System, method and article of manufacture for network electronic authorization utilizing an authorization instrument

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 5815657
SERIAL NO

08638355

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms of payment organized. Access to the instruments in the wallet or purse is restricted by a password to avoid unauthorized payments. When access is authorized, a graphical representation of the payment instruments is presented on the display to enable a user to select a payment method of their choice. Once a payment instrument is selected, a summary of the goods for purchase are presented to the user and the user enters an electronic approval for the transaction or cancels the transaction. Electronic approval results in the generation of an electronic transaction to complete the order.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LPHOUSTON, TX8793

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hughes, Kevin San Mateo, CA 38 1762
Parmar, Bipinkumar G Cupertino, CA 3 1422
Williams, Humphrey Palo Alto, CA 4 1565

Cited Art Landscape

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* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
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7314164 System for biometric security using a smartcard 56 2004
7314165 Method and system for smellprint recognition biometrics on a smartcard 46 2004
* 2006/0016,877 BIOMETRIC SAFEGUARD METHOD WITH A SMARTCARD 35 2004
* 2006/0016,870 METHOD AND SYSTEM FOR SMELLPRINT RECOGNITION BIOMETRICS ON A SMARTCARD 4 2004
* 2006/0000,892 METHOD FOR BIOMETRIC SECURITY USING A SMARTCARD 10 2004
7505941 Methods and apparatus for conducting electronic transactions using biometrics 15 2005
7543738 System and method for secure transactions manageable by a transaction account provider 36 2005
8001054 System and method for generating an unpredictable number using a seeded algorithm 24 2006
9031880 Systems and methods for non-traditional payment using biometric data 1 2006
8179882 Voice over internet call center integration 2 2007
8045490 Voice over internet call center integration 1 2007
7451924 System for biometric security using a smartcard 11 2007
7451925 System for biometric security using a smartcard 11 2007
* 2008/0011,830 SYSTEM FOR BIOMETRIC SECURITY USING A SMARTCARD 6 2007
* 2008/0010,214 SYSTEM FOR BIOMETRIC SECURITY USING A SMARTCARD 5 2007
7445149 System for biometric security using a smartcard 7 2007
7438234 System for biometric security using a smartcard 14 2007
7533827 Smartcard transaction method and system using signature recognition 4 2007
7530493 Smartcard transaction method and system using iris scan recognition 5 2007
7523860 Smartcard transaction method and system using facial scan recognition 14 2007
7510115 Smartcard transaction method and system using auditory scan recognition 4 2007
7506806 Smartcard transaction method and system using fingerprint recognition 45 2007
7497375 Smartcard transaction method and system using smellprint recognition 4 2007
7494058 Smartcard transaction method and system using voiceprint recognition 20 2007
7597265 Method and system for vascular scan recognition with a smartcard 10 2007
7594612 Smartcard transaction method and system using retinal scan recognition 8 2007
* 2008/0173,708 BIOMETRIC SAFEGUARD METHOD WITH A SMARTCARD 3 2007
8515840 Modular electronic wallet 1 2007
7801829 Smartcard internet authorization system 18 2007
* 2008/0091,602 SMARTCARD INTERNET AUTHORIZATION SYSTEM 2 2007
7793845 Smartcard transaction system and method 6 2009
8016191 Smartcard transaction system and method 33 2010
8489513 Methods and apparatus for conducting electronic transactions 40 2011
8433658 Methods and apparatus for conducting electronic transactions 9 2011
8423476 Methods and apparatus for conducting electronic transactions 13 2011
* 2011/0191,250 Methods and Apparatus for Conducting Electronic Transactions 4 2011
* 2011/0191,248 Methods and Apparatus for Conducting Electronic Transactions 2 2011
* 2011/0191,249 Methods and Apparatus for Conducting Electronic Transactions 1 2011
8423475 Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia 0 2011
9240010 Systems and methods for generating and using a digital pass 0 2011
9344576 Voice over internet integration 0 2011
9747598 Dynamic security code push 0 2013
 
PAYBYCLICK CORPORATION--TEXAS (6)
* 7177838 Method and apparatus for conducting electronic commerce transactions using electronic tokens 60 2000
* 7376621 Method and apparatus for conducting electronic commerce transactions using electronic tokens 28 2000
* 7328189 Method and apparatus for conducting electronic commerce transactions using electronic tokens 59 2001
* 2002/0002,538 Method and apparatus for conducting electronic commerce transactions using electronic tokens 43 2001
* 7249099 Method and apparatus for conducting electronic commerce transactions using electronic tokens 66 2005
* 2005/0171,847 Method and apparatus for conducting electronic commerce transactions using electronic tokens 7 2005
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (2)
7086586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 19 2004
7051925 System and method for funding a collective account by use of an electronic tag 111 2004
 
Way Out World, LLC (1)
* 2007/0055,562 System and methods for multi-modal game augmented interactive marketing 1 2005
 
ICONICS, INC. (3)
6834388 Process control 12 1999
7003558 Method and system for communicating information and controlling equipment according to a standard protocol between two computers 24 1999
7017116 Graphical human-machine interface on a portable device 16 2000
 
PARAGON TRADE BRANDS, INC. (1)
7266839 System and method for providing discriminated content to network users 22 2001
 
FACEBOOK, INC. (3)
7200577 Method and apparatus for secure online transactions 2 2002
7908227 Method and apparatus for secure online transactions 9 2007
* 2007/0112,688 METHOD AND APPARATUS FOR SECURE ONLINE TRANSACTIONS 0 2007
 
FORD GLOBAL TECHNOLOGIES, LLC (1)
* 6598036 Method for serving engineering rules on a network through servlet and applet 1 2000
 
ZHIGU HOLDINGS LIMITED (1)
* 6522343 Hosting objects in a windowed environment 16 1998
 
QUEST SOFTWARE, INC. (1)
8713583 Systems and methods for managing policies on a computer 1 2013
 
eSecure.biz, Inc. (1)
7152047 System and method for production and authentication of original documents 140 2000
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (4)
7333953 Method and apparatus for integrated payments processing and decisioning for internet transactions 30 2000
8145567 Transaction ID system and process 2 2005
8204826 Method and apparatus for integrated payments processing and decisioning for internet transactions 2 2007
8407145 Transaction ID system and process 0 2012
 
CITIBANK, N.A. (7)
7010512 Transfer instrument 105 1998
7254557 Financial services payment vehicle and method 45 1999
7739168 Transfer instrument 7 2006
8060426 Transfer instrument 1 2010
* 2010/0217,691 Transfer Instrument 4 2010
8392306 Transfer instrument 0 2011
8489483 Transfer instrument 3 2013
 
TRANSACTION HOLDINGS LTD, L.L.C. (22)
6945457 Automated transaction machine 91 1997
8600887 Automated transaction machine 1 2007
8600888 Automated transaction machine 0 2007
8600889 Automated transaction machine 0 2007
8600890 Automated transaction machine 0 2007
8583522 Automated transaction machine 0 2007
8571952 Automated transaction machine 0 2007
8560451 Automated transaction machine 0 2007
8554677 Automated transaction machine 0 2007
8132714 Automated transaction machine 1 2007
8132715 Automated transaction machine 2 2007
7837101 Automated transaction machine 4 2007
7802718 Automated transaction machine 4 2007
7793830 Automated transaction machine 4 2007
7699220 Automated transaction machine 5 2007
7617973 Automated transaction machine 4 2007
7600677 Automated transaction machine 4 2007
7597251 Automated transaction machine 8 2007
7597248 Automated transaction machine 4 2007
7591420 Automated transaction machine 5 2007
7575158 Automated transaction machine 5 2007
7571850 Automated transaction machine 9 2007
 
ETRONICA.COM CORPORATION (2)
* 7702541 Targeted e-commerce system 1 2000
* 2002/0016,741 Targeted e-commerce system 13 2000
 
JP Morgan Chase Bank (1)
7941533 System and method for single sign-on session management without central server 9 2002
 
AXALTO INC. (2)
* 6308317 Using a high level programming language with a microcontroller 131 1997
* 6157966 System and method for an ISO7816 complaint smart card to become master over a terminal 55 1998
 
ATOLAIRE LIMITED (1)
7346577 Third-party billing system and method 14 2000
 
THE WESTERN UNION COMPANY (58)
6547132 Point of sale payment terminal 158 2000
7165052 Payment service method and system 27 2001
7606734 Wide area network person-to-person payment 24 2001
7613653 Money order debit from stored value fund 4 2001
7398252 Automated group payment 40 2001
7266533 Electronic gift greeting 24 2001
7158955 Electronic identifier payment systems and methods 76 2001
7596529 Buttons for person to person payments 7 2002
7107249 Electronic identifier payment systems and methods 116 2002
7096205 Systems and methods for enrolling consumers in goods and services 13 2002
7600673 Systems and methods for performing transactions at a point-of-sale 72 2002
7086584 Systems and methods for configuring a point-of-sale system 58 2002
6886742 Systems and methods for deploying a point-of sale device 146 2002
* 2003/0222,135 Systems and methods for configuring a point-of-sale system 41 2002
* 2002/0153,414 Systems and methods for performing transactions at a point-of-sale 131 2002
6922673 Systems and methods for ordering and distributing incentive messages 60 2002
7130817 Electronic gift linking 26 2002
* 2003/0163,417 Methods and systems for processing transaction requests 14 2002
8374962 Stored value payouts 1 2003
8244632 Automated transfer with stored value 0 2003
7003479 Systems and methods for ordering and distributing incentive messages 13 2003
* 2003/0177,067 Systems and methods for ordering and distributing incentive messages 32 2003
* 2004/0177,014 Systems and methods for ordering and distributing redemption instruments 24 2003
7184989 Staged transactions systems and methods 13 2003
8086539 Value processing network and methods 2 2003
7103577 Systems and methods for staging transactions, payments and collections 28 2003
7117183 Airline ticket payment and reservation system and methods 28 2004
7641109 Money transfer cards, systems and methods 15 2005
7392940 In-lane money transfer systems and methods 3 2005
8672220 Money transfer system and method 2 2005
8706640 Systems and methods for enrolling consumers in goods and services 0 2006
7540410 Point of sale payment terminal 5 2006
9129464 Staged transactions systems and methods 0 2006
* 8150763 Systems and methods for staging transactions, payments and collections 0 2006
7506809 Systems and methods for configuring a point-of-sale system 4 2006
* 2007/0029,376 Systems and methods for configuring a point-of-sale system 6 2006
8515874 Airline ticket payment and reservation system and methods 2 2006
7512552 Electronic gift linking 23 2006
7930216 Method for making an online payment through a payment enabler system 4 2006
8345931 Biometric based authorization systems for electronic fund transfers 2 2006
* 2007/0208,662 BIOMETRIC BASED AUTHORIZATION SYSTEMS FOR ELECTRONIC FUND TRANSFERS 19 2006
8818904 Generation systems and methods for transaction identifiers having biometric keys associated therewith 1 2007
7933835 Secure money transfer systems and methods using biometric keys associated therewith 14 2007
8504473 Money transfer system and messaging system 4 2007
7908179 Electronic gift linking 2 2007
7716128 Electronic indentifier payment systems and methods 3 2007
7753267 In-lane money transfer systems and methods 6 2008
8024229 Wide area network person-to-person payment 4 2008
7941342 Wide area network person-to-person payment 1 2008
7941346 Wide area network person-to-person payment 0 2008
7937292 Wide area network person-to-person payment 10 2008
8960537 Money transfer systems and methods 0 2012
8837784 Biometric based authorization systems for electronic fund transfers 0 2012
8851371 In-lane money transfer systems and methods 0 2013
8762267 Money transfer system and messaging system 0 2013
9384476 Money transfer system and method 0 2014
9123044 Generation systems and methods for transaction identifiers having biometric keys associated therewith 0 2014
9542684 Biometric based authorization systems for electronic fund transfers 0 2014
 
Pitney Bowes Inc. (1)
6668375 Method and system for providing build-to-order software applications 16 1999
 
HITACHI, LTD. (1)
* 2003/0084,294 System and method for authentication 13 2002
 
ORACLE AMERICA, INC. (2)
* 6018724 Method and apparatus for authenticating on-line transaction data 305 1997
* 6047377 Typed, parameterized, and extensible access control permissions 50 1997
 
JAVIEN DIGITAL PAYMENT SOLUTIONS, INC. (1)
7627526 Third-party billing system and method 5 2007
 
OPEN NETWORK SOLUTIONS, INC. (6)
6745259 OPEN NETWORK SYSTEM FOR I/O OPERATION INCLUDING A COMMON GATEWAY INTERFACE AND AN EXTENDED OPEN NETWORK PROTOCOL WITH NON-STANDARD I/O DEVICES UTILIZING DEVICE AND IDENTIFIER FOR OPERATION TO BE PERFORMED WITH DEVICE 28 2001
6694387 System for enabling smart card transactions to occur over the internet and associated method 58 2002
6684269 System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet 149 2002
6850996 System and method for enabling transactions between a web server and an automated teller machine over the internet 76 2003
6907476 Open network system and method for I/O operations with non-standard I/O devices using an extended open network protocol 39 2004
7984172 System and method for transacting communication over an open network 2 2005
 
SPINDLE MOBILE, INC. (3)
* 5991738 Automated credit card processing 106 1997
* 5963917 Financial system of computers 160 1998
* 2006/0122,862 Processing payment on the Internet 1 2005
 
MCAFEE, LLC (1)
* 6550012 Active firewall system and methodology 306 1999
 
GULA CONSULTING LIMITED LIABILITY COMPANY (33)
7343351 Methods and apparatus for conducting electronic transactions 103 2000
7003495 Portable electronic authorization system and method 105 2000
7080037 Portable electronic authorization system and method 53 2001
* 2002/0099,665 Portable electronic authorization system and method 42 2001
7340439 Portable electronic authorization system and method 21 2003
8875990 Systems and methods for allocating a payment authorization request to a payment processor 0 2009
8820633 Methods for a third party biller to receive an allocated payment authorization request 0 2009
8814039 Methods for processing a payment authorization request utilizing a network of point of sale devices 0 2009
8794509 Systems and methods for processing a payment authorization request over disparate payment networks 2 2009
8646685 Device for allocating a payment authorization request to a payment processor 2 2009
8596527 Methods for locating a payment system utilizing a point of sale device 0 2009
* 2009/0164,326 METHODS FOR LOCATING A PAYMENT SYSTEM UTILIZING A POINT OF SALE DEVICE 14 2009
* 2009/0164,324 Methods for a Third Party Biller to Receive an Allocated Payment Authorization Request 5 2009
* 2009/0164,330 Systems and Methods for Processing a Payment Authorization Request Over Disparate Payment Networks 11 2009
* 2009/0164,327 Methods for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices 30 2009
* 2009/0157,518 Systems and Methods for Allocating a Payment Authorization Request to a Payment Processor 17 2009
* 2009/0157,519 Device for Allocating a Payment Authorization Request to a Payment Processor 13 2009
8195565 Systems and methods for point of interaction based policy routing of transactions 17 2009
8190514 Systems and methods for transaction processing based upon an overdraft scenario 12 2009
8180706 Systems and methods for maximizing a rewards accumulation strategy during transaction processing 10 2009
8073772 Systems and methods for processing transactions using multiple budgets 40 2009
* 2009/0299,841 SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS USING MULTIPLE BUDGETS 20 2009
* 2009/0287,564 SYSTEMS AND METHODS FOR MAXIMIZING A REWARDS ACCUMULATION STRATEGY DURING TRANSACTION PROCESSING 7 2009
* 2009/0287,565 SYSTEMS AND METHODS FOR POINT OF INTERACTION BASED POLICY ROUTING OF TRANSACTIONS 11 2009
* 2009/0271,277 SYSTEMS AND METHODS FOR TRANSACTION PROCESSING BASED UPON AN OVERDRAFT SCENARIO 2 2009
8851369 Systems and methods for transaction processing using a smartcard 2 2009
* 2009/0289,106 SYSTEMS AND METHODS FOR TRANSACTION PROCESSING USING A SMARTCARD 14 2009
8214299 Methods and apparatus for conducting electronic transactions 3 2010
* 2010/0312,667 METHODS AND APPARATUS FOR CONDUCTING ELECTRONIC TRANSACTIONS 2 2010
9519894 Methods and apparatus for conducting electronic transactions 0 2012
8938402 Methods and apparatus for conducting electronic transactions 0 2012
8924310 Methods and apparatus for conducting electronic transactions 0 2012
* 2012/0271,771 METHODS AND APPARATUS FOR CONDUCTING ELECTRONIC TRANSACTIONS 0 2012
 
Vista U.S.A. (1)
7703668 Compact protocol and solution for substantially offline messaging between portable consumer device and base device 2 2006
 
RAKUTEN, INC. (1)
7024412 Systems and methods for database configuration migration 18 2001
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (8)
6195694 Server for reconfiguring control of a subset of devices on one or more kiosks 255 1997
* 2006/0056,626 Method and system for selectively masking the display of data field values 9 2004
* 8402518 Secure management of authentication information 1 2009
* 2009/0125,991 SECURE MANAGEMENT OF AUTHENTICATION INFORMATION 0 2009
7970722 System, method and computer program product for a collaborative decision platform 5 2009
8160988 System, method and computer program product for a collaborative decision platform 1 2010
8005777 System, method and computer program product for a collaborative decision platform 19 2010
* 8543930 System and method for human identification proof for use in virtual environments 2 2012
 
CISCO TECHNOLOGY, INC. (5)
7934101 Dynamically mitigating a noncompliant password 11 2004
* 2005/0235,341 Dynamically mitigating a noncompliant password 29 2004
7673025 Controlling access message flow 0 2004
* 2005/0243,717 Controlling access message flow 6 2004
8909936 Dynamically mitigating a noncompliant password 0 2011
 
PLAYSPIN INC. (1)
9757644 Dynamic payment optimization apparatuses, methods and systems 0 2013
 
CREDIT CARD FRAUD CONTROL CORPORATION (1)
7013001 Method of billing a communication session conducted over a computer network 47 2002
 
AIRTIME TECHNOLOGIES, INC. (3)
* 2001/0023,409 Apparatus for establishing debit accounts 39 2001
7249054 System and method for debit account transactions 29 2001
* 2001/0023,415 System and method for debit account transactions 17 2001
 
INTERQ CO., LTD. (1)
* 6711551 Information provider, terminal and system and recording medium for the terminal 2 1998
 
KONINKLIJKE KPN N.V. (1)
* 5974145 Method for cancelling a transaction of an electronic payment means, as well as payment means for application of the method 9 1996
 
FINNAVATIONS LLC (1)
9569755 Financial management system 0 2012
 
FUJITSU LIMITED (1)
* 2003/0009,319 Medium recorded with program for managing and utilizing information of plurality of corporations in real time, organization activity management method, and information processing system 1 2001
 
J.P. MORGAN CHASE & CO. (4)
7831508 System and method for implementing a consolidated application process 2 2000
8612341 Computerized funding of a second financial account by a first financial card 2 2004
* 2005/0251,470 Mutual fund card method and system 27 2005
8700529 Mutual fund card method and system 0 2006
 
GTX CORPORATION (4)
7249060 Systems and methods for distributing on-line content 73 2002
* 2004/0030,615 Systems and methods for distributing on-line content 31 2002
7676432 Methods and apparatus for transacting electronic commerce using account hierarchy and locking of accounts 9 2003
* 2005/0010,483 Methods and apparatus for transacting electronic commerce using account hierarchy and locking of accounts 116 2003
 
MOTOROLA, INC. (1)
* 2002/0107,755 Server-based electronic wallet system 49 2001
 
WEST CORPORATION (7)
* 7440922 System, method, and business method for settling micropayment transactions to a pre-paid instrument 23 2001
7739162 System, method, and business method for setting micropayment transaction to a pre-paid instrument 21 2001
8244633 System, method, and business method for settling micropayment transactions to a pre-paid instrument 0 2008
8255328 System, method, and computer readable medium for settling micropayment transactions to a pre-paid instrument 0 2008
8244613 System, method, and business method for settling micropayment transactions to a pre-paid instrument 0 2010
* 8666896 System, method, and business method for settling micropayment transactions to a pre-paid instrument 0 2012
8571987 System, method, and computer readable medium for settling micropayment transactions to a pre-paid instrument 0 2012
 
OPEN TEXT S.A. (1)
6917962 Web-based groupware system 47 2000
 
NEWGISTICS, INC. (16)
8036905 Method and system for processing the local return of remotely purchased products 0 2001
8386337 System and method for single-action returns of remotely purchased merchandise 2 2001
* 2001/0047,315 System and method for single-action returns of remotely purchased merchandise 27 2001
7716091 Local returns of remotely purchased merchandise with return code validation 4 2001
* 2004/0193,436 Method and system using return labels with dynamically generated multiple datapoint coding 13 2003
* 2004/0181,310 Merchandise return system with value added returns processing (data communications) 13 2003
9033230 Reverse manifesting by returns service provider 0 2003
* 2004/0193,438 Merchandise return system with value added returns processing (dispositioning) 21 2003
* 2004/0194,056 Reverse manifesting by returns service provider 13 2003
8380584 On-line rules-based return processing 1 2004
8332282 On-line merchandise return labels 4 2004
7376572 Return centers with rules-based dispositioning of merchandise 41 2004
* 2005/0137,901 Return centers with rules-based dispositioning of merchandise 3 2004
* 2004/0143,519 On-line merchandise return labels 14 2004
* 2004/0215,531 Computer generated merchandise return labels with rules-based coding 13 2004
* 2006/0149,577 System and method for the customized processing of returned merchandise 35 2005
 
FIRST DATA CORPORATION (25)
* 2004/0159,699 Peripheral point-of-sale systems and methods of using such 17 2003
* 2004/0039,693 Value processing network and methods 54 2003
* 2004/0148,203 Systems and methods for verifying medical insurance coverage 39 2003
7707110 System and method for conducting transactions with different forms of payment 2 2004
* 2005/0261,968 System and method for conducting transactions with different forms of payment 30 2004
* 2005/0015,280 Health care eligibility verification and settlement systems and methods 90 2004
7831519 Methods and systems for electromagnetic initiation of secure transactions 5 2004
* 2005/0137,986 Methods and systems for electromagnetic initiation of secure transactions 31 2004
7463946 Mail handling equipment and methods 7 2005
8751250 Health care eligibility verification and settlement systems and methods 0 2005
* 2005/0288,964 Health care eligibility verification and settlement systems and methods 48 2005
* 2007/0078,781 Information access control 2 2006
7587342 Method for requesting and receiving an online payment through a payment enabler system 12 2006
7783571 ATM system for receiving cash deposits from non-networked clients 49 2007
7813982 Unit-based prepaid presentation instrument accounts and methods 1 2007
* 2008/0195,497 Unit-Based Prepaid Presentation Instrument Accounts And Methods 0 2007
* 2008/0021,780 INTRA-ORGANIZATION NEGOTIABLE INSTRUMENT PRODUCTION AND MESSAGING 0 2007
8565723 Onetime passwords for mobile wallets 3 2007
* 2009/0104,888 Onetime Passwords For Mobile Wallets 125 2007
7610222 Method for providing a money transfer service through a payment enabler system 22 2007
8095113 Onetime passwords for smart chip cards 33 2009
* 2009/0200,371 ONETIME PASSWORDS FOR SMART CHIP CARDS 51 2009
* 2009/0254,428 SYSTEMS AND METHODS FOR DELIVERING ADVERTISING CONTENT TO POINT OF SALE DEVICES 0 2009
8346611 Systems and methods for pre-paid futures procurement 0 2009
* 2010/0268,611 SYSTEMS AND METHODS FOR PRE-PAID FUTURES PROCUREMENT 1 2009
 
MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC. (16)
9208490 Facilitating establishing trust for a conducting direct secure electronic transactions between a user and a financial service providers 9 2011
* 2012/0011,058 TRANSACTIONAL SERVICES 26 2011
9697512 Facilitating a secure transaction over a direct secure transaction portal 0 2011
9471914 Facilitating a secure transaction over a direct secure transaction channel 1 2011
9400980 Transferring account information or cash value between an electronic transaction device and a service provider based on establishing trust with a transaction service provider 1 2011
9330388 Facilitating establishing trust for conducting direct secure electronic transactions between a user and airtime service providers 3 2011
9330389 Facilitating establishing trust for conducting direct secure electronic transactions between users and service providers via a mobile wallet 3 2011
9330390 Securing a driver license service electronic transaction via a three-dimensional electronic transaction authentication protocol 3 2011
9177315 Establishing direct, secure transaction channels between a device and a plurality of service providers 10 2011
9811820 Data consolidation expert system for facilitating user control over information use 0 2011
9317849 Using confidential information to prepare a request and to suggest offers without revealing confidential information 5 2011
9070127 Administering a plurality of accounts for a client 14 2011
8781923 Aggregating a user's transactions across a plurality of service institutions 19 2011
9064281 Multi-panel user interface 1 2013
9508073 Shareable widget interface to mobile wallet functions 0 2014
9454758 Configuring a plurality of security isolated wallet containers on a single mobile device 1 2014
 
IRON MOUNTAIN INCORPORATED (1)
* 2004/0186,838 System for acquiring and managing digital records 1 2004
 
TAMIRAS PER PTE. LTD., LLC (1)
8788417 System and method for selection of payment systems from a payment system directory to process a transaction 0 2011
 
MPay Pty Limited (1)
* 2010/0280,946 TRANSACTION AUTHORISATION SYSTEM 2 2006
 
SMK-LINK ELECTRONICS CORPORATION (2)
6820804 Method and system for performing a purchase transaction using a remote control and a television 8 2000
* 2002/0066,784 Method and system for performing a purchase transaction using a home entertainment device and a signature capturing sensor 14 2000
 
Travelers Express Inc. (1)
* 2003/0014,368 Systems, methods and apparatus for secure printing of negotiable instruments 78 2002
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (1)
* 6269370 Web scan process 75 1998
 
SUPERMARKETS ONLINE, INC. (1)
6885994 System and method for providing shopping aids and incentives to customers through a computer network 86 2000
 
Visa U.S.A. Inc. (28)
8190530 Method and system for providing multiple services via a point-of-sale portal architecture 6 2002
7280981 Method and system for facilitating payment transactions using access devices 66 2002
6837425 Compact protocol and solution for substantially offline messaging between portable consumer device and based device 55 2002
7243853 Method and system for facilitating memory and application management on a secured token 85 2002
8626577 Network centric loyalty system 0 2003
7152780 Compact protocol and solution for substantially offline messaging between portable consumer device and base device 42 2004
7690560 Compact protocol and solution for substantially offline messaging between portable consumer device and base device 4 2006
9269082 Method and system for providing multiple services via a point-of-sale portal architecture 0 2006
7600670 Compact protocol and solution for substantially offline messaging between portable consumer device and base device 6 2006
* 2007/0057,034 Compact protocol and solution for substantially offline messaging between portable consumer device and base device 40 2006
7571141 Method and system for facilitating payment transactions using access devices 9 2007
7874492 Method and system for facilitating memory and application management on a secured token 2 2007
* 2007/0250,925 METHOD AND SYSTEM FOR FACILITATING MEMORY AND APPLICATION MANAGEMENT ON A SECURED TOKEN 4 2007
8010453 Method and system for facilitating payment transactions using access devices 1 2007
7711621 Method and system for facilitating payment transactions using access devices 22 2007
* 9647855 Mobile phone payment with disabling feature 0 2008
* 2008/0172,317 MOBILE PHONE PAYMENT WITH DISABLING FEATURE 19 2008
* 7827108 System and method of validating a relationship between a user and a user account at a financial institution 3 2008
* 2010/0131,408 System and Method of Validating a Relationship Between a User and a User Account at a Financial Institution 5 2008
8631231 Mobile device initiated transaction 5 2010
8011570 Compact protocol and solution for substantially offline messaging between portable consumer device and base device 1 2010
8215563 Method and system for facilitating memory and application management on a secured token 1 2010
8646684 Compact protocol and solution for substantially offline messaging between portable consumer device and base device 0 2011
8924299 Method and system for facilitating payment transactions using access devices 0 2012
9652765 System and method for implementing financial assistance programs 0 2013
8918637 Remote authentication system 0 2013
9160741 Remote authentication system 12 2014
* 9811823 Mobile device with disabling feature 0 2017
 
Paypal International Limited (2)
8301510 Electronic commerce for system registered consumers 12 2009
* 2009/0132,273 E-MAIL INVOKED ELECTRONIC COMMERCE 10 2009
 
PAYPAL, INC. (4)
7533064 E-mail invoked electronic commerce 53 1999
* 7552088 Personally customizable credit card accounts 0 2005
* 2005/0144,123 Personally customizable credit card accounts 1 2005
* 2014/0297,520 USE OF A DIGITAL WALLET APPLICATION 1 2014
 
MYFONTS INC. (1)
* 6853980 System for selecting, distributing, and selling fonts 54 1999
 
JPMORGAN CHASE BANK, N.A. (149)
8571975 System and method for sending money via E-mail over the internet 2 1999
7426530 System and method for providing customers with seamless entry to a remote server 33 2000
6867789 System and method for generating graphical user interfaces 34 2000
7058817 System and method for single sign on process for websites with multiple applications and services 94 2000
7747866 System and method providing improved error detection related to transmission of data over a communication link 11 2000
7321864 System and method for providing funding approval associated with a project based on a document collection 123 2000
* 6631849 Selectable multi-purpose card 500 2000
7246263 System and method for portal infrastructure tracking 17 2001
7103576 System for providing cardless payment 60 2001
7099850 Methods for providing cardless payment 55 2001
8438086 System and method for providing customers with seamless entry to a remote server 1 2001
7433829 System and method for managing global risk 11 2001
7512566 System and method for using a stored value account having subaccount feature 13 2001
7987501 System and method for single session sign-on 15 2001
* 2002/0152,288 System and method for providing automated database assistance to financial service operators 9 2002
7246324 Method and system for data capture with hidden applets 12 2002
7689506 System and method for rapid updating of credit information 18 2002
* 2003/0018,549 System and method for rapid updating of credit information 148 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 17 2002
8266437 Electronic vouchers and a system and method for issuing the same 0 2002
7809641 System and method for funding a collective account 14 2002
7860789 Multiple account advanced payment card and method of routing card transactions 18 2002
7058660 System and method for network-based project management 8 2002
* 2004/0068,517 System and method for network-based project management 8 2002
7689504 System and method for establishing or modifying an account with user selectable terms 42 2002
7165049 Sponsor funded stored value card 107 2002
8301493 System and method for providing incentives to consumers to share information 1 2002
7801816 System and method for currency selectable stored value instrument 2 2003
7676431 Method and system for processing internet payments using the electronic funds transfer network 30 2003
8239304 Method and system for providing pre-approved targeted products 1 2003
7353383 System and method for single session sign-on with cryptography 34 2003
8751391 System and process for performing purchase transactions using tokens 30 2003
7676425 Method and system for providing flexible financing 24 2003
8306907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7953663 System and method for financial instrument pre-qualification and offering 9 2003
7809595 System and method for managing risks associated with outside service providers 11 2003
8239323 Method and system for distribution of unactivated bank account cards 2 2003
7130828 Debit purchasing of stored value card for use by and/or delivery to others 55 2003
7376838 Method for controlled and audited access to privileged accounts on computer systems 16 2003
7421696 Methods and systems for managing successful completion of a network of processes 1 2004
7742997 System and method for management and delivery of content and rules 12 2004
8190893 Portable security transaction protocol 13 2004
7707111 Customer activated multi-value (CAM) card 35 2004
7349866 System and method for funding a collective account by use of an electronic tag 44 2004
7363273 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7174314 Debit purchasing of stored value card for use by and/or delivery to others 26 2004
7174315 Debit purchasing of stored value card for use by and/or deliveries to others 68 2004
7174316 Debit purchasing of stored value card for use by and/or delivery to others 27 2004
7174317 Debit purchasing of stored value card for use by and/or delivery to others 59 2004
7171388 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7191952 Selectable multi-purpose card 121 2004
8630898 Stored value card provided with merchandise as rebate 0 2005
7756896 System and method for multi-dimensional risk analysis 38 2005
7660763 Customer activated multi-value (CAM) card 20 2005
7263507 Customer activated multi-value (CAM) card 59 2005
8185877 System and method for testing applications 36 2005
7401731 Method and system for implementing a card product with multiple customized relationships 104 2005
7756816 System and method for network-based project management 4 2005
7801799 Customer activated multi-value (CAM) card 5 2005
8719085 System and method for administering a brokerage rebate card program 2 2006
7941355 Universal payment protection 5 2006
7783578 System for providing cardless payment 5 2006
7461265 System and method for single sign on process for websites with multiple applications and services 20 2006
7444672 System and method for single sign on process for websites with multiple applications and services 22 2006
7809642 Debit purchasing of stored value card for use by and/or delivery to others 5 2006
7591416 Selectable multi-purpose card 63 2006
7676429 Credit instrument and system providing multiple services including access to credit services and access to a service provider club 0 2006
7311244 System and method for funding a collective account by use of an electronic tag 29 2006
7306141 System and method for funding a collective account by use of an electronic tag 29 2006
7784682 System and method for granting promotional rewards to both customers and non-customers 5 2006
8583926 System and method for anti-phishing authentication 4 2006
7260549 Method and system for managing risk 31 2006
8781905 System and method for transponder-enabled account transactions 0 2006
7505918 Method and system for managing risks 5 2006
9646304 System for providing cardless payment 0 2006
7360693 System and method for a card benefit program providing benefits to program members based on program performance 42 2006
7753259 System and method for granting promotional rewards to both customers and non-customers 46 2006
8145522 System and method for establishing or modifying an account with user selectable terms 33 2006
7357331 Selectable multi-purpose card 57 2006
8793490 Systems and methods for multifactor authentication 4 2006
7966496 System and method for single sign on process for websites with multiple applications and services 15 2006
7603283 Method and system for managing risk 6 2007
8335855 System and method for portal infrastructure tracking 2 2007
7805368 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
8185940 System and method for providing discriminated content to network users 2 2007
7818253 Debit purchasing of stored value card for use by and/or delivery to others 5 2007
8020754 System and method for funding a collective account by use of an electronic tag 6 2007
7685013 System and method for automatic financial project management 26 2007
8849716 System and method for preventing identity theft or misuse by restricting access 2 2007
8800857 System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag 1 2007
8417601 Variable rate payment card 0 2007
8033451 System and method for funding a collective account by use of an electronic tag 1 2007
7809643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
8676642 System and method for granting promotional rewards to financial account holders 3 2008
7747463 Debit purchasing of stored value card for use by and/or delivery to others 30 2008
8473735 Systems and methods for managing digital certificates 5 2008
8533111 System and method for providing promotional pricing 0 2008
7890422 Multiple account advanced payment card and method of routing card transactions 30 2008
8245909 Method and system for implementing a card product with multiple customized relationships 2 2008
8590008 System and method for single sign on process for websites with multiple applications and services 14 2008
D602522 Transaction device 59 2008
8321682 System and method for generating and managing administrator passwords 3 2009
8725611 System and method for providing borrowing schemes 0 2009
8554652 System and method for providing borrowing schemes 0 2009
8078528 System and method for providing borrowing schemes 50 2009
9240089 Systems and methods for time variable financial authentication 1 2009
7926711 System and method for granting promotional rewards to both customers and non-customers 10 2009
8190522 System and method for providing borrowing schemes 3 2009
* 7962409 Method and system for processing internet payments using the electronic funds transfer network 8 2009
8408455 System and method for granting promotional rewards to both customers and non-customers 1 2009
8160960 System and method for rapid updating of credit information 37 2009
8095459 Method and system for providing flexible financing 1 2010
8645265 System and method for card processing with automated payment of club, merchant, and service provider fees 0 2010
8732072 System and method for establishing or modifying an account with user selectable terms 0 2010
9608826 System and method for partner key management 0 2010
8005756 Debit purchasing of stored value card for use by and/or delivery to others 3 2010
8517258 System and method for granting promotional rewards to both customers and non-customers 30 2011
8190521 Method for processing internet point of sale payment using automated teller machine switch settlement 2 2011
8175967 Method for processing internet point of sale payment using automated teller machine switch settlement 11 2011
8175968 Method and system for processing internet payments using the electronic funds transfer network 12 2011
8266054 System and method for implementing a consolidated application process 1 2012
8694425 Method and system for processing internet payments using the electronic funds transfer network 1 2012
8433652 Method and system for processing internet payments using the electronic funds transfer network 1 2012
8468092 Method and system for processing internet payments using the electronic funds transfer network 0 2012
8452703 Method and system for processing internet payments using the electronic funds transfer network 0 2012
8538876 System and method for providing borrowing schemes 0 2012
8463681 Method and system for distribution of unactivated bank account cards 0 2012
8458070 System and method for providing customers with seamless entry to a remote server 0 2012
8469265 Method and system for implementing a card product with multiple customized relationships 0 2012
9734484 System and method for implementing a consolidated application process 0 2012
8595083 Method and system for processing internet payments using the electronic funds transfer network 3 2012
8549315 System and method for generating and managing administrator passwords 1 2012
9064273 System and method for management and delivery of content and rules 0 2013
8706625 System and method for providing borrowing schemes 0 2013
9710851 System and method for generating graphical user interface 0 2013
8738521 Method and system for processing internet payments using the electronic funds transfer network 1 2013
8533086 Variable rate payment card 0 2013
8726011 Systems and methods for managing digital certificates 0 2013
8752759 Method and system for implementing a card product with multiple customized relationships 1 2013
9374366 System and method for anti-phishing authentication 0 2013
* 2014/0046,851 System and Method for Sending Money Via E-Mail Over the Internet 1 2013
8925802 Method and system for implementing a card product with multiple customized relationships 0 2014
9419957 Confidence-based authentication 0 2014
9240012 Systems and methods for multifactor authentication 0 2014
9667790 Method and system for conveying context data in a multi-channel and omni-channel environment 0 2015
9628488 Method and system for sensitive data abstraction 0 2015
9679293 Systems and methods for multifactor authentication 0 2015
9661021 System and method for anti-phishing authentication 0 2016
 
MICROSOFT TECHNOLOGY LICENSING, LLC (2)
* 6052710 System and method for making function calls over a distributed network 234 1996
* 2006/0200,464 Method and system for generating a document summary 46 2005
 
DELL SOFTWARE INC. (14)
7904949 Apparatus, systems and methods to provide authentication services to a legacy application 35 2005
8087075 Disconnected credential validation using pre-fetched service tickets 20 2006
8429712 Centralized user authentication system apparatus and method 8 2006
7895332 Identity migration system apparatus and method 15 2007
8086710 Identity migration apparatus and method 14 2007
8245242 Systems and methods for managing policies on a computer 11 2009
8346908 Identity migration apparatus and method 12 2011
8584218 Disconnected credential validation using pre-fetched service tickets 4 2011
8533744 Systems and methods for managing policies on a computer 5 2012
8966045 Identity migration apparatus and method 0 2012
RE45327 Apparatus, systems and methods to provide authentication services to a legacy application 0 2013
8978098 Centralized user authentication system apparatus and method 0 2013
9288201 Disconnected credential validation using pre-fetched service tickets 0 2013
9130847 Systems and methods for managing policies on a computer 0 2014
 
STRAGENT, LLC (3)
8204945 Hash-based systems and methods for detecting and preventing transmission of unwanted e-mail 9 2008
8272060 Hash-based systems and methods for detecting and preventing transmission of polymorphic network worms and viruses 5 2010
8166549 Hash-based systems and methods for detecting and preventing transmission of polymorphic network worms and viruses 0 2010
 
FEXCO MERCHANT SERVICES (1)
7458507 ATM machine and methods with currency conversion capabilities 41 2007
 
MERCURY KINGDOM ASSETS LIMITED (1)
6662340 Client-side form filler that populates form fields based on analyzing visible field labels and visible display format hints without previous examination or mapping of the form 128 2002
 
AVAGO TECHNOLOGIES GENERAL IP (SINGAPORE) PTE. LTD. (1)
* 2013/0061,290 SYSTEM FOR SECURELY PERFORMING A TRANSACTION 1 2012
 
QUALCOMM INCORPORATED (1)
8396809 Method for reducing purchase time 1 2002
 
THOMSON REUTERS GLOBAL RESOURCES (2)
8352379 Method for certifying and verifying digital web content using public cryptography 0 2001
* 2003/0158,823 Method for certifying and verifying digital web content using public cryptography 11 2003
 
REVOLUTION MONEY INC. (1)
* 2010/0325,053 SYSTEM AND METHOD FOR NEW EXECUTION AND MANAGEMENT OF FINANCIAL AND DATA TRANSACTIONS 3 2010
 
Electronic Warfare Associates (1)
* 2002/0055,911 System and method for controlling online purchases using an online account 49 2001
 
INTUIT INC. (2)
7395241 Consumer-directed financial transfers using automated clearinghouse networks 77 2000
7720760 Consumer-directed financial transfers using automated clearinghouse networks 8 2008
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
* 6996543 System for protection of goods against counterfeiting 56 1998
 
DELL PRODUCTS L.P. (10)
* 2004/0111,326 Method and system for information handling system consumables automated ordering 11 2002
* 2005/0192,817 System and method for information handling system consumable automatic ordering 2 2004
7216951 Print cartridge ordering system 12 2004
* 2005/0253,887 Print cartridge ordering system 1 2004
7577591 System and method for generating a product order from a product sample 3 2007
* 2008/0177,788 System and Method for Generating a Product Order From a Product Sample 0 2007
7660539 Printer consumable ordering direct from printer 7 2007
* 2009/0016,743 Printer Consumable Ordering Direct From Printer 9 2007
8255984 Single sign-on system for shared resource environments 22 2010
9576140 Single sign-on system for shared resource environments 0 2012
 
CRS LLC (1)
6401077 Method and system for providing additional behavior through a web page 121 1999
 
DoubleCredit.com, Inc. (1)
6999943 Routing methods and systems for increasing payment transaction volume and profitability 370 2000
 
TARGET BRANDS, INC. (2)
8489452 Systems and methods for providing a user incentive program using smart card technology 9 2003
9152973 Systems and methods for providing a user incentive program using circuit chip technology 0 2013
 
TACTILIS SDN BHD (1)
9607189 Smart card system comprising a card and a carrier 1 2015
 
RPX CORPORATION (4)
7587368 Information record infrastructure, system and method 140 2001
8566247 System and method for secure communications involving an intermediary 16 2008
8904181 System and method for secure three-party communications 21 2012
9419951 System and method for secure three-party communications 0 2014
 
FIRST DATA MERCHANT SERVICES (1)
7219832 ATM machine and methods with currency conversion capabilities 11 2005
 
EWI HOLDINGS, INC. (1)
9558484 System and method for electronic prepaid account replenishment 0 2015
 
CHART TRADING DEVELOPMENT, LLC (7)
7991679 Systems and methods for providing a trading interface 2 2000
* 2002/0029,180 Systems and methods for providing a trading interface 33 2000
8041626 Systems and methods for providing a trading interface 1 2007
7890416 Systems and methods for providing a trading interface 4 2007
* 2007/0226,126 SYSTEMS AND METHODS FOR PROVIDING A TRADING INTERFACE 14 2007
8060435 Systems and methods for providing a trading interface 1 2010
* 2010/0325,029 SYSTEMS AND METHODS FOR PROVIDING A TRADING INTERFACE 2 2010
 
PAYBYCLICK CORPORATION (3)
* 2002/0111,907 Systems and methods for conducting electronic commerce transactions requiring micropayment 207 2002
* 2004/0225,573 Methods and apparatus for anonymously transacting internet shopping and shipping 33 2003
* 2008/0147,506 METHOD AND APPARATUS FOR CONDUCTING ELECTRONIC COMMERCE TRANSACTIONS USING ELECTRONIC TOKENS 15 2008
 
PAYWITHMYBANK, INC. (2)
8825545 System and method for facilitating on-line payment 0 2004
* 2007/0100,770 System and method for facilitating on-line payment 7 2004
 
CARDINALCOMMERCE CORPORATION (1)
* 2013/0073,458 OPEN WALLET FOR ELECTRONIC TRANSACTIONS 2 2012
 
BGC PARTNERS, INC. (1)
* 2003/0154,152 Systems and methods for quoting a two-sided market 41 2001
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (4)
* 8083134 System and method for new execution and management of financial and data transactions 0 2006
* 2007/0119,918 System and method for new execution and management of financial and data transactions 3 2006
8413896 System and method for new execution and management of financial and data transactions 1 2010
9010633 System and method for new execution and management of financial and data transactions 0 2013
* Cited By Examiner