Personal online banking with integrated online statement and checkbook user interface

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO

5903881

SERIAL NO

08869580

5 Status Updates

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A software product, computer implemented method, and system provide an integrated user interface having three simultaneously displayed items of information, including a list of transaction instructions, a list of uncleared transactions, and a list of cleared transactions. The simultaneous display, and interaction between the lists, provides for integration of various tasks separately associated with personal finance software products and with online banking products. Two account balances are also simultaneously displayed, a balance for cleared transactions, and a separate balance based on both cleared and uncleared transactions. The two balances provide the user with a complete view of the status of their account and available funds. The software product and system supports online bill payment, electronic funds transfer, and checkbook transactions, without requiring navigation through multiple, separate user interfaces for different modules of the product.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
INTUIT INC.MOUNTAIN VIEW, CA800

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Altekruse, Charles A Atherton, CA 1 570
Bhatt, Patanjali Santa Clara, CA 9 580
Schrader, Joseph A Los Altos, CA 27 1431

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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* Cited By Examiner

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Forward Cite Landscape

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7941346 Wide area network person-to-person payment 0 2008
7937292 Wide area network person-to-person payment 9 2008
* 2009/0094,149 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 2 2008
* 2009/0094,155 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 4 2008
* 2009/0089,210 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 2 2008
* 2009/0048,967 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 2 2008
* 2009/0048,974 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 3 2008
* 2009/0024,523 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 3 2008
8955741 Money transfer systems and methods for travelers 0 2009
7950575 Method and system for performing money transfer transactions 0 2010
* 2010/0179,908 Method And System For Performing Money Transfer Transactions 0 2010
8286861 Cash payment for remote transactions 3 2011
8271382 Systems and methods of introducing and receiving information across a computer network 2 2011
8584934 Cash payment for remote transactions 2 2012
8960537 Money transfer systems and methods 0 2012
8851371 In-lane money transfer systems and methods 0 2013
8762267 Money transfer system and messaging system 0 2013
9098849 Cash payment for remote transactions 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
 
Pitney Bowes Inc. (1)
* 2003/0074,288 System and method for electronically reconciling financial accounts 7 2001
 
HITACHI, LTD. (1)
* 2005/0218,211 Communication terminal device 7 2004
 
T. Rowe Price Associates, Inc. (1)
* 7577597 System for financial planning 19 1999
 
MONEYGRAM PAYMENT SYSTEMS, INC. (1)
* 2005/0004,869 System and method for managing virtual inventory of payment instruments 1 2003
 
MONEYCAT LTD. (2)
* 7590602 Electronic currency, electronic wallet therefor and electronic payment systems employing them 13 2000
8712918 Electronic currency, electronic wallet therefor and electronic payment systems employing them 0 2012
 
H&R BLOCK SERVICES, INC. (1)
8301520 Tax return signature systems and methods 0 2009
 
United States Automobile Association (USAA) (1)
7949587 Systems and methods for financial deposits by electronic message 32 2008
 
United Services Auto Association (USAA) (1)
8538124 Systems and methods for real-time validation of check image quality 2 2007
 
CITICORP DEVELOPMENT CENTER, INC. (2)
6850991 Systems and methods for distributing information to a diverse plurality of devices 6 1999
* 2005/0135,345 Systems and methods for distributing information to a diverse plurality of devices 3 2005
 
KABUSHIKI KAISHA TOSHIBA (3)
7647257 System and method for web access to financial data 3 2003
* 2004/0225,603 System and method for web access to financial data 28 2003
* 2004/0267,747 Transaction processing system supporting concurrent accesses to hierarchical data by transactions 54 2004
 
ELECTRONIC PAYMENT SERVICES, INC. (1)
* 2003/0182,227 Payment monitoring system 17 2002
 
XIGN (1)
8554673 Methods and systems for discounts management 0 2004
 
CITICORP CREDIT SERVICES, INC. (USA) (5)
* 8452704 Method and system for on-line payments 1 2001
8065226 Method and system for performing a cash transaction with a self-service financial transaction terminal 1 2001
* 2002/0069,170 Method and system for performing a cash transaction with a self-service financial transaction terminal 17 2001
8364589 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2011
8554672 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2012
 
Canon Kabushiki Kaisha (1)
* 2004/0207,707 Both-side recording apparatus 2 2004
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (4)
* 7188240 Method and system for encryption of web browser cache 33 1999
7134093 Graphical user interface for direct control of display of data 43 2001
* 2002/0154,173 Graphical user interface for direct control of display of data 28 2001
* 2002/0010,660 Hosting service system of household account information, household account server, account information providing server, household account information processing server, and method for providing household account information using network and storage medium 1 2001
 
SAP SE (5)
8510182 Systems and methods for managing and reporting financial information 1 2005
* 2005/0222,945 Systems and methods for managing and reporting financial information 78 2005
* 8782015 Systems and methods for processing data in a web services environment 0 2006
7739193 Paying multiple payees through integration of a third-party on-line payment system with an enterprise information technology system 1 2006
* 2008/0162,341 Paying multiple payees through integration of a third-party on-line payment system with an enterprise information technology system 17 2006
 
U.S. BANK NATIONAL ASSOCIATION (1)
* 7792717 Waterfall prioritized payment processing 66 2004
 
KEYCORP LIMITED (2)
* 6119104 Composite banking desktop system 81 1997
* 6760414 Personal computer banking system and method 36 1997
 
VICAM, L.P. (1)
* 2006/0147,894 Jacketed vessel for holding semen for sex biasing mammals through artificial insemination and systems and methods for enhancing the probability of sex biasing using the same 29 2005
 
BALLY GAMING, INC. (1)
* 2007/0173,322 Gaming network environment providing a cashless gaming service 62 2004
 
FINNAVATIONS LLC (2)
* 7389915 Financial management system 6 2000
9569755 Financial management system 0 2012
 
FUJITSU LIMITED (3)
* 7143058 Notifying program and detailed statement display method 20 2002
* 2003/0023,524 Notifying program and detailed statement display method 7 2002
* 2004/0162,737 Agreement management system 5 2004
 
J.P. MORGAN CHASE & CO (1)
7831508 System and method for implementing a consolidated application process 1 2000
 
United Services Automobile Association (USAA) (1)
9569756 Systems and methods for image monitoring of check during mobile deposit 0 2013
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (2)
8484046 Method and apparatus for internet on-line insurance policy service 0 2010
8712795 Method and apparatus for internet on-line insurance policy service 0 2012
 
SCOTT V. ANDERSON AND SUSAN POTTISH, TRUSTEES UNDER THE SCOTT V. ANDERSON AND SUSAN POTTISH TRUST AGREEMENT DATED DECEMBER 1, 2005 (2)
* 7346555 Method and apparatus for client-in-charge business transaction processing 2 2003
* 2004/0267,627 Method and apparatus for client-in-charge business transaction processing 3 2003
 
FIRST DATA CORPORATION (14)
* 2004/0034,583 Systems and methods for performing electronic check commerce 13 2002
* 2004/0088,238 Method and system for monitoring electronic transactions 44 2002
* 2004/0006,537 Method and system for processing credit card related transactions 41 2003
* 2005/0137,979 Apparatus and method for amount verification of paper checks for electronic redeposit 4 2003
* 2006/0253,321 Loyalty enrollment systems and methods 53 2005
* 2006/0253,320 Loyalty systems and methods 33 2005
7463946 Mail handling equipment and methods 7 2005
* 2005/0261,801 Mail handling equipment and methods 0 2005
7587342 Method for requesting and receiving an online payment through a payment enabler system 10 2006
* 2008/0191,006 ATM With Award Feature 5 2007
7783571 ATM system for receiving cash deposits from non-networked clients 44 2007
7610222 Method for providing a money transfer service through a payment enabler system 19 2007
* 2009/0048,688 Method and System for Monitoring Electronic Transactions 2 2008
* 2009/0024,495 Method and System for Monitoring Electronic Transactions 2 2008
 
U.S. BANCORP LICENSING, INC. (1)
7702577 System and method for conversion of initial transaction to final transaction 22 2004
 
MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC. (1)
* 2012/0101,835 TRANSACTIONAL SERVICES 19 2011
 
SAP AG (2)
* 2007/0300,176 Entering Information in Input Field 3 2006
* 2008/0162,340 Integrating enterprise information technology systems with a third-party on-line payment system 2 2006
 
EXIT-CUBE (HONG KONG) LIMITED (7)
* 7810133 Encrypting operating system 15 2003
* 2004/0091,114 Encrypting operating system 67 2003
* 2009/0158,299 System for and method of uniform synchronization between multiple kernels running on single computer systems with multiple CPUs installed 57 2008
* 8407761 Encrypting operating system 3 2010
* 2010/0217,970 ENCRYPTING OPERATING SYSTEM 9 2010
* 9098712 Encrypting operating system 0 2013
* 2013/0290,727 ENCRYPTING OPERATING SYSTEM 0 2013
 
Jaffe, Max (1)
7398236 Method and medium for budgeting 2 2001
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (1)
8725607 Electronic payment clearing and check image exchange systems and methods 1 2004
 
PAYFORMANCE CORPORATION (1)
* 2006/0282,381 Customizable payment system and method 50 2006
 
JP MORGAN CHASE (2)
7814003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
* 2006/0095,374 System and method for supply chain financing 50 2005
 
KORALA ASSOCIATES LIMITED (1)
* 7747527 Apparatus and method for providing transaction services 12 1999
 
E*Trade (1)
* 6922813 Page prerequisite control mechanism 8 2001
 
IGT (16)
* 2002/0039,921 Method and apparatus for monitoring player loss in a gaming environment 41 2001
* 2002/0151,359 Player account access and management system 50 2002
8452687 Method and apparatus for facilitating and monitoring monetary transactions and rewards in a gaming environment 13 2002
* 2003/0004,871 Method and apparatus for facilitating and monitoring monetary transactions and rewards in a gaming environment 89 2002
* 2004/0142,750 Method and apparatus for use of a network by a casino 75 2003
8123616 Methods and apparatus for limiting access to games using biometric data 32 2003
7867083 Methods and apparatus for limiting access to games using biometric data 34 2003
* 2004/0192,438 Method and apparatus for limiting access to games using biometric data 74 2003
7526447 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment 13 2003
* 2004/0039,695 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment 20 2003
7828652 Player verification method and system for remote gaming terminals 61 2004
* 2005/0181,870 PLAYER VERIFICATION METHOD AND SYSTEM FOR REMOTE GAMING TERMINALS 97 2004
7704145 Method and apparatus for use of a network by a casino 6 2006
* 2007/0015,587 Method and apparatus for use of a network by a casino 11 2006
8135644 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment 20 2009
* 2009/0176,561 METHOD AND APPARATUS FOR FACILITATING MONETARY AND REWARD TRANSACTIONS AND ACCOUNTING IN A GAMING ENVIRONMENT 7 2009
 
ECHECK21, L.L.C. (2)
7113925 Electronic check 117 2005
* 2006/0161,501 Electronic check 49 2005
 
IP DEVELOPMENT VENTURE (1)
9201966 System and method for prior art analytics and mapping 0 2011
 
FTF TECHNOLOGIES INC. (7)
* 2002/0072,920 Computer implemented method of generating information disclosure statements 11 2000
* 2002/0065,675 Computer implemented method of managing information disclosure statements 9 2001
* 2002/0065,677 Computer implemented method of managing information disclosure statements 13 2001
* 2002/0065,676 Computer implemented method of generating information disclosure statements 8 2001
* 2002/0111,824 Method of defining workflow rules for managing intellectual property 80 2001
* 2002/0111,953 Docketing system 21 2001
* 2004/0006,594 Data access control techniques using roles and permissions 21 2002
 
Visa U.S.A. Inc. (2)
* 7827108 System and method of validating a relationship between a user and a user account at a financial institution 2 2008
* 2010/0131,408 System and Method of Validating a Relationship Between a User and a User Account at a Financial Institution 5 2008
 
United Services Automobile Association (46)
8799147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 0 2006
8708227 Systems and methods for remote deposit of checks 2 2006
8351677 Systems and methods for remote deposit of checks 11 2006
7885451 Systems and methods for displaying negotiable instruments derived from various sources 38 2006
7876949 Systems and methods for remote deposit of checks 36 2006
7873200 Systems and methods for remote deposit of checks 34 2006
8959033 Systems and methods for verification of remotely deposited checks 1 2007
8433127 Systems and methods for real-time validation of check image quality 2 2007
* 8856639 Systems and methods for online document sign-up 0 2007
8358826 Systems and methods for receiving and orienting an image of one or more checks 10 2007
8046301 Systems and methods to modify a negotiable instrument 30 2007
8001051 Systems and methods to modify a negotiable instrument 31 2007
7996314 Systems and methods to modify a negotiable instrument 29 2007
7996315 Systems and methods to modify a negotiable instrument 29 2007
7996316 Systems and methods to modify a negotiable instrument 31 2007
8320657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 19 2007
8290237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 14 2007
7900822 Systems, methods, and apparatus for receiving images of one or more checks 33 2007
7896232 Systems, methods, and apparatus for receiving images of one or more checks 31 2007
* 8374963 Method and system for electronic checking 1 2008
8351678 Duplicate check detection 7 2008
8422758 Systems and methods of check re-presentment deterrent 10 2008
7974899 Atomic deposit transaction 81 2008
7962411 Atomic deposit transaction 79 2008
7885880 Atomic deposit transaction 80 2008
8391599 Systems and methods for adaptive binarization of an image 2 2008
7970677 Systems and methods for financial deposits by electronic message 35 2008
8452689 Systems and methods of check detection 3 2009
8380591 System and method for providing warning and protection for bill payments 0 2009
8542921 Systems and methods for remote deposit of negotiable instrument using brightness correction 3 2009
8977571 Systems and methods for image monitoring of check during mobile deposit 1 2009
8699779 Systems and methods for alignment of check during mobile deposit 2 2009
8392332 Systems and methods for remote deposit of checks 6 2010
9129340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8464933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8837806 Remote deposit image inspection apparatuses, methods and systems 2 2011
8688579 Automatic remote deposit image preparation apparatuses, methods and systems 8 2011
9159101 Image processing 0 2011
9311634 Systems and methods for automatic bill pay enrollment 0 2012
8611635 Duplicate check detection 1 2012
9286514 Character count determination for a digital image 0 2013
9158966 Character count determination for a digital image 0 2013
9224136 Systems and methods for remote deposit of checks 0 2014
9336517 Systems and methods for alignment of check during mobile deposit 0 2014
9177197 Systems and methods for alignment of check during mobile deposit 0 2014
9177198 Systems and methods for alignment of check during mobile deposit 0 2014
 
PAYPAL, INC. (6)
* 7263527 Grouping selected transactions in account ledger 14 1997
7664705 Methods and systems for accepting offers via checks 6 2004
* 2005/0027,650 Methods and systems for accepting offers via checks 28 2004
* 2006/0064,378 METHOD AND APPARATUS FOR MAINTAINING LINKED ACCOUNTS 27 2004
8175963 Methods and systems for accepting offers via checks 1 2010
* 2010/0191,629 SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES 6 2010
 
GUIDEWIRE SOFTWARE, INC. (1)
* 2011/0137,771 Method and Apparatus Pertaining to Provision and Use of a Unified Account Current and Statement Billing Workflow 1 2009
 
JPMORGAN CHASE BANK, N.A. (189)
* 7809636 System and method for multicurrency and multibank processing over a non-secure network 1 1999
8571975 System and method for sending money via E-mail over the internet 0 1999
7945492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 7 2000
7805365 Automated statement presentation, adjustment and payment system and method therefor 23 2000
7068832 Lockbox imaging system 49 2000
7426530 System and method for providing customers with seamless entry to a remote server 32 2000
6867789 System and method for generating graphical user interfaces 32 2000
7058817 System and method for single sign on process for websites with multiple applications and services 76 2000
7747866 System and method providing improved error detection related to transmission of data over a communication link 7 2000
8015084 System and method for linked account having sweep feature 6 2000
7321864 System and method for providing funding approval associated with a project based on a document collection 119 2000
7584125 Electronic check presentment system and method having an item sequence capability 2 2000
* 2003/0208,421 Electronic check presentment system and method having an item sequence capability 98 2000
7295999 System and method for determining eligibility and enrolling members in various programs 56 2000
7822656 International banking system and method 10 2001
8805739 System and method for electronic bill pay and presentment 0 2001
7580890 System and method for supervising account management operations 5 2001
* 2002/0046,049 System and method for supervising account management operations 6 2001
7246263 System and method for portal infrastructure tracking 17 2001
7103576 System for providing cardless payment 46 2001
7099850 Methods for providing cardless payment 45 2001
8285641 System and method for selectable funding of electronic transactions 1 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
7546272 Trade receivable processing method and apparatus 29 2002
7454373 System and method for providing automated database assistance to financial service operators 0 2002
7246324 Method and system for data capture with hidden applets 12 2002
7689482 System and method for payer (buyer) defined electronic invoice exchange 38 2002
7519560 System and method for electronic authorization of batch checks 39 2002
7437327 Method and system for buyer centric dispute resolution in electronic payment system 52 2002
* 2003/0220,858 Method and system for collaborative vendor reconciliation 51 2002
7401048 System and method for trade settlement tracking and relative ranking 76 2002
* 2003/0046,219 System and method for trade settlement tracking and relative ranking 0 2002
7536354 Methods for electronic multiparty accounts receivable and accounts payable systems 109 2002
7689506 System and method for rapid updating of credit information 18 2002
7143174 Method and system for delayed cookie transmission in a client-server architecture 6 2002
7587363 System and method for optimized funding of electronic transactions 132 2002
7472171 Method and system for determining receipt of a delayed cookie in a client-server architecture 16 2002
8266437 Electronic vouchers and a system and method for issuing the same 0 2002
7058660 System and method for network-based project management 7 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
7627521 System and method for processing mircotransactions 9 2003
7428531 Customer information management system and method 9 2003
7769650 Network-based sub-allocation systems and methods for swaps 32 2003
7353383 System and method for single session sign-on with cryptography 30 2003
7899753 Systems and methods for time variable financial authentication 7 2003
8306907 System and method for offering risk-based interest rates in a credit instrument 2 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
8630947 Method and system for providing electronic bill payment and presentment 14 2004
7742997 System and method for management and delivery of content and rules 9 2004
* 2005/0273,347 Method and system for processing payment items at a central processor 19 2004
8190893 Portable security transaction protocol 10 2004
7676751 System and method for processing applicant input information 17 2004
8290862 Method and system for expediting payment delivery 1 2004
7613656 Coupon payment system 3 2004
* 2006/0074,897 System and method for dynamic data masking 12 2004
* 2006/0089,891 System and method for generating expense information 5 2004
* 2010/0174,826 Information gathering system and method 5 2004
7983468 Method and system for extracting information from documents by document segregation 6 2005
* 2006/0177,118 Method and system for extracting information from documents by document segregation 9 2005
* 2006/0149,664 Marketing system and method 11 2005
7380707 Method and system for credit card reimbursements for health care transactions 102 2005
* 2010/0121,743 System and method for generating dividend information 0 2005
* 2006/0026,019 System and method for measuring communication-system infrastructure usage 7 2005
7360686 Method and system for discovering significant subsets in collection of documents 2 2005
* 2006/0255,124 Method and system for discovering significant subsets in collection of documents 5 2005
8121944 Method and system for facilitating network transaction processing 78 2005
7676409 Method and system for emulating a private label over an open network 51 2005
8185877 System and method for testing applications 31 2005
7822684 Personalized bank teller machine 10 2005
* 2006/0038,004 Personalized bank teller machine 72 2005
7925578 Systems and methods for performing scoring optimization 7 2005
7373304 System and method for integrated customer management 7 2005
7269567 System and method for integrated customer management 4 2005
7756816 System and method for network-based project management 2 2005
8290863 Method and system for expediting payment delivery 1 2005
* 2007/0055,625 Method and system for expediting payment delivery 7 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
7822682 System and method for enhancing supply chain transactions 47 2006
8583926 System and method for anti-phishing authentication 2 2006
7317823 Lockbox imaging system 78 2006
7406426 System and method for integrated customer management 8 2006
7660764 Service charge adjustment platform 1 2006
7801814 System and method for selectable funding of electronic transactions 15 2006
7734545 Method and system for processing recurring payments 41 2006
8301529 Method and system for implementing effective governance of transactions between trading partners 1 2006
8145522 System and method for establishing or modifying an account with user selectable terms 17 2006
8468071 Processing transactions using a register portion to track transactions 1 2006
* 2007/0094,154 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS 18 2006
8793490 Systems and methods for multifactor authentication 3 2006
7366698 Trade receivable processing method and apparatus 7 2006
7966496 System and method for single sign on process for websites with multiple applications and services 12 2006
8296160 System and method for integrated customer management 2 2006
8335855 System and method for portal infrastructure tracking 2 2007
8185940 System and method for providing discriminated content to network users 1 2007
8768836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image 1 2007
7685013 System and method for automatic financial project management 22 2007
* 2008/0027,861 SYSTEM AND METHOD FOR AUTOMATIC FINANCIAL PROJECT MANAGEMENT 11 2007
7916925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
8849716 System and method for preventing identity theft or misuse by restricting access 0 2007
* 2008/0040,249 METHOD FOR TRANSACTION PROCESSING IN A CAPTURE AND DEPOSIT 14 2007
7471818 Lockbox imaging system 56 2007
8118216 Method and system for discovering significant subsets in collection of documents 10 2007
* 2008/0061,136 METHDO AND SYSTEM FOR DISCOVERING SIGNIFICANT SUBSETS IN COLLECTION OF DOCUMENTS 1 2007
7680735 Trade receivable processing method and apparatus 37 2007
* 7949579 System and method for associating financial transaction data with a user's project data 4 2007
* 2009/0150,265 System and Method for Associating Financial Transaction Data with a User's Project Data 10 2007
7766244 System and method for processing transactions using a multi-account transactions device 44 2007
7707089 Method and system for automating fraud authorization strategies 14 2008
8788281 System and method for processing qualified healthcare account related financial transactions 0 2008
8473735 Systems and methods for managing digital certificates 5 2008
7743979 Method and system for credit card reimbursements for health care transactions 40 2008
7660765 System and method for processing microtransactions 6 2008
8762270 System and method for providing supplemental payment or transaction information 0 2008
8112355 Method and system for buyer centric dispute resolution in electronic payment system 0 2008
8391584 Method and system for duplicate check detection 0 2008
7668363 Lockbox imaging system 44 2008
* 2009/0060,314 LOCKBOX IMAGING SYSTEM 6 2008
8590008 System and method for single sign on process for websites with multiple applications and services 3 2008
8622308 System and method for processing transactions using a multi-account transactions device 0 2009
8321682 System and method for generating and managing administrator passwords 3 2009
9240089 Systems and methods for time variable financial authentication 0 2009
8459562 System and method for processing transactions using a multi-account transactions device 3 2009
8065231 Trade receivable processing method and apparatus 1 2009
8160960 System and method for rapid updating of credit information 27 2009
8386381 Method and system for detecting, monitoring and addressing data compromises 7 2009
8027914 System and method for providing instant-decision, financial network-based payment cards 0 2010
8045784 Lockbox imaging system 36 2010
8170936 Method and system for emulating a private label over an open network 1 2010
8732072 System and method for establishing or modifying an account with user selectable terms 0 2010
8447641 System and method for automatically enrolling buyers into a network 0 2010
8032438 Method and system for automating fraud authorization strategies 8 2010
7904388 Method and system for processing recurring payments 0 2010
8015096 Network-based sub-allocation systems and methods for swaps 0 2010
8160942 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2010
8380597 International banking system and method 0 2010
8589288 System and method for electronic remittance of funds 0 2010
8554631 Method and system for determining point of sale authorization 4 2010
8121385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011
8543503 Systems and methods for automated invoice entry 0 2011
8543504 Systems and methods for automated invoice entry 0 2011
8239270 Method for associating financial transaction data with user's project data 1 2011
8204804 System for associating financial transaction data with user's project data 2 2011
* 2011/0218,893 System for Associating Financial Transaction Data with User's Project Data 0 2011
8244625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2011
8447666 System and method for associating financial transaction data with user's project data using a portable electronic device 1 2011
8170952 System and method for providing instant-decision, financial network-based payment cards 0 2011
8429072 System and method for processing microtransactions 0 2011
8429069 System and method for processing microtransactions 0 2011
8266054 System and method for implementing a consolidated application process 0 2012
8396798 Method and system for facilitating network transaction processing 0 2012
8321310 Interactive account management system and method 0 2012
8458070 System and method for providing customers with seamless entry to a remote server 0 2012
8332273 System and method for associating financial transaction data with a user's project data 0 2012
8484129 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2012
D678653 Drive-up financial transaction machine 14 2012
8762260 Systems and methods for performing scoring optimization 0 2012
* 8930267 Automated transactions clearing system and method 0 2012
8639017 Method and system for duplicate check detection 0 2012
8549315 System and method for generating and managing administrator passwords 0 2012
9020850 Method and system for implementing effective governance of transactions between trading partners 0 2012
8566187 Interactive account management system and method 0 2012
8498909 System and method for associating financial transaction data with user's project data in cash transactions 0 2012
9064273 System and method for management and delivery of content and rules 0 2013
8924289 International banking system and method 0 2013
D693984 Drive-up financial transaction machine 6 2013
8515836 System and method for associating financial transaction data with user's project data using a portable electronic device 1 2013
9092447 Method and system for duplicate detection 0 2013
D690074 Financial transaction machine 6 2013
8738475 System and method for associating financial transaction data with a user's project data using a portable electronic device 0 2013
8726011 Systems and methods for managing digital certificates 0 2013
8725602 System and method for associating financial transaction data with user's project data in real time 0 2013
8706579 Interactive account management system and method 0 2013
8712874 System and method for associating financial transaction data with a user's project data using a portable electronic device 0 2013
8712875 System and method for associating financial transaction data with user's project data 0 2013
9286637 Adaptive and customizable account interface system and method 0 2013
9111278 Method and system for determining point of sale authorization 1 2013
9374366 System and method for anti-phishing authentication 0 2013
9058626 System and method for financial services device usage 0 2013
* 2014/0074,700 Automated Transactions Clearing System and Method 0 2013
9424609 Interactive account management system and method 0 2014
9419957 Confidence-based authentication 0 2014
9240012 Systems and methods for multifactor authentication 0 2014
9460469 System and method for financial services device usage 0 2015
 
STRAGENT, LLC (1)
* 8571980 System, method and computer program product for transferring money 2 2006
 
MICROSOFT TECHNOLOGY LICENSING, LLC (26)
* 6128603 Consumer-based system and method for managing and paying electronic billing statements 407 1997
6304857 Distributed electronic billing system with gateway interfacing biller and service center 141 1998
6968319 Electronic bill presentment and payment system with bill dispute capabilities 70 1999
6839687 Consumer-based system and method for managing and paying electronic billing statements 42 1999
* 6792422 Automatic categorization of financial transactions 43 2000
7822683 System and method for secure third-party development and hosting within a financial services network 2 2000
* 2001/0032,181 System and method for secure third-party development and hosting within a financial services network 121 2000
7827102 System and method for secure distribution of information via email 9 2000
* 2002/0026,396 System and method facilitating personal electronic financial transactions 39 2000
* 2001/0037,315 System and method for secure distribution of information via eMail 117 2000
* 8793185 System and method for securing information distribution via email 0 2001
* 2002/0065,772 System, method and program for network user access 28 2001
* 7240028 Automated financial register reconciliation in a combined user interface 26 2002
* 2002/0173,986 Automatic categorization of financial transactions 28 2002
7516101 Electronic bill presentment and payment system with bill dispute capabilities 5 2004
7478066 Electronic bill presentment and payment system 19 2004
* 2005/0102,231 Electronic bill presentment and payment system with bill dispute capabilities 8 2004
7620602 System and method for secure third-party development and hosting within a financial services network 2 2004
* 2005/0131,814 System and method for secure third-party development and hosting within a financial services network 3 2004
7636689 Consumer-based system and method for managing and paying electronic billing statements 6 2004
7610245 Consumer-based system and method for managing and paying electronic billing statements 5 2004
* 2005/0080,736 Consumer-based system and method for managing and paying electronic billing statements 3 2004
* 2005/0065,883 Consumer-based system and method for managing and paying electronic billing statements 5 2004
* 2006/0195,393 Creation of recurring transactions 1 2005
* 2005/0197,957 Parcel manager for distributed electronic billing system 17 2005
* 2011/0035,303 System and Method for Secure Third-Party Development and Hosting within a Financial Services Network 3 2010
 
CashEdge, Inc. (11)
* 7797207 Method and apparatus for analyzing financial data 51 2000
* 2003/0236,728 Method and apparatus for managing a financial transaction system 88 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 17 2005
* 2008/0015,982 Funds transfer method and system including payment enabled invoices 20 2007
8255336 Method and apparatus for managing transactions 0 2007
* 2008/0082,454 Method and Apparatus for Managing Transactions 10 2007
* 2008/0301,022 Real-Time Core Integration Method and System 8 2008
* 2008/0301,023 Multi-Channel and Cross-Channel Account Opening 10 2008
* 2009/0292,632 Compliance Monitoring Method and Apparatus 8 2009
* 2010/0299,286 Method and Apparatus for Analyzing Financial Data 5 2010
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
* 6282523 Method and apparatus for processing checks to reserve funds 109 1998
 
AccuBalance Corporation (3)
* 7044365 Method for reconciling a financial account from a portable account register 21 2003
* 2004/0108,376 Personal digital account register 2 2003
* RE44059 Method for reconciling a financial account from a portable account register 0 2006
 
Value Engineering Co. (1)
* 2004/0215,565 Personal integrated banking 17 2001
 
METAVANTE CORPORATION (5)
* 7386516 System and method for providing secure services over public and private networks using a removable portable computer-readable storage 11 1999
7669233 Methods and systems for secure transmission of identification information over public networks 2 2005
7222365 Non-algorithmic vectored steganography 0 2005
* 2006/0005,037 Non-algorithmic vectored steganography 0 2005
* 2005/0228,755 Methods and systems for secure transmission of identification information over public networks 1 2005
 
EFUNDS CORPORATION (1)
* 2003/0135,457 Method and apparatus for providing online financial account services 30 2002
 
QUALCOMM INCORPORATED (12)
8510220 Methods and systems for viewing aggregated payment obligations in a mobile environment 14 2006
8489067 Methods and systems for distribution of a mobile wallet for a mobile device 15 2006
8467766 Methods and systems for managing payment sources in a mobile environment 14 2006
8160959 Methods and systems for payment transactions in a mobile environment 27 2006
8145568 Methods and systems for indicating a payment in a mobile environment 15 2006
8121945 Methods and systems for payment method selection by a payee in a mobile environment 35 2006
* 2008/0040,265 Methods and Systems For Making a Payment Via A Stored Value Card in a Mobile Environment 199 2006
* 2008/0006,685 Methods and Systems For Real Time Account Balances in a Mobile Environment 66 2006
* 2008/0010,193 Methods and Systems For Payment Method Selection by a Payee in a Mobile Environment 54 2006
* 2008/0010,191 Methods and Systems For Providing a Payment in a Mobile Environment 62 2006
* 2008/0010,204 Methods and Systems For Making a Payment Via a Paper Check in a Mobile Environment 61 2006
* 2010/0198,733 Enabling Payment Using Paperless Image Of A Check 10 2009
 
VERIZON PATENT AND LICENSING INC. (7)
7881962 Early-payment discount for E-billing system 7 2001
7216104 Disallow payment for E-billing system 6 2001
* 2001/0051,918 Disallow payment for E-billing system 4 2001
* 2001/0051,919 Early-payment discount for E-billing system 41 2001
7308434 Account management tool for e-billing system 4 2001
8121894 Early-payment discount for e-billing system 1 2010
* 2010/0332,309 EARLY-PAYMENT DISCOUNT FOR E-BILLING SYSTEM 1 2010
 
SummaLP Applications, Inc. (2)
8027900 System and methods for financial instrument trading and trading simulation using dynamically generated tradescreens 2 2002
7657477 Gaming system providing simulated securities trading 6 2004
 
THOMSON REUTERS GLOBAL RESOURCES (2)
* 2004/0003,075 Market data domain and enterprise system implemented by a master entitlement processor 1 2003
* 8195780 Market data domain and enterprise system implemented by a master entitlement processor 0 2003
 
Phoenix Check Cashing, Inc. (1)
* 7753268 System and method for negotiable instrument cashing transaction assistance procedures 32 2005
 
INTUIT INC. (10)
6446048 Web-based entry of financial transaction information and subsequent download of such information 92 1999
* 7395241 Consumer-directed financial transfers using automated clearinghouse networks 66 2000
7729959 Web-based entry of financial transaction information and subsequent download of such information 73 2002
* 2003/0204,460 Data collection and transaction initiation using a financial messaging protocol 58 2003
* 2007/0100,749 Online bill payment management and projected account balances 43 2005
* 8185453 Contextual access to workflow functionality 0 2006
7720760 Consumer-directed financial transfers using automated clearinghouse networks 8 2008
* 8200554 Graduated automatic savings 5 2008
8036987 Method and system for accounts payable prioritization and management 5 2009
* 8606708 Methods and systems for integrated and automated financial services 0 2010
 
HRB INNOVATIONS, INC. (1)
8635127 System and method for identifying tax documents to customize preparation of a tax return 0 2008
 
HRB TAX GROUP, INC. (2)
7565312 Tax return systems and methods 11 2005
8606665 System and method for acquiring tax data for use in tax preparation software 3 2007
 
WHITSERVE, LLC (6)
7647364 Onsite backup of internet-based data in a requested format 0 2005
* 2006/0010,179 Onsite backup for internet-based data processing 1 2005
7925628 Internet-based data processing system with onsite backup 0 2009
7974951 Onsite backup for third party internet-based systems 2 2010
* 2011/0238,627 ONSITE BACKUP FOR THIRD PARTY INTERNET-BASED SYSTEMS 0 2011
8812437 Onsite backup for third party internet-based systems 0 2013
 
GENERAL ELECTRIC CAPITAL CORPORATION (2)
* 2003/0093,373 Systems and methods for providing invoice-based billing information associated with a credit card transaction 7 2001
* 2006/0047,600 Method and system for borrowing base certificate administration 9 2004
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (4)
* 8306860 Pay at the table system 0 2008
* 8306861 Pay at the table system 3 2008
* 2009/0055,280 Pay at the Table System 4 2008
* 2009/0055,276 Pay at the Table System 5 2008
 
CERTEGY CHECK SERVICES, INC. (1)
* 2010/0063,928 ELECTRONIC CHECK CASHING SYSTEM 2 2008
 
DIGITAL RIVER, INC. (5)
* 8271396 Electronic commerce system and method for detecting fraud 2 2006
7881972 Electronic commerce system and method for detecting fraud 1 2006
* 2007/0198,361 ELECTRONIC COMMERCE SYSTEM AND METHOD FOR DETECTING FRAUD 6 2006
* 2007/0198,362 ELECTRONIC COMMERCE SYSTEM AND METHOD FOR DETECTING FRAUD 2 2006
8050980 Secure downloading of a file from a network system and method 1 2009
 
WEX HEALTH, INC. (4)
* 7174302 System and method for processing flexible spending account transactions 58 2001
* 2002/0198,831 System and method for processing flexible spending account transactions 42 2001
8554575 System and method for processing flexible spending account transactions 1 2007
7680679 Method and system for processing transactions involving accounts for reimbursing medical expenses or patient responsible balances with multiple transaction substantiation modes 16 2007
 
FIRST DATA MERCHANT SERVICES (2)
7219832 ATM machine and methods with currency conversion capabilities 11 2005
* 2006/0022,032 ATM machine and methods with currency conversion capabilities 7 2005
 
Kount Inc. (1)
* 7552090 Method for billing for services delivered over a computer network 21 1999
 
Dollar Bank, Federal Savings Bank (2)
* 8490863 Secure financial report and method of processing and displaying the same 0 2005
7734100 Secure financial report and method of processing and displaying the same 0 2006
 
BLACK HILLS IP HOLDINGS, LLC (5)
8972385 System and method for tracking patent ownership change 0 2011
8892547 System and method for prior art analysis 2 2011
9286351 System and method for patent and prior art analysis 0 2011
8600900 Patent continuation analysis 0 2012
9396274 System and method for prior art analysis 0 2014
* Cited By Examiner