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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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
INTUIT INC.MOUNTAIN VIEW, CA743

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Altekruse, Charles A Atherton, CA 1 547
Bhatt, Patanjali Santa Clara, CA 9 554
Schrader, Joseph A Los Altos, CA 24 1281

Cited Art Landscape

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

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
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7,184,989 Staged transactions systems and methods 13 2003
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9,129,464 Staged transactions systems and methods 0 2006
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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 5 2008
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8,024,229 Wide area network person-to-person payment 4 2008
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7,937,292 Wide area network person-to-person payment 9 2008
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8,955,741 Money transfer systems and methods for travelers 0 2009
7,950,575 Method and system for performing money transfer transactions 0 2010
8,286,861 Cash payment for remote transactions 3 2011
8,271,382 Systems and methods of introducing and receiving information across a computer network 0 2011
8,584,934 Cash payment for remote transactions 2 2012
8,960,537 Money transfer systems and methods 0 2012
8,851,371 In-lane money transfer systems and methods 0 2013
8,762,267 Money transfer system and messaging system 0 2013
9,098,849 Cash payment for remote transactions 0 2013
9,123,044 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)
* 7,577,597 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
 
H&R BLOCK SERVICES, INC. (1)
8,301,520 Tax return signature systems and methods 0 2009
 
MONEYCAT LTD. (2)
* 7,590,602 Electronic currency, electronic wallet therefor and electronic payment systems employing them 10 2000
8,712,918 Electronic currency, electronic wallet therefor and electronic payment systems employing them 0 2012
 
United States Automobile Association (USAA) (1)
7,949,587 Systems and methods for financial deposits by electronic message 31 2008
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 2 2007
 
CITICORP DEVELOPMENT CENTER, INC. (6)
6,850,991 Systems and methods for distributing information to a diverse plurality of devices 6 1999
8,065,226 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
* 2005/0135,345 Systems and methods for distributing information to a diverse plurality of devices 3 2005
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
 
KABUSHIKI KAISHA TOSHIBA (3)
7,647,257 System and method for web access to financial data 2 2003
* 2004/0225,603 System and method for web access to financial data 23 2003
* 2004/0267,747 Transaction processing system supporting concurrent accesses to hierarchical data by transactions 53 2004
 
CITICORP CREDIT SERVICES, INC. (USA) (1)
* 8,452,704 Method and system for on-line payments 0 2001
 
XIGN (1)
8,554,673 Methods and systems for discounts management 0 2004
 
CANON KABUSHIKI KAISHA (1)
* 2004/0207,707 Both-side recording apparatus 2 2004
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
* 7,188,240 Method and system for encryption of web browser cache 30 1999
7,134,093 Graphical user interface for direct control of display of data 37 2001
* 2002/0154,173 Graphical user interface for direct control of display of data 20 2001
 
SAP SE (3)
8,510,182 Systems and methods for managing and reporting financial information 1 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
 
U.S. BANK NATIONAL ASSOCIATION (1)
* 7,792,717 Waterfall prioritized payment processing 64 2004
 
Keycorp Limited (2)
* 6,119,104 Composite banking desktop system 78 1997
* 6,760,414 Personal computer banking system and method 32 1997
 
BALLY GAMING, INC. (1)
* 2007/0173,322 Gaming network environment providing a cashless gaming service 57 2004
 
FINNAVATIONS LLC (1)
* 7,389,915 Financial management system 5 2000
 
FUJITSU LIMITED (3)
* 7,143,058 Notifying program and detailed statement display method 19 2002
* 2003/0023,524 Notifying program and detailed statement display method 6 2002
* 2004/0162,737 Agreement management system 5 2004
 
J.P. MORGAN CHASE & CO. (1)
7,831,508 System and method for implementing a consolidated application process 1 2000
 
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
 
SCOTT V. ANDERSON AND SUSAN POTTISH, TRUSTEES UNDER THE SCOTT V. ANDERSON AND SUSAN POTTISH TRUST AGREEMENT DATED DECEMBER 1, 2005 (2)
* 7,346,555 Method and apparatus for client-in-charge business transaction processing 1 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 43 2002
* 2004/0006,537 Method and system for processing credit card related transactions 34 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 42 2005
* 2006/0253,320 Loyalty systems and methods 32 2005
7,463,946 Mail handling equipment and methods 7 2005
* 2005/0261,801 Mail handling equipment and methods 0 2005
7,587,342 Method for requesting and receiving an online payment through a payment enabler system 7 2006
* 2008/0191,006 ATM With Award Feature 4 2007
7,783,571 ATM system for receiving cash deposits from non-networked clients 43 2007
7,610,222 Method for providing a money transfer service through a payment enabler system 16 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)
7,702,577 System and method for conversion of initial transaction to final transaction 21 2004
 
SAP AG (4)
* 2005/0222,945 Systems and methods for managing and reporting financial information 76 2005
* 2007/0300,176 Entering Information in Input Field 2 2006
* 2008/0162,341 Paying multiple payees through integration of a third-party on-line payment system with an enterprise information technology system 16 2006
* 2008/0162,340 Integrating enterprise information technology systems with a third-party on-line payment system 1 2006
 
EXIT-CUBE (HONG KONG) LIMITED (7)
* 7,810,133 Encrypting operating system 14 2003
* 2004/0091,114 Encrypting operating system 63 2003
* 2009/0158,299 System for and method of uniform synchronization between multiple kernels running on single computer systems with multiple CPUs installed 49 2008
* 8,407,761 Encrypting operating system 3 2010
* 2010/0217,970 ENCRYPTING OPERATING SYSTEM 9 2010
* 9,098,712 Encrypting operating system 0 2013
* 2013/0290,727 ENCRYPTING OPERATING SYSTEM 0 2013
 
Jaffe, Max (1)
7,398,236 Method and medium for budgeting 2 2001
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (1)
8,725,607 Electronic payment clearing and check image exchange systems and methods 1 2004
 
PAYFORMANCE CORPORATION (1)
* 2006/0282,381 Customizable payment system and method 41 2006
 
JP MORGAN CHASE (2)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
* 2006/0095,374 System and method for supply chain financing 46 2005
 
Korala Associates Limited (1)
* 7,747,527 Apparatus and method for providing transaction services 11 1999
 
NETDEPOSIT, LLC (4)
* 7,072,842 Payment of health care insurance claims using short-term loans 48 2001
* 2002/0091,549 Payment of health care insurance claims using short-term loans 4 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 13 2002
 
E*Trade (1)
* 6,922,813 Page prerequisite control mechanism 8 2001
 
IGT (16)
* 2002/0039,921 Method and apparatus for monitoring player loss in a gaming environment 37 2001
* 2002/0151,359 Player account access and management system 50 2002
8,452,687 Method and apparatus for facilitating and monitoring monetary transactions and rewards in a gaming environment 12 2002
* 2003/0004,871 Method and apparatus for facilitating and monitoring monetary transactions and rewards in a gaming environment 81 2002
* 2004/0142,750 Method and apparatus for use of a network by a casino 71 2003
8,123,616 Methods and apparatus for limiting access to games using biometric data 29 2003
7,867,083 Methods and apparatus for limiting access to games using biometric data 31 2003
* 2004/0192,438 Method and apparatus for limiting access to games using biometric data 64 2003
7,526,447 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment 10 2003
* 2004/0039,695 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment 19 2003
7,828,652 Player verification method and system for remote gaming terminals 51 2004
* 2005/0181,870 PLAYER VERIFICATION METHOD AND SYSTEM FOR REMOTE GAMING TERMINALS 84 2004
7,704,145 Method and apparatus for use of a network by a casino 4 2006
* 2007/0015,587 Method and apparatus for use of a network by a casino 11 2006
8,135,644 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment 17 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)
7,113,925 Electronic check 110 2005
* 2006/0161,501 Electronic check 42 2005
 
IP DEVELOPMENT VENTURE (1)
9,201,966 System and method for prior art analytics and mapping 0 2011
 
FTF TECHNOLOGIES INC. (6)
* 2002/0072,920 Computer implemented method of generating information disclosure statements 10 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 11 2001
* 2002/0065,676 Computer implemented method of generating information disclosure statements 7 2001
* 2002/0111,824 Method of defining workflow rules for managing intellectual property 69 2001
* 2002/0111,953 Docketing system 19 2001
 
Visa U.S.A. Inc. (2)
* 7,827,108 System and method of validating a relationship between a user and a user account at a financial institution 1 2008
* 2010/0131,408 System and Method of Validating a Relationship Between a User and a User Account at a Financial Institution 3 2008
 
United Services Automobile Association (USAA) (46)
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 2 2006
8,351,677 Systems and methods for remote deposit of checks 8 2006
7,885,451 Systems and methods for displaying negotiable instruments derived from various sources 36 2006
7,876,949 Systems and methods for remote deposit of checks 33 2006
7,873,200 Systems and methods for remote deposit of checks 33 2006
8,959,033 Systems and methods for verification of remotely deposited checks 0 2007
8,433,127 Systems and methods for real-time validation of check image quality 2 2007
* 8,856,639 Systems and methods for online document sign-up 0 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 9 2007
8,046,301 Systems and methods to modify a negotiable instrument 29 2007
8,001,051 Systems and methods to modify a negotiable instrument 30 2007
7,996,314 Systems and methods to modify a negotiable instrument 28 2007
7,996,315 Systems and methods to modify a negotiable instrument 28 2007
7,996,316 Systems and methods to modify a negotiable instrument 30 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 18 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 9 2007
7,900,822 Systems, methods, and apparatus for receiving images of one or more checks 32 2007
7,896,232 Systems, methods, and apparatus for receiving images of one or more checks 30 2007
* 8,374,963 Method and system for electronic checking 1 2008
8,351,678 Duplicate check detection 6 2008
8,422,758 Systems and methods of check re-presentment deterrent 9 2008
7,974,899 Atomic deposit transaction 76 2008
7,962,411 Atomic deposit transaction 74 2008
7,885,880 Atomic deposit transaction 75 2008
8,391,599 Systems and methods for adaptive binarization of an image 2 2008
7,970,677 Systems and methods for financial deposits by electronic message 34 2008
8,452,689 Systems and methods of check detection 2 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 2 2009
8,977,571 Systems and methods for image monitoring of check during mobile deposit 1 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 2 2009
8,392,332 Systems and methods for remote deposit of checks 6 2010
9,129,340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8,464,933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8,837,806 Remote deposit image inspection apparatuses, methods and systems 2 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 6 2011
9,159,101 Image processing 0 2011
9,311,634 Systems and methods for automatic bill pay enrollment 0 2012
8,611,635 Duplicate check detection 1 2012
9,286,514 Character count determination for a digital image 0 2013
9,158,966 Character count determination for a digital image 0 2013
9,224,136 Systems and methods for remote deposit of checks 0 2014
9,336,517 Systems and methods for alignment of check during mobile deposit 0 2014
9,177,197 Systems and methods for alignment of check during mobile deposit 0 2014
9,177,198 Systems and methods for alignment of check during mobile deposit 0 2014
 
Guidewire Software, Inc. (1)
* 2011/0137,771 Method and Apparatus Pertaining to Provision and Use of a Unified Account Current and Statement Billing Workflow 0 2009
 
PAYPAL, INC. (3)
* 7,263,527 Grouping selected transactions in account ledger 12 1997
* 2006/0064,378 METHOD AND APPARATUS FOR MAINTAINING LINKED ACCOUNTS 26 2004
* 2010/0191,629 SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES 6 2010
 
INVENTOR HOLDINGS, LLC (3)
7,664,705 Methods and systems for accepting offers via checks 6 2004
* 2005/0027,650 Methods and systems for accepting offers via checks 28 2004
8,175,963 Methods and systems for accepting offers via checks 1 2010
 
JPMORGAN CHASE BANK, N.A. (185)
* 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 7 2000
7,805,365 Automated statement presentation, adjustment and payment system and method therefor 23 2000
7,068,832 Lockbox imaging system 48 2000
7,426,530 System and method for providing customers with seamless entry to a remote server 32 2000
6,867,789 System and method for generating graphical user interfaces 32 2000
7,058,817 System and method for single sign on process for websites with multiple applications and services 64 2000
7,747,866 System and method providing improved error detection related to transmission of data over a communication link 7 2000
8,015,084 System and method for linked account having sweep feature 3 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 112 2000
7,584,125 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 97 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 56 2000
7,822,656 International banking system and method 10 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 5 2001
* 2002/0046,049 System and method for supervising account management operations 6 2001
7,246,263 System and method for portal infrastructure tracking 16 2001
7,103,576 System for providing cardless payment 40 2001
7,099,850 Methods for providing cardless payment 34 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 6 2002
7,546,272 Trade receivable processing method and apparatus 28 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 37 2002
7,519,560 System and method for electronic authorization of batch checks 38 2002
7,437,327 Method and system for buyer centric dispute resolution in electronic payment system 51 2002
* 2003/0220,858 Method and system for collaborative vendor reconciliation 42 2002
7,401,048 System and method for trade settlement tracking and relative ranking 74 2002
* 2003/0046,219 System and method for trade settlement tracking and relative ranking 0 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 107 2002
7,689,506 System and method for rapid updating of credit information 17 2002
7,143,174 Method and system for delayed cookie transmission in a client-server architecture 6 2002
7,587,363 System and method for optimized funding of electronic transactions 128 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 16 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 6 2002
7,689,504 System and method for establishing or modifying an account with user selectable terms 39 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 8 2003
7,769,650 Network-based sub-allocation systems and methods for swaps 31 2003
7,353,383 System and method for single session sign-on with cryptography 30 2003
7,899,753 Systems and methods for time variable financial authentication 7 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 14 2004
7,742,997 System and method for management and delivery of content and rules 8 2004
* 2005/0273,347 Method and system for processing payment items at a central processor 19 2004
8,190,893 Portable security transaction protocol 6 2004
7,676,751 System and method for processing applicant input information 13 2004
8,290,862 Method and system for expediting payment delivery 1 2004
7,613,656 Coupon payment system 2 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 4 2004
7,983,468 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
7,380,707 Method and system for credit card reimbursements for health care transactions 97 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
7,360,686 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 3 2005
8,121,944 Method and system for facilitating network transaction processing 73 2005
7,676,409 Method and system for emulating a private label over an open network 49 2005
8,185,877 System and method for testing applications 26 2005
7,822,684 Personalized bank teller machine 9 2005
7,925,578 Systems and methods for performing scoring optimization 4 2005
7,373,304 System and method for integrated customer management 6 2005
7,269,567 System and method for integrated customer management 4 2005
7,756,816 System and method for network-based project management 2 2005
8,290,863 Method and system for expediting payment delivery 1 2005
* 2007/0055,625 Method and system for expediting payment delivery 7 2005
7,783,578 System for providing cardless payment 4 2006
7,461,265 System and method for single sign on process for websites with multiple applications and services 19 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 22 2006
7,822,682 System and method for enhancing supply chain transactions 47 2006
8,583,926 System and method for anti-phishing authentication 2 2006
7,317,823 Lockbox imaging system 75 2006
7,406,426 System and method for integrated customer management 8 2006
7,660,764 Service charge adjustment platform 1 2006
7,801,814 System and method for selectable funding of electronic transactions 15 2006
7,734,545 Method and system for processing recurring payments 39 2006
8,301,529 Method and system for implementing effective governance of transactions between trading partners 1 2006
8,145,522 System and method for establishing or modifying an account with user selectable terms 9 2006
8,468,071 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
8,793,490 Systems and methods for multifactor authentication 2 2006
7,366,698 Trade receivable processing method and apparatus 7 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 9 2006
8,296,160 System and method for integrated customer management 1 2006
8,335,855 System and method for portal infrastructure tracking 1 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 1 2007
7,685,013 System and method for automatic financial project management 18 2007
* 2008/0027,861 SYSTEM AND METHOD FOR AUTOMATIC FINANCIAL PROJECT MANAGEMENT 9 2007
7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
8,849,716 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
7,471,818 Lockbox imaging system 54 2007
8,118,216 Method and system for discovering significant subsets in collection of documents 7 2007
* 2008/0061,136 METHDO AND SYSTEM FOR DISCOVERING SIGNIFICANT SUBSETS IN COLLECTION OF DOCUMENTS 1 2007
7,680,735 Trade receivable processing method and apparatus 35 2007
* 7,949,579 System and method for associating financial transaction data with a user's project data 3 2007
* 2009/0150,265 System and Method for Associating Financial Transaction Data with a User's Project Data 9 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 43 2007
7,707,089 Method and system for automating fraud authorization strategies 12 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 4 2008
7,743,979 Method and system for credit card reimbursements for health care transactions 38 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 42 2008
* 2009/0060,314 LOCKBOX IMAGING SYSTEM 5 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 1 2009
9,240,089 Systems and methods for time variable financial authentication 0 2009
8,459,562 System and method for processing transactions using a multi-account transactions device 3 2009
8,065,231 Trade receivable processing method and apparatus 1 2009
8,160,960 System and method for rapid updating of credit information 15 2009
8,386,381 Method and system for detecting, monitoring and addressing data compromises 6 2009
8,027,914 System and method for providing instant-decision, financial network-based payment cards 0 2010
8,045,784 Lockbox imaging system 34 2010
8,170,936 Method and system for emulating a private label over an open network 1 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 7 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 2 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 1 2011
8,204,804 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
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 1 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 0 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 14 2012
8,762,260 Systems and methods for performing scoring optimization 0 2012
* 8,930,267 Automated transactions clearing system and method 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
9,020,850 Method and system for implementing effective governance of transactions between trading partners 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
9,064,273 System and method for management and delivery of content and rules 0 2013
8,924,289 International banking system and method 0 2013
D693984 Drive-up financial transaction machine 5 2013
8,515,836 System and method for associating financial transaction data with user's project data using a portable electronic device 1 2013
9,092,447 Method and system for duplicate detection 0 2013
D690074 Financial transaction machine 6 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
9,286,637 Adaptive and customizable account interface system and method 0 2013
9,111,278 Method and system for determining point of sale authorization 0 2013
9,374,366 System and method for anti-phishing authentication 0 2013
9,058,626 System and method for financial services device usage 0 2013
* 2014/0074,700 Automated Transactions Clearing System and Method 0 2013
9,240,012 Systems and methods for multifactor authentication 0 2014
 
STRAGENT, LLC (1)
* 8,571,980 System, method and computer program product for transferring money 1 2006
 
MICROSOFT TECHNOLOGY LICENSING, LLC (26)
* 6,128,603 Consumer-based system and method for managing and paying electronic billing statements 389 1997
6,304,857 Distributed electronic billing system with gateway interfacing biller and service center 139 1998
6,968,319 Electronic bill presentment and payment system with bill dispute capabilities 61 1999
6,839,687 Consumer-based system and method for managing and paying electronic billing statements 42 1999
* 6,792,422 Automatic categorization of financial transactions 41 2000
7,822,683 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 115 2000
7,827,102 System and method for secure distribution of information via email 9 2000
* 2002/0026,396 System and method facilitating personal electronic financial transactions 36 2000
* 2001/0037,315 System and method for secure distribution of information via eMail 110 2000
* 8,793,185 System and method for securing information distribution via email 0 2001
* 2002/0065,772 System, method and program for network user access 25 2001
* 7,240,028 Automated financial register reconciliation in a combined user interface 22 2002
* 2002/0173,986 Automatic categorization of financial transactions 27 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 19 2004
* 2005/0102,231 Electronic bill presentment and payment system with bill dispute capabilities 8 2004
7,620,602 System and method for secure third-party development and hosting within a financial services network 1 2004
* 2005/0131,814 System and method for secure third-party development and hosting within a financial services network 3 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
* 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)
* 7,797,207 Method and apparatus for analyzing financial data 48 2000
* 2003/0236,728 Method and apparatus for managing a financial transaction system 85 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
* 2008/0015,982 Funds transfer method and system including payment enabled invoices 16 2007
8,255,336 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)
* 6,282,523 Method and apparatus for processing checks to reserve funds 104 1998
 
AccuBalance Corporation (3)
* 7,044,365 Method for reconciling a financial account from a portable account register 19 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 (4)
* 7,386,516 System and method for providing secure services over public and private networks using a removable portable computer-readable storage 6 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
* 2005/0228,755 Methods and systems for secure transmission of identification information over public networks 0 2005
 
QUALCOMM INCORPORATED (11)
8,510,220 Methods and systems for viewing aggregated payment obligations in a mobile environment 13 2006
8,489,067 Methods and systems for distribution of a mobile wallet for a mobile device 14 2006
8,467,766 Methods and systems for managing payment sources in a mobile environment 12 2006
8,160,959 Methods and systems for payment transactions in a mobile environment 24 2006
8,145,568 Methods and systems for indicating a payment in a mobile environment 12 2006
8,121,945 Methods and systems for payment method selection by a payee in a mobile environment 31 2006
* 2008/0006,685 Methods and Systems For Real Time Account Balances in a Mobile Environment 63 2006
* 2008/0010,193 Methods and Systems For Payment Method Selection by a Payee in a Mobile Environment 53 2006
* 2008/0010,191 Methods and Systems For Providing a Payment in a Mobile Environment 61 2006
* 2008/0010,204 Methods and Systems For Making a Payment Via a Paper Check in a Mobile Environment 60 2006
* 2010/0198,733 Enabling Payment Using Paperless Image Of A Check 9 2009
 
VERIZON PATENT AND LICENSING INC. (6)
7,881,962 Early-payment discount for E-billing system 6 2001
7,216,104 Disallow payment for E-billing system 5 2001
* 2001/0051,918 Disallow payment for E-billing system 3 2001
7,308,434 Account management tool for e-billing system 3 2001
8,121,894 Early-payment discount for e-billing system 0 2010
* 2010/0332,309 EARLY-PAYMENT DISCOUNT FOR E-BILLING SYSTEM 1 2010
 
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 6 2004
 
THOMSON REUTERS GLOBAL RESOURCES (2)
* 2004/0003,075 Market data domain and enterprise system implemented by a master entitlement processor 1 2003
* 8,195,780 Market data domain and enterprise system implemented by a master entitlement processor 0 2003
 
Phoenix Check Cashing, Inc. (1)
* 7,753,268 System and method for negotiable instrument cashing transaction assistance procedures 31 2005
 
INTUIT INC. (10)
6,446,048 Web-based entry of financial transaction information and subsequent download of such information 87 1999
* 7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 61 2000
7,729,959 Web-based entry of financial transaction information and subsequent download of such information 64 2002
* 2003/0204,460 Data collection and transaction initiation using a financial messaging protocol 53 2003
* 2007/0100,749 Online bill payment management and projected account balances 42 2005
* 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 2 2008
8,036,987 Method and system for accounts payable prioritization and management 3 2009
* 8,606,708 Methods and systems for integrated and automated financial services 0 2010
 
HRB INNOVATIONS, INC. (1)
8,635,127 System and method for identifying tax documents to customize preparation of a tax return 0 2008
 
HRB Tax Group, Inc. (2)
7,565,312 Tax return systems and methods 10 2005
8,606,665 System and method for acquiring tax data for use in tax preparation software 2 2007
 
WHITSERVE LLC (6)
7,647,364 Onsite backup of internet-based data in a requested format 0 2005
* 2006/0010,179 Onsite backup for internet-based data processing 1 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 2 2010
* 2011/0238,627 ONSITE BACKUP FOR THIRD PARTY INTERNET-BASED SYSTEMS 0 2011
8,812,437 Onsite backup for third party internet-based systems 0 2013
 
GENERAL ELECTRIC CAPITAL CORPORATION, AS AGENT (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 8 2004
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (4)
* 8,306,860 Pay at the table system 0 2008
* 8,306,861 Pay at the table system 2 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)
* 8,271,396 Electronic commerce system and method for detecting fraud 2 2006
7,881,972 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
8,050,980 Secure downloading of a file from a network system and method 1 2009
 
FIRST DATA MERCHANT SERVICES (2)
7,219,832 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)
* 7,552,090 Method for billing for services delivered over a computer network 20 1999
 
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
 
BLACK HILLS IP HOLDINGS, LLC (4)
8,972,385 System and method for tracking patent ownership change 0 2011
8,892,547 System and method for prior art analysis 0 2011
9,286,351 System and method for patent and prior art analysis 0 2011
8,600,900 Patent continuation analysis 0 2012
* Cited By Examiner