US Patent No: 5,826,243

Number of patents in Portfolio can not be more than 2000

Integrated system for controlling master account and nested subaccount(s)

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Abstract

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Data processing for an improved securities brokerage/cash management system which supervises, implements and coordinates a composite account having a master account and one or more subaccount(s). The nested subaccounts incorporate a subset of features corresponding to the specific needs dictated by the purpose of the subaccount and thus streamline system operation for the recordkeeper.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
BANK OF AMERICA CORPORATIONCHARLOTTE, NC1208

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Musmanno, Thomas Warren, NJ 3 691
Ur, Kelly East Brunswick, NJ 5 691

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (29)
6,915,277 Method for dual credit card system 86 2000
* 2002/0091,637 Systems and methods for administering return sweep accounts 87 2002
7,774,274 Payment card processing system and methods 9 2003
* 2004/0117,300 Payment card processing system and methods 73 2003
* 2006/0010,056 System and method for high-yield returns in riskless-principal interest rate/yield arbitrage 9 2005
* 2008/0262,956 System and Method for High-Yield Investment Returns in Riskless-Principal Interest Rate/Yield Arbitrage 4 2005
7,840,486 System and method for performing secure credit card purchases 22 2005
* 2006/0031,161 System and method for performing secure credit card purchases 13 2005
* 2006/0155,638 System & method for the creation of a global secure computerized electronic market-making exchange for currency yields arbitrage 28 2005
* 2006/0167,780 College savings plan account registry and method 8 2006
8,095,393 Method and system for automated processing of insurance information 0 2006
* 2006/0241,982 Method and system for automated processing of insurance information 21 2006
* 2007/0118,449 Trust-linked debit card technology 75 2006
* 2008/0065,532 REVENUE-PRODUCING BANK CARD SYSTEM & METHOD PROVIDING THE FUNCTIONALITY & PROTECTION OF TRUST-CONNECTED BANKING 109 2007
* 2009/0106,140 GLOBAL FIDUCIARY-BASED FINANCIAL SYSTEM FOR YIELD & INTEREST RATE ARBITRAGE 4 2007
* 2008/0215,500 SYSTEM AND A METHOD OF PROFITING OR GENERATING INCOME FROM THE BUILT-IN EQUITY IN REAL ESTATE ASSETS OR ANY OTHER FORM OF ILLIQUID ASSET 7 2007
* 2009/0030,853 SYSTEM AND A METHOD OF PROFITING OR GENERATING INCOME FROM THE BUILT-IN EQUITY IN REAL ESTATE ASSETS OR ANY OTHER FORM OF ILLIQUID ASSET 18 2008
* 2008/0281,749 SYSTEM AND METHOD FOR HIGH-YIELD RETURNS IN RISKLESS-PRINCIPAL INTEREST RATE/YIELD ARBITRAGE 0 2008
7,945,506 Transaction and account management system 2 2009
* 2010/0063,940 TRANSACTION AND ACCOUNT MANAGEMENT SYSTEM 0 2009
* 2010/0268,615 FINANCIAL CARD ACCOUNT HAVING MULTIPLE BALANCES AND END USER SELECTED DEBITING PARAMETERS FOR DEBITING A POINT OF SALE TRANSACTION 2 2010
8,036,988 System and method for performing secure credit card transactions 4 2010
8,112,352 Electronic system and method for executing a trade 0 2011
* 2012/0089,510 Fee Management System 0 2011
8,326,742 Programmed trading system 0 2012
8,326,744 Electronic transaction system and method 0 2012
8,577,789 Electronic transaction processor system 0 2012
9,026,469 Electronic manager of financial information for retail transactions 0 2013
9,202,216 Electronic retail financial transaction manager 0 2015
 
UNITED PARCEL SERVICE OF AMERICA, INC. (2)
7,577,598 Account opening facilitation system, method and computer program product 6 2002
* 2004/0153,424 Methods, systems, and computer-readable products for allocating shipment cost to cost center using procurement card 6 2003
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (6)
7,451,134 Method and apparatus for facilitating data management over a network 14 2005
8,170,932 System and method for data management and financial transaction categorization 10 2008
8,639,622 Budget management system and method 1 2010
8,700,503 System and method for data management and financial transaction categorization 0 2012
8,719,132 Financial management system and method with debt management 0 2012
8,620,780 System and method for data management and financial transaction categorization 0 2012
 
CITIBANK, N.A. (1)
7,092,905 Systems and methods for the processing of financial transactions 77 2001
 
SONY CORPORATION (1)
8,090,764 Communication system, communication apparatus, communication method, storage medium, and package medium 3 2002
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
8,793,160 System and method for processing transactions 0 2003
 
Money Network Financial, LLC (4)
8,365,987 Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods 0 2007
* 2008/0067,241 Pre-Allocated Negotiable Instrument And Presentation Instrument Purchasing And Activation Systems And Methods 1 2007
8,286,860 Negotiable instrument to presentation instrument value porting systems and methods 0 2007
8,775,279 Payroll receipt using a trustee account systems and methods 0 2008
 
THE WESTERN UNION COMPANY (6)
8,015,085 System for distributing funds 33 2004
8,818,904 Generation systems and methods for transaction identifiers having biometric keys associated therewith 1 2007
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 9 2007
8,504,473 Money transfer system and messaging system 3 2007
8,762,267 Money transfer system and messaging system 0 2013
9,123,044 Generation systems and methods for transaction identifiers having biometric keys associated therewith 0 2014
 
Anova Financial Corporation (5)
7,904,372 Methods and systems for facilitating transactions between commercial banks and pooled depositor groups 34 2003
7,895,099 Methods and systems for facilitating transactions between commercial banks and pooled depositor groups 33 2004
* 2007/0276,752 Methods and Systems for Facilitating Transactions Between Commercial Banks and Pooled Depositor Groups 63 2004
8,090,651 Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits 32 2010
8,301,560 Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits 0 2011
 
FOLIOfn, Inc. (1)
* 2003/0229,561 Method and apparatus for converting collectively owned investment accounts and pooled investment accounts and vehicles into individually owned accounts 26 2003
 
BLACKROCK, INC. (1)
7,403,918 Investment portfolio compliance system 9 2002
 
CALLAHAN CELLULAR L.L.C. (5)
7,905,399 Linking transaction cards with spending accounts 2 2006
7,922,083 Payment programs for healthcare plans 7 2006
7,590,557 Healthcare card incentive program for multiple users 15 2006
* 2007/0185,801 Healthcare Card Incentive Program For Multiple Users 5 2006
7,949,543 Methods, systems, and computer program products for promoting healthcare information technologies to card members 0 2007
 
WELLS FARGO FOOTHILL, LLC (2)
* 2006/0047,724 Method and apparatus for retrieving and processing data 15 2005
* 2007/0162,769 Multiple trust modes for handling data 2 2007
 
FISERV, INC. (3)
* 2011/0213,707 SYSTEMS AND METHODS FOR FACILITATING PERSON-TO-PERSON PAYMENTS 4 2010
8,874,480 Centralized payment method and system for online and offline transactions 0 2012
8,626,659 Facilitating presentation of content relating to a financial transaction 0 2012
 
YALE UNIVERSITY (1)
* 2003/0110,111 Home equity insurance financial product 77 2002
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (34)
7,889,052 Authorizing payment subsequent to RF transactions 4 2003
7,668,750 Securing RF transactions using a transactions counter 2 2004
8,548,927 Biometric registration for facilitating an RF transaction 3 2004
* 7,360,689 Method and system for proffering multiple biometrics for use with a FOB 13 2004
7,303,120 System for biometric security using a FOB 61 2004
7,172,112 Public/private dual card system and method 65 2004
7,639,116 Converting account data associated with a radio frequency device 2 2004
* 6,991,157 System and method for re-associating an account number to another transaction account 50 2004
* 2004/0232,225 SYSTEM AND METHOD FOR RE-ASSOCIATING AN ACCOUNT NUMBER TO ANOTHER TRANSACTION ACCOUNT 16 2004
7,119,659 Systems and methods for providing a RF transaction device for use in a private label transaction 67 2004
9,024,719 RF transaction system and method for storing user personal data 0 2004
7,705,732 Authenticating an RF transaction using a transaction counter 14 2004
8,818,907 Limiting access to account information during a radio frequency transaction 0 2004
7,746,215 RF transactions using a wireless reader grid 3 2005
8,872,619 Securing a transaction between a transponder and a reader 0 2007
8,294,552 Facial scan biometrics on a payment device 4 2007
8,074,889 System for biometric security using a fob 9 2007
7,988,038 System for biometric security using a fob 6 2007
7,814,332 Voiceprint biometrics on a payment device 22 2007
7,637,434 Registering a biometric for radio frequency transactions 7 2007
7,578,448 Authorizing radio frequency transactions using a keystroke scan 1 2007
7,506,818 Biometrics for radio frequency payment transactions 10 2007
7,500,616 Authenticating fingerprints for radio frequency payment transactions 10 2007
8,289,136 Hand geometry biometrics on a payment device 1 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 17 2007
7,690,577 Registering a biometric for radio frequency transactions 7 2007
7,506,819 Biometric security using a fob 9 2007
RE43157 System and method for reassociating an account number to another transaction account 14 2008
7,886,157 Hand geometry recognition biometrics on a fob 1 2008
RE45615 RF transaction device 0 2008
RE43460 Public/private dual card system and method 0 2009
RE45416 Processing an RF transaction using a routing number 0 2012
9,336,634 Hand geometry biometrics on a payment device 0 2012
 
THIRD ACT LLC (5)
7,143,064 Controlled entertainment spending account 21 2001
* 2001/0034,703 Controlled entertainment spending account 8 2001
* 2004/0093,303 Third party debit card 121 2003
* 7,653,595 Controlled entertainment spending account 0 2006
* 2007/0118,475 Controlled entertainment spending account 16 2006
 
Goldman, Sachs & Co. (5)
7,236,955 Method for structuring a transaction 26 2001
* 2002/0194,109 Method for structuring a transaction 2 2001
7,310,616 Method for structuring a transaction 24 2002
8,600,853 Method for structuring a transaction 0 2007
* 2008/0126,268 METHOD FOR STRUCTURING A TRANSACTION 3 2007
 
CISCO TECHNOLOGY, INC. (2)
* 7,774,483 Supporting a community of subscribers in an environment using a service selection gateway (SSG) 4 2002
* 2010/0228,860 Supporting a Community of Subscribers in an Environment Using a Service Selection Gateway (SSG) 0 2010
 
RESERVE MANAGEMENT CORPORATION (3)
6,374,231 Money fund banking system 125 1998
* 2006/0212,389 SYSTEMS AND METHODS FOR ADMINSTERING RETURN SWEEP ACCOUNTS 61 2002
8,311,916 Systems and methods for administering return sweep accounts 18 2011
 
OneCore Financial Network, Inc. (1)
6,606,606 Systems and methods for performing integrated financial transaction 206 1999
 
CheckFree Services Corporation (1)
8,620,782 Inter-network electronic billing 1 2009
 
LEVENSON, JAY (2)
* 7,840,495 System and method for the payment and accounting of petty disbursements 0 2001
* 2003/0028,492 System and method for the payment and accounting of petty disbursements 11 2001
 
GTX Corp (2)
* 7,676,432 Methods and apparatus for transacting electronic commerce using account hierarchy and locking of accounts 7 2003
* 2005/0010,483 Methods and apparatus for transacting electronic commerce using account hierarchy and locking of accounts 79 2003
 
FIRST DATA CORPORATION (13)
* 7,340,423 Method for defining a relationship between an account and a group 8 1999
* 7,076,465 Methods for processing a group of accounts corresponding to different products 65 1999
* 7,050,996 Method for linking accounts corresponding to different products together to create a group 78 1999
6,993,510 System and method for managing accounts 29 2002
* 2004/0019,543 Systems and methods for non-account based liability reporting 16 2002
* 2003/0171,992 System and methods for redeeming rewards associated with accounts 66 2003
* 7,316,350 Multi-purse card system and methods 10 2003
* 2004/0211,830 Multi-purse card system and methods 22 2003
7,949,594 Systems and methods for participant controlled communications regarding financial accounts 1 2003
8,606,631 Chasing rewards associated with accounts 0 2007
8,073,736 Systems and methods for redeeming rewards associated with accounts 0 2007
* 8,762,275 Systems and methods providing multiple account holder functionality 0 2009
* 2010/0268,645 SYSTEMS AND METHODS PROVIDING MULTIPLE ACCOUNT HOLDER FUNCTIONALITY 4 2009
 
FIRST DATA RESOURCES INC. (1)
* 2004/0030,657 Financial transaction account usage parameter access and control method 53 2001
 
KHALID, ATM SHAFIQUL (1)
* 2007/0164,098 Staging of Financial Accounts: The Ultimate Charge Account and Ultimate Credit/ATM Card 28 2005
 
VANTEQ, INC. (1)
* 7,089,202 Method and system for internet banking and financial services 133 2000
 
GOLDENSOURCE CORPORATION (2)
6,513,019 Financial consolidation and communication platform 335 1999
7,310,615 Financial data reporting system with alert notification feature and free-form searching capability 30 2002
 
Oltine Acquistitions NY LLC (1)
7,970,626 Facilitating payments to health care providers 2 2005
 
TRADEWEB MARKETS LLC (8)
7,433,842 Method and system for effecting straight-through-processing of trades of various financial instruments 8 2004
* 2004/0236,668 Method and system for effecting straight-through-processing of trades of various financial instruments 10 2004
7,734,518 Method and system for effecting straight-through-processing of trades of various financial instruments 7 2005
* 2005/0234,807 Method and system for effecting straight-through-processing of trades of various financial instruments 12 2005
7,769,678 Method and system for effecting straight-through-processing of trades of various financial instruments 0 2008
7,756,777 Method and system for administering prime brokerage 1 2008
* 2008/0281,750 METHOD AND SYSTEM FOR ADMINISTERING PRIME BROKERAGE 6 2008
7,882,019 Method and system for effecting straight-through-processing of trades of various financial instruments 1 2010
 
E*Trade Financial Corporation (4)
* 7,778,913 Online trading system having real-time account opening 2 2001
* 2002/0143,686 Online trading system having real-time account opening 11 2001
* 8,538,857 Online trading system having real-time account opening 0 2010
* 2010/0274,707 ONLINE TRADING SYSTEM HAVING REAL-TIME ACCOUNT OPENING 0 2010
 
Money Networks Financial, LLC (1)
8,700,507 Payer-based account porting to portable value distribution systems and methods 0 2007
 
BROADRIDGE SECURITIES PROCESSING SOLUTIONS, INC. (5)
7,689,489 Methods and systems for assisting financial services firms and their representatives 6 2001
7,653,564 Methods and systems for providing a measure of supervision over the activities of representatives of a business 1 2001
7,349,865 Methods and systems for monitoring the efficacy of a marketing project 4 2001
* 2003/0023,477 Methods and systems for providing a measure of supervision over the activities of representatives of a business 4 2001
* 2003/0023,475 Methods and systems for monitoring the efficacy of a marketing project 1 2001
 
MARKET SHIELD CAPITAL, LLC (8)
7,155,468 Common index securities 15 2004
* 2004/0254,871 Common index securities 7 2004
7,716,106 Common index securities 2 2006
8,468,079 Index-based liquidity system and method 0 2008
8,082,202 Market-indexed mortgage system and method 5 2009
* 2010/0063,941 INFLATION-INDEXED PAYMENT STREAM PROCESSOR 1 2009
8,346,654 Indexed payment stream system and method 0 2010
8,484,117 Multi-input system that makes index-based adjustments 0 2010
 
PAYPAL, INC. (9)
* 2006/0064,378 METHOD AND APPARATUS FOR MAINTAINING LINKED ACCOUNTS 26 2004
7,945,512 Spending and savings secondary linked accounts 34 2007
* 2008/0228,637 SPENDING AND SAVINGS SECONDARY LINKED ACCOUNTS 23 2007
* 2009/0164,374 System and Methods for One Time Check Numbers 1 2007
8,626,650 Gradual conversion of financial accounts 0 2008
8,249,986 Methods and systems of controlling activities of financial accounts 8 2008
8,484,127 System and method for managing allocation of funds between a plurality of entities 1 2009
* 2010/0191,629 SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES 6 2010
* 8,732,076 Methods and systems for providing a savings goal 1 2012
 
INVESTIGO CORPORATION (1)
* 2009/0006,267 SYSTEMS AND METHODS FOR COMPLIANCE SCREENING AND ACCOUNT MANAGEMENT IN THE FINANCIAL SERVICES INDUSTRY 19 2007
 
ISLAND INTELLECTUAL PROPERTY LLC (59)
7,752,129 Systems and methods for managing client accounts 48 2000
7,519,551 Systems and methods for administering return sweep accounts 66 2002
* 2008/0046,361 SYSTEMS AND METHODS FOR ADMINISTERING RETURN SWEEP ACCOUNTS 5 2002
7,680,734 Money fund banking system 56 2002
7,536,350 Systems and methods for providing enhanced account management services for multiple banks 69 2003
7,509,286 Systems and methods for money fund banking with flexible interest allocation 116 2003
RE43246 Money fund bank system 27 2004
7,672,886 Systems and methods for managing client accounts 50 2005
* 2005/0228,733 Systems and methods for managing client accounts 130 2005
8,150,766 System and method for investing public deposits 19 2006
7,752,107 System and method for managing aggregated accounts 51 2007
7,680,716 System and method for allocating excess funds in aggregated control account 52 2007
7,672,901 System and method for holdback procedure for after-hours transactions 53 2007
7,672,902 System and method for pre-funding interest for early termination of client account having funds in one or more aggregated accounts 54 2007
7,668,771 System and method for allocation to obtain zero activity in a selected aggregated account 51 2007
7,809,640 Money fund banking system 47 2007
7,769,688 Money fund banking system 45 2007
7,716,131 Money fund banking system with multiple banks and/or rates 49 2007
8,380,621 Systems, methods and program products for swap processing for uninsured accounts 18 2008
7,668,772 Systems and methods for money fund banking with flexible interest allocation 55 2008
8,032,456 System, methods and program products for processing for a self clearing broker dealer 41 2008
8,355,985 Systems and methods for providing enhanced account management services for multiple banks 17 2009
8,290,859 Systems and methods for providing enhanced account management services for multiple banks 18 2009
8,290,860 Systems and methods for providing enhanced account management services for multiple banks 18 2009
7,933,821 Systems and methods for administering return sweep accounts 45 2009
8,560,442 Systems and methods for providing enhanced account management services for multiple banks 1 2009
8,498,933 Systems and methods for providing enhanced account management services for multiple banks 8 2009
8,401,962 Systems and methods for providing enhanced account management services for multiple banks 23 2009
8,290,861 Systems and methods for providing enhanced account management services for multiple banks 18 2009
8,386,383 Money fund banking system with multiple banks and/or rates 13 2009
8,781,931 Method and system for allocating deposits over a plurality of depository institutions 1 2009
8,019,667 Systems and methods for money fund banking with flexible interest allocation 42 2010
8,019,668 System and method for allocation to obtain zero activity in a selected aggregated account with holdback 40 2010
8,311,939 Method and system for allocating deposits over a plurality of depository institutions 19 2010
8,352,342 Method and system for determining fees for deposits allocated over a plurality of deposit institutions 21 2010
7,996,308 System and method for managing aggregated accounts 40 2010
8,370,236 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 18 2010
8,260,705 Systems, methods and program products for deposit and withdrawal processing 18 2010
8,589,289 System, method and program product for administering fund movements 1 2011
8,458,089 System, method and program product for administering fund movements using depository institution groups 10 2011
8,260,697 Systems and methods for money fund banking with flexible interest allocation 19 2011
8,239,321 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 20 2011
8,452,702 System, method and program product for minimizing fund movements 10 2011
8,583,545 Systems and methods for money fund banking with flexible interest allocation 1 2011
8,359,267 System and method for investing public deposits 12 2011
8,386,382 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 12 2012
8,688,577 Systems, methods and program products for deposit and withdrawal processing 1 2012
8,566,200 Systems and methods for money fund banking with flexible interest allocation 1 2012
8,566,201 Systems and methods for money fund banking with flexible interest allocation 1 2012
8,655,689 System, method and program product for modeling fund movements 1 2012
8,612,324 Systems and methods for administering return sweep accounts 1 2012
8,719,157 System and method for investing public deposits 1 2012
8,521,569 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 2 2013
8,571,960 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 1 2013
8,571,984 Systems and methods for providing enhanced account management services for multiple banks 1 2013
8,719,062 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 1 2013
8,712,911 System and method for investing public deposits 1 2013
8,606,676 System and method for allocating excess funds in control account 1 2013
9,374,370 Invariant biohash security system and method 0 2015
 
JPMORGAN CHASE BANK, N.A. (57)
7,433,829 System and method for managing global risk 11 2001
* 7,809,641 System and method for funding a collective account 13 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 14 2002
7,801,816 System and method for currency selectable stored value instrument 2 2003
8,239,304 Method and system for providing pre-approved targeted products 1 2003
8,751,391 System and process for performing purchase transactions using tokens 2 2003
7,676,425 Method and system for providing flexible financing 24 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7,953,663 System and method for financial instrument pre-qualification and offering 7 2003
7,809,595 System and method for managing risks associated with outside service providers 11 2003
7,707,111 Customer activated multi-value (CAM) card 34 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 24 2004
7,660,763 Customer activated multi-value (CAM) card 20 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 93 2005
7,801,799 Customer activated multi-value (CAM) card 5 2005
7,941,355 Universal payment protection 5 2006
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 5 2006
7,591,416 Selectable multi-purpose card 58 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 4 2006
7,505,918 Method and system for managing risks 5 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 43 2006
7,357,331 Selectable multi-purpose card 57 2006
7,603,283 Method and system for managing risk 6 2007
7,818,253 Debit purchasing of stored value card for use by and/or delivery to others 5 2007
8,020,754 System and method for funding a collective account by use of an electronic tag 5 2007
8,800,857 System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag 1 2007
8,417,601 Variable rate payment card 0 2007
8,033,451 System and method for funding a collective account by use of an electronic tag 1 2007
7,809,643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
8,676,642 System and method for granting promotional rewards to financial account holders 2 2008
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 29 2008
8,533,111 System and method for providing promotional pricing 0 2008
7,890,422 Multiple account advanced payment card and method of routing card transactions 21 2008
8,245,909 Method and system for implementing a card product with multiple customized relationships 2 2008
D602522 Transaction device 57 2008
8,725,611 System and method for providing borrowing schemes 0 2009
8,554,652 System and method for providing borrowing schemes 0 2009
8,078,528 System and method for providing borrowing schemes 27 2009
9,240,089 Systems and methods for time variable financial authentication 0 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 10 2009
8,190,522 System and method for providing borrowing schemes 3 2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers 0 2009
8,447,670 Universal payment protection 1 2009
8,095,459 Method and system for providing flexible financing 1 2010
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 2 2010
8,145,549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8,517,258 System and method for granting promotional rewards to both customers and non-customers 4 2011
8,473,395 Universal payment protection 1 2011
8,447,672 Universal payment protection 1 2011
8,515,868 Multiple account advanced payment card and method of routing card transactions 1 2011
8,538,876 System and method for providing borrowing schemes 0 2012
8,469,265 Method and system for implementing a card product with multiple customized relationships 0 2012
8,706,625 System and method for providing borrowing schemes 0 2013
8,533,086 Variable rate payment card 0 2013
8,752,759 Method and system for implementing a card product with multiple customized relationships 1 2013
8,751,383 Multiple account advanced payment card and method of routing card transactions 0 2013
8,925,802 Method and system for implementing a card product with multiple customized relationships 0 2014
 
CashEdge, Inc. (30)
7,797,207 Method and apparatus for analyzing financial data 48 2000
* 7,383,223 Method and apparatus for managing multiple accounts 97 2000
8,249,983 Method and apparatus for managing transactions 0 2001
* 2002/0091,635 Method and apparatus for managing transactions 173 2001
7,203,845 Multiple trust modes for handling data 50 2002
* 2003/0135,752 Multiple trust modes for handling data 1 2002
8,086,508 Method and apparatus for delegating authority 33 2002
* 2003/0236,728 Method and apparatus for managing a financial transaction system 85 2003
7,536,340 Compliance monitoring method and apparatus 43 2003
* 2004/0236,653 System and method for associating identifiers with data 12 2004
* 2005/0187,867 System and method for associating identifiers with transactions 15 2005
7,873,677 Method and apparatus for retrieving and processing data 36 2005
* 2007/0067,239 Method and Apparatus for Transferring Financial Information 25 2006
7,505,937 Method and apparatus for implementing financial transactions 42 2007
7,321,874 Method and apparatus for implementing financial transactions 96 2007
7,321,875 Method and apparatus for implementing financial transactions 88 2007
7,657,761 Multiple trust modes for handling data 38 2007
* 2008/0015,982 Funds transfer method and system including payment enabled invoices 16 2007
8,266,065 Method and apparatus for managing transactions 0 2007
8,255,336 Method and apparatus for managing transactions 0 2007
8,229,850 Method and apparatus for managing transactions 2 2007
* 2008/0082,454 Method and Apparatus for Managing Transactions 10 2007
* 2008/0288,400 Centralized Payment Method and System for Online and Offline Transactions 14 2008
* 2008/0301,023 Multi-Channel and Cross-Channel Account Opening 10 2008
* 2010/0030,687 Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks 61 2009
* 2009/0292,632 Compliance Monitoring Method and Apparatus 8 2009
* 2009/0276,359 Multi-Product-Multi-Channel Payment Platform System and Method 10 2009
* 2010/0042,539 Money Movement Network Hub System 3 2009
* 2010/0299,286 Method and Apparatus for Analyzing Financial Data 5 2010
* 2013/0132,305 METHOD AND APPARATUS FOR ANALYZING FINANCIAL DATA 0 2013
 
BANK OF AMERICA CORPORATION (10)
6,173,270 Stock option control and exercise system 169 1997
* 6,026,438 Dynamic workstation configuration processor 96 1997
* 6,108,641 Integrated nested account financial system with medical savings subaccount 274 1998
6,473,807 System for invocation of CICS programs as database stored procedures 18 1998
6,269,346 Stock option control and exercise system 81 1999
7,212,993 Security receipts management system 23 2000
* 7,133,840 Integrated nested account financial system with medical savings subaccount 87 2000
7,702,527 Techniques for illustrating and analyzing long term health care expenses 5 2001
7,970,675 Security receipts management system 0 2007
* 2007/0174,182 Security receipts management system 2 2007
 
Orbis Patents Limited (10)
7,571,142 Credit card system and method 38 2000
7,433,845 Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions 111 2000
7,136,835 Credit card system and method 112 2000
7,593,896 Credit card system and method 32 2000
7,567,934 Credit card system and method 38 2002
* 2003/0028,481 Credit card system and method 296 2002
8,527,416 Business-to-business commerce using financial transaction numbers 1 2008
8,676,707 Credit cards system and method having additional features 0 2008
7,895,122 Person-to-person, person-to business and business-to-business financial transaction system 20 2008
8,756,150 Credit card system and method 0 2009
 
MACROMARKETS LLC (2)
6,513,020 Proxy asset data processor 95 1999
* 2002/0194,099 Proxy asset system and method 130 2002
 
Obis Patents Ltd. (1)
6,636,833 Credit card system and method 267 1999
 
CASH EDGE, INC. (1)
* 2008/0208,737 Funds Transfer Method and Apparatus 5 2008
 
OLTINE ACQUISITIONS NY L.L.C. (1)
* 2008/0183,627 Filtered healthcare payment card linked to tax-advantaged accounts 0 2007
 
MOEB $ERVICES, INC. (1)
* 2005/0065,872 Risk identification system and methods 96 2004
 
Newdea, Inc. (9)
* 2004/0133,489 Philanthropy management apparatus, system, and methods of use and doing business 4 2002
* 2005/0033,669 Philanthropy management system and methods of use and doing business 28 2004
* 2007/0021,973 Automated community to exchange philanthropy information 11 2006
* 2007/0106,575 Philanthropy management and metrics system 2 2006
8,712,877 Philanthropy management apparatus, system, and methods of use and doing business 8 2007
* 2008/0288,374 PHILANTHROPY MANAGEMENT APPARATUS, SYSTEM, AND METHODS OF USE AND DOING BUSINESS 4 2007
7,448,534 Philanthropy management apparatus, system, and methods of use and doing business 5 2007
* 2007/0198,372 PHILANTHROPY MANAGEMENT APPARATUS, SYSTEM, AND METHODS OF USE AND DOING BUSINESS 2 2007
* 2007/0136,147 PHILANTHROPY MANAGEMENT APPARATUS, SYSTEM, AND METHODS OF USE AND DOING BUSINESS 2 2007
 
Moebs $ervices, Inc. (1)
8,533,084 Risk identification system and methods 0 2012
 
III HOLDINGS 1, LLC (50)
8,429,041 Systems and methods for managing account information lifecycles 1 2003
8,543,423 Method and apparatus for enrolling with multiple transaction environments 0 2003
7,306,158 Clear contactless card 11 2003
7,925,535 System and method for securing RF transactions using a radio frequency identification device including a random number generator 3 2004
7,542,942 System and method for securing sensitive information during completion of a transaction 19 2004
7,503,480 Method and system for tracking user performance 8 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 20 2004
8,960,535 Method and system for resource management and evaluation 0 2004
7,363,504 Method and system for keystroke scan recognition biometrics on a smartcard 38 2004
* 7,341,181 Method for biometric security using a smartcard 44 2004
* 7,325,724 Method for registering a biometric for use with a smartcard 40 2004
* 7,318,550 Biometric safeguard method for use with a smartcard 56 2004
7,314,164 System for biometric security using a smartcard 51 2004
* 7,314,165 Method and system for smellprint recognition biometrics on a smartcard 41 2004
* 2006/0016,875 METHOD FOR REGISTERING A BIOMETRIC FOR USE WITH A SMARTCARD 15 2004
* 2006/0016,877 BIOMETRIC SAFEGUARD METHOD WITH A SMARTCARD 30 2004
* 2006/0016,870 METHOD AND SYSTEM FOR SMELLPRINT RECOGNITION BIOMETRICS ON A SMARTCARD 3 2004
* 2006/0000,892 METHOD FOR BIOMETRIC SECURITY USING A SMARTCARD 8 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 4 2004
7,587,756 Methods and apparatus for a secure proximity integrated circuit card transactions 12 2004
7,805,378 System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions 8 2004
7,996,324 Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia 16 2004
8,635,131 System and method for managing a transaction protocol 0 2004
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 20 2005
7,650,314 System and method for securing a recurrent billing transaction 14 2005
8,001,054 System and method for generating an unpredictable number using a seeded algorithm 13 2006
9,031,880 Systems and methods for non-traditional payment using biometric data 0 2006
7,451,924 System for biometric security using a smartcard 10 2007
7,451,925 System for biometric security using a smartcard 9 2007
* 2008/0011,830 SYSTEM FOR BIOMETRIC SECURITY USING A SMARTCARD 5 2007
* 2008/0010,214 SYSTEM FOR BIOMETRIC SECURITY USING A SMARTCARD 4 2007
7,445,149 System for biometric security using a smartcard 5 2007
7,438,234 System for biometric security using a smartcard 13 2007
7,533,827 Smartcard transaction method and system using signature recognition 3 2007
7,530,493 Smartcard transaction method and system using iris scan recognition 3 2007
7,523,860 Smartcard transaction method and system using facial scan recognition 13 2007
7,510,115 Smartcard transaction method and system using auditory scan recognition 3 2007
7,506,806 Smartcard transaction method and system using fingerprint recognition 43 2007
7,497,375 Smartcard transaction method and system using smellprint recognition 3 2007
7,494,058 Smartcard transaction method and system using voiceprint recognition 15 2007
7,597,265 Method and system for vascular scan recognition with a smartcard 8 2007
7,594,612 Smartcard transaction method and system using retinal scan recognition 6 2007
* 2008/0173,708 BIOMETRIC SAFEGUARD METHOD WITH A SMARTCARD 3 2007
7,694,876 Method and system for tracking user performance 7 2008
7,793,845 Smartcard transaction system and method 3 2009
8,016,191 Smartcard transaction system and method 29 2010
8,360,322 System and method of a smartcard transaction with biometric scan recognition 3 2011
 
The Royal Bank of Scotland, Intellectual Property Unit, Group Secretariat (1)
* 2011/0093,386 TRANSACTION SYSTEM AND METHOD 2 2009
 
Intertainer, Inc. (4)
7,870,592 Method for interactive video content programming 44 2001
* 2002/0144,283 Content distribution system 64 2001
8,468,099 Digital entertainment service platform 1 2009
8,479,246 System and method for interactive video content programming 16 2012
 
Moebs Services, Inc. (1)
7,676,408 Risk identification system and methods 1 2004
 
SCIAC INVESTMENT LTD. (3)
8,165,941 Method and system for integrating savings and credits with different interest rates 1 2009
* 2010/0114,759 METHOD AND SYSTEM FOR INTEGRATING SAVINGS AND CREDITS WITH DIFFERENT INTEREST RATES 0 2009
8,374,936 Method and system for integrating savings and credits with different interest rates 0 2012
 
BANK RHODE ISLAND (1)
* 2005/0097,017 Financial funding system and methods 28 2004
 
NOLAND, CATHLEEN (2)
* 2006/0271,470 Method and system for internet banking and financial services 7 2006
* 2006/0271,465 Method and system for internet banking and financial services 8 2006
 
F. POSZAT HU, L.L.C. (1)
* 7,184,979 Dual accounts banking system 22 2000
 
AMERICAN EXPRESS COMPANY (1)
* 2007/0011,088 Assured Payments for Health Care Plans 10 2005
 
AT&T CORP. (1)
* 5,950,174 Affiliation-based arrangement for billing 153 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
7,783,566 Consolidated payment account system and method 9 2002
* 2003/0023,549 Consolidated payment account system and method 129 2002
8,504,474 Consolidated payment account system and method 0 2010
 
TCF Financial Corporation (7)
7,398,919 Transaction card system and approach 48 2004
* 2006/0131,392 Transaction card system and approach 1 2004
7,594,606 Transaction card system and approach 3 2008
7,930,229 Debit card billing system and method 0 2009
7,912,774 Transaction card system and approach 0 2009
8,600,891 Systems, approaches and methods involving deferring debit payment for debit-card transactions 0 2009
* 2010/0001,068 Debit Card Billing System and Method Involving Multiple Accounts 0 2009
* Cited By Examiner