credit card clearing house. Information identifying the credit card account of the buyer of each traveler's check that is sold is communicated to the traveler's check issuer, which stores the information in a database. When the buyer cashes a traveler's check, the traveler's check issuer obtains payment on the check. The identified account is debited while the lock on the account is reduced by a generally equal amount. A predetermined value based on the value of the cashed traveler's check is communicated to the credit card clearing house, which debits the account, reduces the lock and communicates a payment credit to the traveler's check issuer.

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First Claim

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Family

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Patent Owner(s)

Patent OwnerAddressTotal Patents
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIPSTAMFORD, CT188
ZYNGA INC.SAN FRANCISCO, CA350

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Case, T Scott Darien, CT 34 3224
Walker, Jay S Ridgefield, CT 1505 69820

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (3)
* 4997188 Divided-paying travelers checks and system 28 1990
* 5546523 Electronic fund transfer system 265 1995
* 5686713 Apparatus and method for allowing a money order purchase via an ATM 80 1996
 
ESCROWCARD, INC., A CORP. OF FLORIDA (1)
* 5426281 Transaction protection system 400 1993
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
WALKER DIGITAL, LLC (1)
6330544 System and process for issuing and managing forced redemption vouchers having alias account numbers 184 1999
 
Other [Check patent profile for assignment information] (8)
* 2001/0025,263 Multiple level philanthropic giving system and method 1 2000
* 2003/0191,712 Electronic money issuing system 14 2003
7822664 Future check financing method 0 2004
* 7774269 Future check financing method 0 2004
* 2006/0015,428 Future check financing method 15 2004
7155614 System and method for single sign on process for websites with multiples applications and services 22 2006
* 2006/0213,985 METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES 20 2006
* 2013/0297,487 System and Method for Providing a Cash Advance 0 2012
 
MOORE NORTH AMERICA, INC. (1)
* 6481752 Multiple company integrated document production 14 1998
 
General Electric Capital Financial (2)
6901387 Electronic purchasing method and apparatus for performing the same 54 2002
* 2003/0110,136 Electronic purchasing method and apparatus for performing the same 24 2002
 
ZAKS, YAEL (1)
* 2009/0254,451 Transaction system and method 0 2005
 
SMART VOUCHER LIMITED (1)
* 2003/0158,782 Electronic processing system 27 2003
 
COLUMBIA PROFESSIONAL BASEBALL, L.L.C. (1)
* 2007/0282,740 Electronic funds card 47 2007
 
Zynga Inc. (5)
* 6193155 Method and apparatus for issuing and managing gift certificates 165 1997
7747522 Method and apparatus for issuing and managing gift certificates 6 2000
7895120 Method and apparatus for issuing and managing gift certificates 2 2006
8099360 Method and apparatus for issuing and managing gift certificates 2 2011
* 2011/0145,142 METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES 0 2011
 
ELECTRONIC COMMERCE PROTECTION CORPORATION (1)
* 2008/0077,528 MECHANISM FOR FRAUD-RESISTANT CONSUMER TRANSACTIONS 1 2007
 
OL SECURITY LIMITED LIABILITY COMPANY (2)
* 7104443 Method and system for facilitating electronic funds transactions 221 2002
7775426 Method and system for facilitating electronic funds transactions 5 2006
 
III HOLDINGS 1, LLC (24)
7805376 Methods and apparatus for facilitating a transaction 18 2003
* 2003/0233,334 Methods and apparatus for facilitating a transaction 97 2003
7500598 Negotiable instruments and systems and processing same 2 2003
* 2007/0241,179 Negotiable instruments and systems and processing same 45 2003
7577585 Method and system for completing transactions involving partial shipments 2 2003
* 2005/0119,942 Method and system for completing transactions involving partial shipments 4 2003
* 8600880 Method and system for providing point of sale services 0 2004
* 2005/0203,753 METHOD AND SYSTEM FOR PROVIDING POINT OF SALE SERVICES 3 2004
7413112 Method and system for manual authorization 6 2004
* 2005/0205,662 Method and system for manual authorization 0 2004
7606766 Computer system and computer-implemented method for selecting invoice settlement options 12 2006
* 2008/0154,769 Computer system and computer-implemented method for selecting invoice settlement options 16 2006
7584151 Electronic purchasing method and apparatus for performing the same 13 2007
* 2007/0185,821 Electronic purchasing method and apparatus for performing the same 10 2007
7735720 Method and system for manual authorization 3 2008
* 2008/0313,064 METHOD AND SYSTEM FOR MANUAL AUTHORIZATION 1 2008
7861923 Negotiable instruments and systems and processing same 1 2008
* 2009/0121,013 NEGOTIABLE INSTRUMENTS AND SYSTEMS AND PROCESSING SAME 0 2008
* 2009/0177,563 AUTHORIZATION REFRESH SYSTEM AND METHOD 7 2009
8195574 System and method for setting up a pre-authorization record 2 2009
* 2010/0070,393 SYSTEM AND METHOD FOR SETTING UP A PRE-AUTHORIZATION RECORD 2 2009
7909240 Method and system for manual authorization 0 2009
* 2010/0153,271 Method and System for Manual Authorization 0 2009
8083132 Negotiable instruments and systems and processing same 0 2010
 
HALL, JOSEPH C. M. (2)
8069120 Electronic purchasing method and apparatus 5 2009
* 2009/0292,631 ELECTRONIC PURCHASING METHOD AND APPARATUS 4 2009
 
eCharge Corporation (26)
7606355 Method and apparatus for ordering goods, services and content over an internetwork 7 2001
* 2001/0001,147 Method and apparatus for ordering goods, services and content over an internetwork 30 2001
* 2006/0168,663 Secure transaction protocol 40 2002
7249097 Method for ordering goods, services, and content over an internetwork using a virtual payment account 116 2003
7606760 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 11 2003
* 2005/0192,896 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 52 2003
7908226 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 49 2005
7761385 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 8 2005
* 2006/0004,659 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 13 2005
* 2005/0261,984 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 12 2005
7669762 Method and apparatus for ordering goods, services and content over an internetwork 4 2005
7606737 Method and apparatus for ordering goods, services and content over an internetwork 3 2005
* 2006/0085,287 Method and apparatus for ordering goods, services and content over an internetwork 1 2005
* 2008/0016,003 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES, AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT 10 2007
* 2010/0010,916 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT 3 2009
8015264 Method and apparatus for ordering goods, services and content over an internetwork 1 2009
8005722 Method and apparatus for ordering goods, services and content over an internetwork 0 2009
* 2010/0017,335 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK 0 2009
* 2010/0017,331 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK 0 2009
8016190 Method and apparatus for ordering goods, services and content over an internetwork 0 2010
8011574 Method and apparatus for ordering goods, services and content over an internetwork 0 2010
* 2010/0145,817 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK 0 2010
* 2010/0145,816 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK 0 2010
* 2010/0306,081 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT 1 2010
* 2010/0312,708 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT 2 2010
* 2011/0137,801 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT 0 2011
 
JPMORGAN CHASE BANK, N.A. (42)
8571975 System and method for sending money via E-mail over the internet 0 1999
7426530 System and method for providing customers with seamless entry to a remote server 32 2000
7321864 System and method for providing funding approval associated with a project based on a document collection 119 2000
7246263 System and method for portal infrastructure tracking 17 2001
8438086 System and method for providing customers with seamless entry to a remote server 0 2001
7987501 System and method for single session sign-on 7 2001
7941533 System and method for single sign-on session management without central server 7 2002
7246324 Method and system for data capture with hidden applets 12 2002
7143174 Method and system for delayed cookie transmission in a client-server architecture 6 2002
7472171 Method and system for determining receipt of a delayed cookie in a client-server architecture 16 2002
7689504 System and method for establishing or modifying an account with user selectable terms 42 2002
8301493 System and method for providing incentives to consumers to share information 1 2002
7676431 Method and system for processing internet payments using the electronic funds transfer network 28 2003
* 2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 279 2003
7353383 System and method for single session sign-on with cryptography 30 2003
7376838 Method for controlled and audited access to privileged accounts on computer systems 14 2003
7421696 Methods and systems for managing successful completion of a network of processes 1 2004
8190893 Portable security transaction protocol 10 2004
8185877 System and method for testing applications 31 2005
7756816 System and method for network-based project management 2 2005
7783578 System for providing cardless payment 4 2006
7461265 System and method for single sign on process for websites with multiple applications and services 19 2006
7444672 System and method for single sign on process for websites with multiple applications and services 22 2006
8583926 System and method for anti-phishing authentication 2 2006
8145522 System and method for establishing or modifying an account with user selectable terms 18 2006
8793490 Systems and methods for multifactor authentication 3 2006
7966496 System and method for single sign on process for websites with multiple applications and services 12 2006
8335855 System and method for portal infrastructure tracking 2 2007
8185940 System and method for providing discriminated content to network users 1 2007
7685013 System and method for automatic financial project management 23 2007
8849716 System and method for preventing identity theft or misuse by restricting access 0 2007
8473735 Systems and methods for managing digital certificates 5 2008
8590008 System and method for single sign on process for websites with multiple applications and services 3 2008
8321682 System and method for generating and managing administrator passwords 3 2009
8160960 System and method for rapid updating of credit information 27 2009
8732072 System and method for establishing or modifying an account with user selectable terms 0 2010
8458070 System and method for providing customers with seamless entry to a remote server 0 2012
8549315 System and method for generating and managing administrator passwords 0 2012
8726011 Systems and methods for managing digital certificates 0 2013
9374366 System and method for anti-phishing authentication 0 2013
9419957 Confidence-based authentication 0 2014
9240012 Systems and methods for multifactor authentication 0 2014
 
CYNTHIA COOK INC., DBA THE MERCHANDISING TEAM (3)
7444305 Methods of coordinating products and service demonstrations 3 2001
7797191 Promotional event tracking system 24 2005
* 2005/0192,883 Promotional event tracking system 1 2005
 
HAIER US APPLIANCE SOLUTIONS, INC. (2)
7246087 Method and apparatus for product selection assistance 16 2000
6571236 Method and apparatus for problem diagnosis and solution 97 2000
 
PARAGON TRADE BRANDS, INC. (1)
7266839 System and method for providing discriminated content to network users 22 2001
 
MASS CONNECTIONS, INC. (3)
* 2005/0222,904 Prepaid monetary card for incentivizing return customers 18 2004
* 2006/0047,551 System and method for staffing promotional events with qualified event personnel 9 2004
* 2009/0083,156 SYSTEMS AND METHODS FOR FACILITATING THE STAFFING OF PROMOTIONAL EVENTS 3 2008
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (4)
* 6338049 User-generated traveler's checks 97 1997
* 6208978 System and method for issuing security deposit guarantees based on credit card accounts 123 1997
7496537 User-generated traveler's checks 1 2001
* 2002/0042,766 User-generated traveler's checks 4 2001
 
FUJINON CORPORATION (2)
* 7595939 Imaging lens 1 2007
* 2007/0229,988 Imaging lens 0 2007
 
MONEYGRAM INTERNATIONAL, INC. (2)
* 8401969 Virtual traveler's check 0 2010
* 2011/0218,913 VIRTUAL TRAVELER'S CHECK 0 2010
 
AMERIPRISE FINANCIAL, INC. (1)
7127423 System and method for creating and administering an investment instrument 21 2001
* Cited By Examiner