US Patent No: 5,903,881

Number of patents in Portfolio can not be more than 2000

Personal online banking with integrated online statement and checkbook user interface

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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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Patent Owner(s)

Patent OwnerAddressTotal Patents
INTUIT INC.MOUNTAIN VIEW, CA609

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Altekruse, Charles A Atherton, CA 1 492
Bhatt, Patanjali Santa Clara, CA 11 495
Schrader, Joseph A Los Altos, CA 23 916

Cited Art Landscape

Patent Info (Count) # Cites Year
 
INTUIT INC. (2)
5,134,564 Computer aided reconfiliation method and apparatus 70 1989
5,471,575 Interactive parameter driven iterative financial spreadsheet analysis with context and layout sensitive help screen 86 1992
 
BANK OF AMERICA CORPORATION (1)
4,346,442 Securities brokerage-cash management system 489 1980
 
MOTOROLA, INC. (1)
5,221,838 Electronic wallet 531 1992
 
NCR CORPORATION (1)
5,233,547 Electronic checking account apparatus and method having a digitizer to receive information as a check is being written 70 1991
 
Shapiro; Nelson H. (1)
4,737,911 Process for electronically maintaining financial records, especially for checkbook balancing and rectification 20 1985

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (151)
7,809,636 System and method for multicurrency and multibank processing over a non-secure network 1 1999
8,571,975 System and method for sending money via E-mail over the internet 0 1999
7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 5 2000
7,805,365 Automated statement presentation, adjustment and payment system and method therefor 23 2000
7,068,832 Lockbox imaging system 42 2000
7,426,530 System and method for providing customers with seamless entry to a remote server 28 2000
6,867,789 System and method for generating graphical user interfaces 21 2000
7,058,817 System and method for single sign on process for websites with multiple applications and services 47 2000
7,747,866 System and method providing improved error detection related to transmission of data over a communication link 5 2000
8,015,084 System and method for linked account having sweep feature 2 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 90 2000
7,584,125 Electronic check presentment system and method having an item sequence capability 2 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 54 2000
7,822,656 International banking system and method 4 2001
8,805,739 System and method for electronic bill pay and presentment 0 2001
7,580,890 System and method for supervising account management operations 3 2001
7,246,263 System and method for portal infrastructure tracking 15 2001
7,103,576 System for providing cardless payment 23 2001
7,099,850 Methods for providing cardless payment 25 2001
8,285,641 System and method for selectable funding of electronic transactions 1 2001
8,438,086 System and method for providing customers with seamless entry to a remote server 0 2001
7,987,501 System and method for single session sign-on 1 2001
7,941,533 System and method for single sign-on session management without central server 4 2002
7,546,272 Trade receivable processing method and apparatus 26 2002
7,454,373 System and method for providing automated database assistance to financial service operators 0 2002
7,246,324 Method and system for data capture with hidden applets 12 2002
7,689,482 System and method for payer (buyer) defined electronic invoice exchange 26 2002
7,519,560 System and method for electronic authorization of batch checks 28 2002
7,437,327 Method and system for buyer centric dispute resolution in electronic payment system 40 2002
7,401,048 System and method for trade settlement tracking and relative ranking 60 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 93 2002
7,689,506 System and method for rapid updating of credit information 11 2002
7,143,174 Method and system for delayed cookie transmission in a client-server architecture 4 2002
7,587,363 System and method for optimized funding of electronic transactions 108 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 12 2002
8,266,437 Electronic vouchers and a system and method for issuing the same 0 2002
7,058,660 System and method for network-based project management 5 2002
7,689,504 System and method for establishing or modifying an account with user selectable terms 35 2002
8,301,493 System and method for providing incentives to consumers to share information 0 2002
7,627,521 System and method for processing mircotransactions 8 2003
7,428,531 Customer information management system and method 4 2003
7,769,650 Network-based sub-allocation systems and methods for swaps 21 2003
7,353,383 System and method for single session sign-on with cryptography 21 2003
7,899,753 Systems and methods for time variable financial authentication 4 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7,376,838 Method for controlled and audited access to privileged accounts on computer systems 11 2003
7,421,696 Methods and systems for managing successful completion of a network of processes 1 2004
8,630,947 Method and system for providing electronic bill payment and presentment 0 2004
7,742,997 System and method for management and delivery of content and rules 6 2004
8,190,893 Portable security transaction protocol 3 2004
7,676,751 System and method for processing applicant input information 7 2004
8,290,862 Method and system for expediting payment delivery 1 2004
7,613,656 Coupon payment system 2 2004
7,983,468 Method and system for extracting information from documents by document segregation 2 2005
7,380,707 Method and system for credit card reimbursements for health care transactions 87 2005
7,360,686 Method and system for discovering significant subsets in collection of documents 1 2005
8,121,944 Method and system for facilitating network transaction processing 11 2005
7,676,409 Method and system for emulating a private label over an open network 38 2005
8,185,877 System and method for testing applications 12 2005
7,822,684 Personalized bank teller machine 8 2005
7,925,578 Systems and methods for performing scoring optimization 2 2005
7,373,304 System and method for integrated customer management 4 2005
7,269,567 System and method for integrated customer management 3 2005
7,756,816 System and method for network-based project management 1 2005
8,290,863 Method and system for expediting payment delivery 1 2005
7,783,578 System for providing cardless payment 3 2006
7,461,265 System and method for single sign on process for websites with multiple applications and services 17 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 18 2006
7,822,682 System and method for enhancing supply chain transactions 45 2006
8,583,926 System and method for anti-phishing authentication 0 2006
7,317,823 Lockbox imaging system 65 2006
7,406,426 System and method for integrated customer management 7 2006
7,660,764 Service charge adjustment platform 1 2006
7,801,814 System and method for selectable funding of electronic transactions 12 2006
7,734,545 Method and system for processing recurring payments 28 2006
8,301,529 Method and system for implementing effective governance of transactions between trading partners 0 2006
8,145,522 System and method for establishing or modifying an account with user selectable terms 4 2006
8,468,071 Processing transactions using a register portion to track transactions 0 2006
8,793,490 Systems and methods for multifactor authentication 0 2006
7,366,698 Trade receivable processing method and apparatus 6 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 5 2006
8,296,160 System and method for integrated customer management 0 2006
8,335,855 System and method for portal infrastructure tracking 0 2007
8,185,940 System and method for providing discriminated content to network users 1 2007
8,768,836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image 0 2007
7,685,013 System and method for automatic financial project management 14 2007
7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
7,471,818 Lockbox imaging system 40 2007
8,118,216 Method and system for discovering significant subsets in collection of documents 1 2007
7,680,735 Trade receivable processing method and apparatus 24 2007
7,949,579 System and method for associating financial transaction data with a user's project data 2 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 30 2007
7,707,089 Method and system for automating fraud authorization strategies 9 2008
8,788,281 System and method for processing qualified healthcare account related financial transactions 0 2008
8,473,735 Systems and methods for managing digital certificates 1 2008
7,743,979 Method and system for credit card reimbursements for health care transactions 26 2008
7,660,765 System and method for processing microtransactions 6 2008
8,762,270 System and method for providing supplemental payment or transaction information 0 2008
8,112,355 Method and system for buyer centric dispute resolution in electronic payment system 0 2008
8,391,584 Method and system for duplicate check detection 0 2008
7,668,363 Lockbox imaging system 29 2008
8,590,008 System and method for single sign on process for websites with multiple applications and services 0 2008
8,622,308 System and method for processing transactions using a multi-account transactions device 0 2009
8,321,682 System and method for generating and managing administrator passwords 2009
8,459,562 System and method for processing transactions using a multi-account transactions device 2 2009
8,065,231 Trade receivable processing method and apparatus 0 2009
8,160,960 System and method for rapid updating of credit information 4 2009
8,386,381 Method and system for detecting, monitoring and addressing data compromises 1 2009
8,027,914 System and method for providing instant-decision, financial network-based payment cards 0 2010
8,045,784 Lockbox imaging system 16 2010
8,170,936 Method and system for emulating a private label over an open network 0 2010
8,732,072 System and method for establishing or modifying an account with user selectable terms 0 2010
8,447,641 System and method for automatically enrolling buyers into a network 0 2010
8,032,438 Method and system for automating fraud authorization strategies 4 2010
7,904,388 Method and system for processing recurring payments 0 2010
8,015,096 Network-based sub-allocation systems and methods for swaps 0 2010
8,160,942 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2010
8,380,597 International banking system and method 0 2010
8,589,288 System and method for electronic remittance of funds 0 2010
8,554,631 Method and system for determining point of sale authorization 1 2010
8,121,385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011
8,543,503 Systems and methods for automated invoice entry 0 2011
8,543,504 Systems and methods for automated invoice entry 0 2011
8,239,270 Method for associating financial transaction data with user's project data 0 2011
8,204,804 System for associating financial transaction data with user's project data 2 2011
8,244,625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2011
8,447,666 System and method for associating financial transaction data with user's project data using a portable electronic device 0 2011
8,170,952 System and method for providing instant-decision, financial network-based payment cards 0 2011
8,429,072 System and method for processing microtransactions 0 2011
8,429,069 System and method for processing microtransactions 0 2011
8,266,054 System and method for implementing a consolidated application process 0 2012
8,396,798 Method and system for facilitating network transaction processing 0 2012
8,321,310 Interactive account management system and method 2012
8,458,070 System and method for providing customers with seamless entry to a remote server 0 2012
8,332,273 System and method for associating financial transaction data with a user's project data 0 2012
8,484,129 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2012
D678653 Drive-up financial transaction machine 7 2012
8,762,260 Systems and methods for performing scoring optimization 0 2012
8,639,017 Method and system for duplicate check detection 0 2012
8,549,315 System and method for generating and managing administrator passwords 0 2012
8,566,187 Interactive account management system and method 0 2012
8,498,909 System and method for associating financial transaction data with user's project data in cash transactions 0 2012
D693984 Drive-up financial transaction machine 1 2013
8,515,836 System and method for associating financial transaction data with user's project data using a portable electronic device 1 2013
D690074 Financial transaction machine 2 2013
8,738,475 System and method for associating financial transaction data with a user's project data using a portable electronic device 0 2013
8,726,011 Systems and methods for managing digital certificates 0 2013
8,725,602 System and method for associating financial transaction data with user's project data in real time 0 2013
8,706,579 Interactive account management system and method 0 2013
8,712,874 System and method for associating financial transaction data with a user's project data using a portable electronic device 0 2013
8,712,875 System and method for associating financial transaction data with user's project data 0 2013
 
ISLAND INTELLECTUAL PROPERTY LLC (57)
7,752,129 Systems and methods for managing client accounts 47 2000
7,519,551 Systems and methods for administering return sweep accounts 65 2002
7,680,734 Money fund banking system 55 2002
7,536,350 Systems and methods for providing enhanced account management services for multiple banks 68 2003
7,509,286 Systems and methods for money fund banking with flexible interest allocation 112 2003
RE43246 Money fund bank system 26 2004
7,672,886 Systems and methods for managing client accounts 49 2005
8,150,766 System and method for investing public deposits 18 2006
7,752,107 System and method for managing aggregated accounts 49 2007
7,680,716 System and method for allocating excess funds in aggregated control account 51 2007
7,672,901 System and method for holdback procedure for after-hours transactions 51 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 53 2007
7,668,771 System and method for allocation to obtain zero activity in a selected aggregated account 50 2007
7,809,640 Money fund banking system 46 2007
7,769,688 Money fund banking system 44 2007
7,716,131 Money fund banking system with multiple banks and/or rates 48 2007
8,380,621 Systems, methods and program products for swap processing for uninsured accounts 16 2008
7,668,772 Systems and methods for money fund banking with flexible interest allocation 53 2008
8,032,456 System, methods and program products for processing for a self clearing broker dealer 40 2008
8,355,985 Systems and methods for providing enhanced account management services for multiple banks 16 2009
8,290,859 Systems and methods for providing enhanced account management services for multiple banks 17 2009
8,290,860 Systems and methods for providing enhanced account management services for multiple banks 17 2009
7,933,821 Systems and methods for administering return sweep accounts 44 2009
8,560,442 Systems and methods for providing enhanced account management services for multiple banks 0 2009
8,498,933 Systems and methods for providing enhanced account management services for multiple banks 7 2009
8,401,962 Systems and methods for providing enhanced account management services for multiple banks 17 2009
8,290,861 Systems and methods for providing enhanced account management services for multiple banks 17 2009
8,386,383 Money fund banking system with multiple banks and/or rates 12 2009
8,781,931 Method and system for allocating deposits over a plurality of depository institutions 0 2009
8,019,667 Systems and methods for money fund banking with flexible interest allocation 41 2010
8,019,668 System and method for allocation to obtain zero activity in a selected aggregated account with holdback 39 2010
8,311,939 Method and system for allocating deposits over a plurality of depository institutions 17 2010
8,352,342 Method and system for determining fees for deposits allocated over a plurality of deposit institutions 19 2010
7,996,308 System and method for managing aggregated accounts 38 2010
8,370,236 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 16 2010
8,260,705 Systems, methods and program products for deposit and withdrawal processing 17 2010
8,589,289 System, method and program product for administering fund movements 0 2011
8,458,089 System, method and program product for administering fund movements using depository institution groups 9 2011
8,311,916 Systems and methods for administering return sweep accounts 17 2011
8,260,697 Systems and methods for money fund banking with flexible interest allocation 18 2011
8,239,321 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 19 2011
8,452,702 System, method and program product for minimizing fund movements 9 2011
8,583,545 Systems and methods for money fund banking with flexible interest allocation 0 2011
8,359,267 System and method for investing public deposits 11 2011
8,386,382 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 11 2012
8,688,577 Systems, methods and program products for deposit and withdrawal processing 0 2012
8,566,200 Systems and methods for money fund banking with flexible interest allocation 0 2012
8,566,201 Systems and methods for money fund banking with flexible interest allocation 0 2012
8,655,689 System, method and program product for modeling fund movements 0 2012
8,612,324 Systems and methods for administering return sweep accounts 0 2012
8,719,157 System and method for investing public deposits 0 2012
8,521,569 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 1 2013
8,571,960 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 0 2013
8,571,984 Systems and methods for providing enhanced account management services for multiple banks 0 2013
8,719,062 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 0 2013
8,712,911 System and method for investing public deposits 0 2013
8,606,676 System and method for allocating excess funds in control account 0 2013
 
THE WESTERN UNION COMPANY (51)
6,488,203 Method and system for performing money transfer transactions 131 1999
6,502,747 System and method for performing money transfer transaction using TCP/IP 88 1999
7,165,052 Payment service method and system 21 2001
7,606,734 Wide area network person-to-person payment 12 2001
7,613,653 Money order debit from stored value fund 2 2001
7,398,252 Automated group payment 32 2001
7,266,533 Electronic gift greeting 14 2001
7,158,955 Electronic identifier payment systems and methods 56 2001
7,617,157 Method for receiving electronically transferred funds using an automated teller machine 12 2002
7,596,529 Buttons for person to person payments 4 2002
7,107,249 Electronic identifier payment systems and methods 89 2002
7,096,205 Systems and methods for enrolling consumers in goods and services 10 2002
6,908,031 Systems and methods for price matching on funds transfers 51 2002
6,761,309 Method and system for performing money transfer transactions 92 2002
8,630,946 Systems and methods for providing individualized financial access 0 2002
7,130,817 Electronic gift linking 17 2002
8,374,962 Stored value payouts 0 2003
8,244,632 Automated transfer with stored value 0 2003
7,184,989 Staged transactions systems and methods 12 2003
7,103,577 Systems and methods for staging transactions, payments and collections 22 2003
7,117,183 Airline ticket payment and reservation system and methods 22 2004
7,070,094 Method and system for performing money transfer transactions 31 2004
7,578,434 System and method for transferring money from one country to a stored value account in a different country 2 2005
7,641,109 Money transfer cards, systems and methods 3 2005
7,392,940 In-lane money transfer systems and methods 2 2005
8,672,220 Money transfer system and method 0 2005
8,494,956 Internet funds transfer system using ATM pickup 0 2005
7,673,792 Method and system for performing money transfer transactions 0 2006
8,706,640 Systems and methods for enrolling consumers in goods and services 0 2006
8,150,763 Systems and methods for staging transactions, payments and collections 0 2006
8,515,874 Airline ticket payment and reservation system and methods 0 2006
7,512,552 Electronic gift linking 20 2006
7,930,216 Method for making an online payment through a payment enabler system 3 2006
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 3 2007
8,504,473 Money transfer system and messaging system 1 2007
7,613,655 Value transfer systems and methods 1 2007
7,549,575 Money transfer systems and methods for travelers 3 2007
7,908,179 Electronic gift linking 2 2007
7,716,128 Electronic indentifier payment systems and methods 3 2007
7,654,449 Method and system for performing money transfer transactions 4 2008
7,753,267 In-lane money transfer systems and methods 3 2008
7,717,330 Systems and methods for price matching on funds transfers 0 2008
8,024,229 Wide area network person-to-person payment 3 2008
7,941,342 Wide area network person-to-person payment 0 2008
7,941,346 Wide area network person-to-person payment 0 2008
7,937,292 Wide area network person-to-person payment 8 2008
7,950,575 Method and system for performing money transfer transactions 0 2010
8,286,861 Cash payment for remote transactions 2 2011
8,271,382 Systems and methods of introducing and receiving information across a computer network 2011
8,584,934 Cash payment for remote transactions 0 2012
8,762,267 Money transfer system and messaging system 0 2013
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (33)
8,799,147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 0 2006
8,708,227 Systems and methods for remote deposit of checks 0 2006
8,351,677 Systems and methods for remote deposit of checks 1 2006
7,885,451 Systems and methods for displaying negotiable instruments derived from various sources 23 2006
7,876,949 Systems and methods for remote deposit of checks 20 2006
7,873,200 Systems and methods for remote deposit of checks 21 2006
8,433,127 Systems and methods for real-time validation of check image quality 0 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 1 2007
8,046,301 Systems and methods to modify a negotiable instrument 19 2007
8,001,051 Systems and methods to modify a negotiable instrument 20 2007
7,996,314 Systems and methods to modify a negotiable instrument 18 2007
7,996,315 Systems and methods to modify a negotiable instrument 18 2007
7,996,316 Systems and methods to modify a negotiable instrument 19 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 7 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 3 2007
7,900,822 Systems, methods, and apparatus for receiving images of one or more checks 20 2007
7,896,232 Systems, methods, and apparatus for receiving images of one or more checks 20 2007
8,374,963 Method and system for electronic checking 0 2008
8,351,678 Duplicate check detection 2 2008
8,422,758 Systems and methods of check re-presentment deterrent 2 2008
7,974,899 Atomic deposit transaction 54 2008
7,962,411 Atomic deposit transaction 54 2008
7,885,880 Atomic deposit transaction 55 2008
8,391,599 Systems and methods for adaptive binarization of an image 1 2008
7,970,677 Systems and methods for financial deposits by electronic message 22 2008
8,452,689 Systems and methods of check detection 1 2009
8,380,591 System and method for providing warning and protection for bill payments 0 2009
8,542,921 Systems and methods for remote deposit of negotiable instrument using brightness correction 0 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 0 2009
8,392,332 Systems and methods for remote deposit of checks 1 2010
8,464,933 Systems, methods and apparatus for receiving images of one or more checks 1 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 0 2011
8,611,635 Duplicate check detection 0 2012
 
MICROSOFT CORPORATION (14)
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 359 1997
6,304,857 Distributed electronic billing system with gateway interfacing biller and service center 131 1998
6,968,319 Electronic bill presentment and payment system with bill dispute capabilities 48 1999
6,839,687 Consumer-based system and method for managing and paying electronic billing statements 39 1999
6,792,422 Automatic categorization of financial transactions 37 2000
7,822,683 System and method for secure third-party development and hosting within a financial services network 0 2000
7,827,102 System and method for secure distribution of information via email 7 2000
8,793,185 System and method for securing information distribution via email 0 2001
7,240,028 Automated financial register reconciliation in a combined user interface 15 2002
7,516,101 Electronic bill presentment and payment system with bill dispute capabilities 4 2004
7,478,066 Electronic bill presentment and payment system 6 2004
7,620,602 System and method for secure third-party development and hosting within a financial services network 0 2004
7,636,689 Consumer-based system and method for managing and paying electronic billing statements 5 2004
7,610,245 Consumer-based system and method for managing and paying electronic billing statements 5 2004
 
YODLEE.COM, INC. (12)
8,069,407 Method and apparatus for detecting changes in websites and reporting results to web developers for navigation template repair purposes 3 2000
7,672,879 Interactive activity interface for managing personal data and performing transactions over a data packet network 19 2000
7,937,325 Interactive bill payment center 4 2001
7,734,541 Interactive funds transfer interface 10 2001
7,752,535 Categorization of summarized information 3 2005
8,190,629 Network-based bookmark management and web-summary system 1 2006
8,261,334 System for performing web authentication of a user by proxy 0 2008
8,555,359 System and methods for automatically accessing a web site on behalf of a client 0 2009
7,933,834 Interactive bill payment center 1 2009
7,856,386 Host exchange in bill paying services 7 2009
8,103,587 Interactive bill payment center 0 2011
8,560,450 Interactive bill payment center 0 2012
 
INTUIT INC. (8)
6,446,048 Web-based entry of financial transaction information and subsequent download of such information 73 1999
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 51 2000
7,729,959 Web-based entry of financial transaction information and subsequent download of such information 40 2002
8,185,453 Contextual access to workflow functionality 0 2006
7,720,760 Consumer-directed financial transfers using automated clearinghouse networks 7 2008
8,200,554 Graduated automatic savings 1 2008
8,036,987 Method and system for accounts payable prioritization and management 1 2009
8,606,708 Methods and systems for integrated and automated financial services 0 2010
 
IGT (7)
8,452,687 Method and apparatus for facilitating and monitoring monetary transactions and rewards in a gaming environment 8 2002
8,123,616 Methods and apparatus for limiting access to games using biometric data 16 2003
7,867,083 Methods and apparatus for limiting access to games using biometric data 19 2003
7,526,447 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment 6 2003
7,828,652 Player verification method and system for remote gaming terminals 29 2004
7,704,145 Method and apparatus for use of a network by a casino 2 2006
8,135,644 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment 9 2009
 
QUALCOMM INCORPORATED (6)
8,510,220 Methods and systems for viewing aggregated payment obligations in a mobile environment 9 2006
8,489,067 Methods and systems for distribution of a mobile wallet for a mobile device 8 2006
8,467,766 Methods and systems for managing payment sources in a mobile environment 8 2006
8,160,959 Methods and systems for payment transactions in a mobile environment 15 2006
8,145,568 Methods and systems for indicating a payment in a mobile environment 7 2006
8,121,945 Methods and systems for payment method selection by a payee in a mobile environment 17 2006
 
III HOLDINGS 1, LLC (5)
7,693,787 System and method for account reconciliation 4 2001
7,693,788 System and method for account reconciliation 2 2007
7,756,784 System and method for account reconciliation 2 2007
7,698,216 System and method for account reconciliation 2 2007
8,458,067 System and method for emergency tracking 1 2009
 
VISA INTERNATIONAL SERVICE ASSOCIATION (5)
8,335,745 Method and system for processing micropayment transactions 1 2007
8,676,639 System and method for promotion processing and authorization 0 2010
8,280,788 Peer-to-peer and group financial management systems and methods 0 2010
8,500,006 Gift card purchasing system 0 2010
8,676,674 Peer-to-peer and group financial management systems and methods 0 2012
 
BANK OF AMERICA CORPORATION (4)
8,401,965 Payment handling 0 2007
8,227,936 Cash handling device having integrated uninterruptible power supply 3 2008
8,181,854 Cash handling device having integrated wireless modem 1 2008
8,025,214 Cash handling device having integrated controller 1 2008
 
CITICORP DEVELOPMENT CENTER, INC. (4)
6,850,991 Systems and methods for distributing information to a diverse plurality of devices 5 1999
8,065,226 Method and system for performing a cash transaction with a self-service financial transaction terminal 1 2001
8,364,589 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2011
8,554,672 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2012
 
FIRST DATA CORPORATION (4)
7,463,946 Mail handling equipment and methods 6 2005
7,587,342 Method for requesting and receiving an online payment through a payment enabler system 3 2006
7,783,571 ATM system for receiving cash deposits from non-networked clients 39 2007
7,610,222 Method for providing a money transfer service through a payment enabler system 12 2007
 
GOOD TECHNOLOGY CORPORATION (4)
8,012,219 System and method for preventing access to data on a compromised remote device 23 2003
8,745,167 System and method for globally and securely accessing unified information in a computer network 0 2009
8,117,344 Global server for authenticating access to remote services 8 2009
8,696,765 System and method for preventing access to data on a compromised remote device 0 2010
 
VERIZON PATENT AND LICENSING INC. (4)
7,881,962 Early-payment discount for E-billing system 4 2001
7,216,104 Disallow payment for E-billing system 4 2001
7,308,434 Account management tool for e-billing system 2 2001
8,121,894 Early-payment discount for e-billing system 0 2010
 
CONSUMERINFO.COM, INC. (3)
7,853,493 Personal finance integration system and method 12 2008
8,781,953 Card management system and method 0 2010
8,464,939 Card registry systems and methods 0 2012
 
DIGITAL RIVER, INC. (3)
8,271,396 Electronic commerce system and method for detecting fraud 2006
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8,050,980 Secure downloading of a file from a network system and method 1 2009
 
EBAY INC. (3)
7,263,527 Grouping selected transactions in account ledger 7 1997
7,359,885 System and method for device-based access privilege to an account 5 2003
7,778,932 Device-based access privilege to an account 0 2008
 
EVOLUTION1, INC. (3)
7,174,302 System and method for processing flexible spending account transactions 42 2001
8,554,575 System and method for processing flexible spending account transactions 0 2007
7,680,679 Method and system for processing transactions involving accounts for reimbursing medical expenses or patient responsible balances with multiple transaction substantiation modes 11 2007
 
METAVANTE CORPORATION (3)
7,386,516 System and method for providing secure services over public and private networks using a removable portable computer-readable storage 5 1999
7,669,233 Methods and systems for secure transmission of identification information over public networks 2 2005
7,222,365 Non-algorithmic vectored steganography 0 2005
 
NETDEPOSIT, LLC (3)
7,072,842 Payment of health care insurance claims using short-term loans 41 2001
7,346,523 Processing an insurance claim using electronic versions of supporting documents 7 2002
7,263,493 Delivering electronic versions of supporting documents associated with an insurance claim 11 2002
 
SAP AG (3)
8,510,182 Systems and methods for managing and reporting financial information 0 2005
8,782,015 Systems and methods for processing data in a web services environment 0 2006
7,739,193 Paying multiple payees through integration of a third-party on-line payment system with an enterprise information technology system 1 2006
 
UNITELLER FINANCIAL SERVICES, INC. (3)
7,720,754 Money-transfer techniques 6 2000
6,938,013 Money-transfer techniques 30 2000
7,870,065 Money-transfer techniques 4 2001
 
WALKER DIGITAL, LLC (3)
6,282,523 Method and apparatus for processing checks to reserve funds 88 1998
7,664,705 Methods and systems for accepting offers via checks 6 2004
8,175,963 Methods and systems for accepting offers via checks 1 2010
 
WHITSERVE LLC (3)
7,647,364 Onsite backup of internet-based data in a requested format 0 2005
7,925,628 Internet-based data processing system with onsite backup 0 2009
7,974,951 Onsite backup for third party internet-based systems 1 2010
 
ACCENTURE GLOBAL SERVICES LIMITED (2)
7,813,983 Account and customer creation in an on-line banking model 4 2008
8,712,804 Account and customer creation in an on-line banking model 0 2010
 
AccuBalance Corporation (2)
7,044,365 Method for reconciling a financial account from a portable account register 17 2003
RE44059 Method for reconciling a financial account from a portable account register 0 2006
 
CASHEDGE, INC. (2)
7,797,207 Method and apparatus for analyzing financial data 43 2000
8,255,336 Method and apparatus for managing transactions 0 2007
 
Dollar Bank, Federal Savings Bank (2)
8,490,863 Secure financial report and method of processing and displaying the same 0 2005
7,734,100 Secure financial report and method of processing and displaying the same 0 2006
 
EXIT-CUBE (HONG KONG) LIMITED (2)
7,810,133 Encrypting operating system 8 2003
8,407,761 Encrypting operating system 0 2010
 
HRB TAX GROUP, INC. (2)
7,565,312 Tax return systems and methods 9 2005
8,606,665 System and method for acquiring tax data for use in tax preparation software 0 2007
 
INDACON, INC. (2)
7,729,990 Check image access system 2 2004
7,711,622 Financial statement and transaction image delivery and access system 1 2008
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
7,188,240 Method and system for encryption of web browser cache 24 1999
7,134,093 Graphical user interface for direct control of display of data 22 2001
 
KEYCORP LIMITED (2)
6,119,104 Composite banking desktop system 66 1997
6,760,414 Personal computer banking system and method 24 1997
 
MONEYCAT LTD. (2)
7,590,602 Electronic currency, electronic wallet therefor and electronic payment systems employing them 9 2000
8,712,918 Electronic currency, electronic wallet therefor and electronic payment systems employing them 0 2012
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (2)
8,484,046 Method and apparatus for internet on-line insurance policy service 0 2010
8,712,795 Method and apparatus for internet on-line insurance policy service 0 2012
 
SummaLP Applications, Inc. (2)
8,027,900 System and methods for financial instrument trading and trading simulation using dynamically generated tradescreens 2 2002
7,657,477 Gaming system providing simulated securities trading 5 2004
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (2)
7,979,348 Payment identification code and payment system using the same 3 2003
8,725,607 Electronic payment clearing and check image exchange systems and methods 0 2004
 
THE PNC FINANCIAL SERVICES GROUP, INC. (2)
8,150,770 System and method for reordering checks 0 2008
8,150,771 Automatic check reordering 0 2008
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (2)
8,306,860 Pay at the table system 0 2008
8,306,861 Pay at the table system 0 2008
 
VERTICALONE CORPORATION (2)
7,765,279 System and method for scheduling harvesting of personal information 6 1999
7,552,190 System and method for automated electronic notification and transaction execution 10 1999
 
B-50.com, LLC (1)
8,662,385 Systems and methods for generating custom reports based on point-of-sale data 0 2007
 
BILLEO, INC. (1)
7,849,201 Method and system for capturing, organizing, searching and sharing web pages 0 2006
 
BLACK HILLS IP HOLDINGS, LLC (1)
8,600,900 Patent continuation analysis 0 2012
 
CHASE MANHATTAN BANKS USA, NATIONAL ASSOCIATION (1)
7,272,857 Method/system for preventing identity theft or misuse by restricting access 10 2002
 
CITIBANK, N.A. (1)
6,354,490 Integrated full service consumer banking system and system and method for opening an account 76 2000
 
CITICORP CREDIT SERVICES, INC. (1)
8,452,704 Method and system for on-line payments 0 2001
 
E★Trade (1)
6,931,599 Page sub-component prerequisite control mechanism 4 2001
 
E*Trade (1)
6,922,813 Page prerequisite control mechanism 8 2001
 
ECHECK21, L.L.C. (1)
7,113,925 Electronic check 84 2005
 
ENCRYPTHENTICA LIMITED (1)
8,219,823 System for and method of managing access to a system using combinations of user information 0 2006
 
FACEBOOK, INC. (1)
7,287,005 Method for supplementing descriptors for online banking transaction statements 0 2001
 
FEXCO (1)
7,458,507 ATM machine and methods with currency conversion capabilities 31 2007
 
FIFTH THIRD BANK (1)
8,756,158 Currency recycler 0 2012
 
Finicity Corp. (1)
8,260,699 Method and system for managing spending through account allocation 1 2001
 
FIRENSITI II CONSULTING LLC (1)
6,298,335 Method of controlling payment of debts 100 1998
 
FIRETHORN MOBILE, INC. (1)
8,073,769 Methods and systems for payment transactions in a mobile environment 0 2006
 
FIRST DATA MERCHANT SERVICES (1)
7,219,832 ATM machine and methods with currency conversion capabilities 11 2005
 
FISERV, INC. (1)
8,290,835 Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account 0 2009
 
FUJITSU LIMITED (1)
7,143,058 Notifying program and detailed statement display method 14 2002
 
H&R BLOCK SERVICES, INC. (1)
8,301,520 Tax return signature systems and methods 0 2009
 
HRB INNOVATIONS, INC. (1)
8,635,127 System and method for identifying tax documents to customize preparation of a tax return 0 2008
 
J.P. MORGAN CHASE & CO. (1)
7,831,508 System and method for implementing a consolidated application process 1 2000
 
J.P. MORGAN CHASE BANK (1)
7,392,386 Setuid-filter method for providing secure access to a credentials store for computer systems 0 2004
 
Jaffe, Max (1)
7,398,236 Method and medium for budgeting 1 2001
 
JP MORGAN CHASE (1)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
 
KABUSHIKI KAISHA TOSHIBA (1)
7,647,257 System and method for web access to financial data 1 2003
 
KNOWLEDGE WORKS INC. DBA PAYNET INC. (1)
7,991,688 Methods and apparatus for automatically exchanging credit information 0 2001
 
KORALA ASSOCIATES LIMITED (1)
7,747,527 Apparatus and method for providing transaction services 7 1999
 
KOUNT INC. (1)
7,552,090 Method for billing for services delivered over a computer network 19 1999
 
Mobius Management Systems, Inc. (1)
6,721,716 Payment certification string and related electronic payment system and method 79 2000
 
NCR CORPORATION (1)
8,196,812 Conducting multiple financial transactions on a self-service terminal 0 2006
 
OneCore Financial Network, Inc. (1)
6,606,606 Systems and methods for performing integrated financial transaction 195 1999
 
PARAGON TRADE BRANDS, INC. (1)
7,266,839 System and method for providing discriminated content to network users 18 2001
 
PHOENIX CHECK CASHING, INC. (1)
7,753,268 System and method for negotiable instrument cashing transaction assistance procedures 21 2005
 
PPS DATA, LLC (1)
7,962,350 Payment of health care insurance claims using short-term loans 2 2005
 
REUTERS LIMITED (1)
8,195,780 Market data domain and enterprise system implemented by a master entitlement processor 0 2003
 
SCOTT V. ANDERSON AND SUSAN POTTISH, TRUSTEES UNDER THE SCOTT V. ANDERSON AND SUSAN POTTISH TRUST AGREEMENT DATED DECEMBER 1, 2005 (1)
7,346,555 Method and apparatus for client-in-charge business transaction processing 0 2003
 
SEARCH AMERICA, INC. (1)
8,452,611 Method and apparatus for assessing credit for healthcare patients 0 2010
 
STRAGENT, LLC (1)
8,571,980 System, method and computer program product for transferring money 0 2006
 
Summa LP Applications (1)
7,165,044 Investment portfolio tracking system and method 51 1999
 
T. Rowe Price Associates, Inc. (1)
7,577,597 System for financial planning 18 1999
 
TRANSSEC DATA LIMITED LIABILITY COMPANY (1)
6,339,766 Electronic payment system employing limited-use account number 138 1998
 
U.S. BANCORP LICENSING, INC. (1)
7,702,577 System and method for conversion of initial transaction to final transaction 11 2004
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (1)
7,792,717 Waterfall prioritized payment processing 57 2004
 
UNITED PARCEL SERVICE OF AMERICA, INC. (1)
8,549,279 Encryption and tokenization architectures 1 2008
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 1 2007
 
United States Automobile Association (USAA) (1)
7,949,587 Systems and methods for financial deposits by electronic message 20 2008
 
VISA U.S.A. INC. (1)
7,827,108 System and method of validating a relationship between a user and a user account at a financial institution 1 2008
 
XIGN (1)
8,554,673 Methods and systems for discounts management 0 2004
 
Other [Check patent profile for assignment information] (12)
7,266,527 Method and device for preventing check fraud 4 1999
6,390,362 Method and device for preventing check fraud 128 1999
7,389,915 Financial management system 4 2000
7,747,523 Internet-based financial vehicles 5 2001
6,764,015 MICR line blocker-invisiMICR 7 2002
6,648,222 Internet-based zero intrinsic value smart card with value data accessed in real time from remote database 34 2002
7,155,614 System and method for single sign on process for websites with multiples applications and services 13 2006
8,229,093 Method for marketing to audience members based upon votes cast by audience members 1 2007
8,463,700 Payment and revenue systems 0 2008
8,812,702 System and method for globally and securely accessing unified information in a computer network 0 2009
8,527,406 Systems for financial and electronic commerce 0 2010
8,812,437 Onsite backup for third party internet-based systems 0 2013