US Patent No: 6,164,533

Number of patents in Portfolio can not be more than 2000

Point of sale automatic savings program contribution system

2 Status Updates

Stats

ATTORNEY / AGENT: (SPONSORED)
 

Importance

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Abstract

A system is provided for automatically contributing monies to a savings program upon making a purchase. Included is an input device for generating an identification signal for identifying an account holder and a monetary signal monetary amount. Also provided is a service provider connected to the input device for receiving the identification signal and the monetary signal for calculating signal representative of a savings program contribution based on the monetary amount. A saving program provider is connected to the service provider for receiving the signal representative of the savings program contribution amount and further contribute the savings program contribution to an investment of the holder of the corresponding card.

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First Claim

Related Publications

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Patent Owner(s)

Patent OwnerAddressTotal Patents
BARTON PATENT 533 LLCHONG KONG1

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barton, Blain 15232 SE. 39th St., Bellevue, WA 98006-1704 2 137

Cited Art

Patent Info (Count) # Cites Year
 
BANK OF AMERICA CORPORATION (1)
4,346,442 Securities brokerage-cash management system 428 1980
 
CITIBANK, INC. (1)
5,056,019 Automated purchase reward accounting system and method 474 1989
 
KABUSHIKI KAISHA TOSHIBA (1)
5,302,811 Point of sale apparatus including a depositing/withdrawing apparatus 137 1991
 
L AND C FAMILY PARTNERSHIP (1)
5,214,579 Goal-oriented investment indexing, tracking and monitoring data processing system 131 1989
 
M & R INDUSTRIES, INC. (1)
4,839,504 IC card system compatible with bank account system 148 1987
 
MARTIZ, INC. (1)
5,689,100 Debit card system and method for implementing incentive award program 311 1996
 
RADISSON HOTELS INTERNATIONAL, INC. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 259 1995
 
THE ADVEST GROUP, INC. (1)
4,694,397 Banking/brokerage computer interface system 243 1984
 
TOKYO ELECTRIC CO., LTD. (1)
5,042,619 Commodity data reading apparatus 45 1989
 
TRADEVEST, INC. (1)
4,750,119 Purchasing system with rebate feature 288 1986
 
TRANS TEXAS HOLDINGS CORPORATION (1)
4,742,457 System and method of investment management including means to adjust deposit and loan accounts for inflation 179 1985
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (7)
5,689,649 System for operation of a combination mortgage, equity load and savings plan 106 1991
5,297,026 System for promoting account activity 247 1992
5,192,854 System for electronically recording and redeeming coupons 175 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 374 1992
5,745,706 Computer system and related equipment for spending and investment account management 181 1994
5,787,404 Credit-card based retirement fund system and method 167 1995
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 125 1997

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (83)
7,370,004 Personalized interactive network architecture 26 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 43 2000
7,246,263 System and method for portal infrastructure tracking 12 2001
8,438,086 System and method for providing customers with seamless entry to a remote server 0 2001
7,433,829 System and method for managing global risk 5 2001
7,512,566 System and method for using a stored value account having subaccount feature 5 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 2 2002
7,246,324 Method and system for data capture with hidden applets 10 2002
7,143,174 Method and system for delayed cookie transmission in a client-server architecture 3 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 9 2002
7,809,641 System and method for funding a collective account 7 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 6 2002
7,689,504 System and method for establishing or modifying an account with user selectable terms 17 2002
7,165,049 Sponsor funded stored value card 63 2002
8,301,493 System and method for providing incentives to consumers to share information 0 2002
7,801,816 System and method for currency selectable stored value instrument 1 2003
8,239,304 Method and system for providing pre-approved targeted products 1 2003
7,353,383 System and method for single session sign-on with cryptography 16 2003
7,676,425 Method and system for providing flexible financing 13 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 1 2003
7,606,727 System and method for identifying optimal marketing offers 3 2003
7,953,663 System and method for financial instrument pre-qualification and offering 3 2003
7,809,595 System and method for managing risks associated with outside service providers 3 2003
8,239,323 Method and system for distribution of unactivated bank account cards 1 2003
7,130,828 Debit purchasing of stored value card for use by and/or delivery to others 24 2003
7,376,838 Method for controlled and audited access to privileged accounts on computer systems 6 2003
7,421,696 Methods and systems for managing successful completion of a network of processes 1 2004
8,429,006 System and method for offer targeting 0 2004
7,467,106 System and method for offer management 1 2004
8,190,893 Portable security transaction protocol 0 2004
7,392,222 System and method for providing promotional pricing 55 2004
7,707,111 Customer activated multi-value (CAM) card 20 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 23 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 14 2004
7,174,314 Debit purchasing of stored value card for use by and/or delivery to others 15 2004
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 36 2004
7,174,316 Debit purchasing of stored value card for use by and/or delivery to others 14 2004
7,174,317 Debit purchasing of stored value card for use by and/or delivery to others 29 2004
7,171,388 Debit purchasing of stored value card for use by and/or delivery to others 13 2004
7,191,952 Selectable multi-purpose card 71 2004
7,756,896 System and method for multi-dimensional risk analysis 18 2005
7,660,763 Customer activated multi-value (CAM) card 13 2005
7,263,507 Customer activated multi-value (CAM) card 30 2005
8,185,877 System and method for testing applications 5 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 44 2005
7,801,799 Customer activated multi-value (CAM) card 2 2005
7,941,355 Universal payment protection 2 2006
7,783,578 System for providing cardless payment 1 2006
7,461,265 System and method for single sign on process for websites with multiple applications and services 10 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 15 2006
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 4 2006
7,591,416 Selectable multi-purpose card 27 2006
7,676,429 Credit instrument and system providing multiple services including access to credit services and access to a service provider club 0 2006
7,311,244 System and method for funding a collective account by use of an electronic tag 15 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 15 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 2 2006
7,505,918 Method and system for managing risks 2 2006
7,360,693 System and method for a card benefit program providing benefits to program members based on program performance 11 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 14 2006
8,145,522 System and method for establishing or modifying an account with user selectable terms 0 2006
7,357,331 Selectable multi-purpose card 37 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 1 2006
7,603,283 Method and system for managing risk 3 2007
8,335,855 System and method for portal infrastructure tracking 0 2007
7,805,368 Debit purchasing of stored value card for use by and/or delivery to others 3 2007
8,185,940 System and method for providing discriminated content to network users 1 2007
7,818,253 Debit purchasing of stored value card for use by and/or delivery to others 3 2007
8,020,754 System and method for funding a collective account by use of an electronic tag 3 2007
7,685,013 System and method for automatic financial project management 5 2007
8,417,601 Variable rate payment card 0 2007
8,033,451 System and method for funding a collective account by use of an electronic tag 0 2007
7,809,643 Debit purchasing of stored value card for use by and/or delivery to others 3 2007
7,949,574 Personalized interactive network architecture 0 2007
7,890,422 Multiple account advanced payment card and method of routing card transactions 9 2008
D602522 Transaction device 29 2008
8,321,682 System and method for generating and managing administrator passwords 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 3 2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers 0 2009
8,160,960 System and method for rapid updating of credit information 1 2009
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 0 2010
8,145,549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8,326,694 Personalized interactive network architecture 0 2011
 
PROPULSION REMOTE HOLDINGS, LLC (20)
7,398,226 System and method for networked loyalty program 6 2001
7,613,628 System and method for networked loyalty program 3 2001
7,222,101 System and method for securing data through a PDA portal 12 2002
7,613,629 System and method for the transfer of loyalty points 14 2002
7,467,096 System and method for the real-time transfer of loyalty points between accounts 17 2003
7,849,007 Pay yourself first with transfer options 0 2004
7,797,208 Pay yourself first 1 2004
7,752,102 Pay yourself first system 2 2004
7,584,149 System and method for securing data through a PDA portal 2 2006
8,155,999 System and method for a merchant loyalty system 0 2006
7,672,870 System and method for monitoring consumer purchasing activity 14 2006
7,496,524 System and method for networked loyalty program 1 2007
7,428,498 System and method for networked loyalty program 1 2007
7,945,516 System and method for securing data through a PDA portal 0 2007
7,890,367 System and method for tiered filtering of purchase transactions 2 2007
8,024,220 System and method for networked loyalty program 1 2007
7,813,955 System and method for networked loyalty program 36 2007
8,050,968 System and method for the real-time transfer of loyalty points between accounts 0 2008
7,996,320 System and method for securing data through a PDA portal 1 2008
8,065,182 System and method for networked loyalty program 0 2009
 
WALKER DIGITAL, LLC (6)
7,479,060 System and method for performing lottery ticket transactions utilizing point-of-sale terminals 3 2005
7,547,251 System and method for performing lottery ticket transactions utilizing point-of-sale terminals 3 2006
7,494,417 System and method for performing lottery ticket transactions utilizing point-of-sale terminals 3 2006
7,756,746 Method and apparatus for selling an aging food product 4 2007
7,717,784 Method and apparatus for controlling the performance of a supplementary process at a point of sale terminal 3 2007
8,103,520 Method and apparatus for selecting a supplemental product to offer for sale during a transaction 0 2009
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (4)
8,046,256 System and method for using loyalty rewards as currency 27 2001
8,301,566 System and method for providing a financial transaction instrument with user-definable authorization criteria 0 2005
7,904,386 System, method, and computer program product for saving and investing through use of transaction cards 0 2006
8,417,635 System, method, and computer program product for saving and investing through use of transaction cards 0 2011
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (4)
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 67 2002
7,072,864 Customer activated multi-value (CAM) card 79 2003
7,086,586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 10 2004
7,051,925 System and method for funding a collective account by use of an electronic tag 85 2004
 
CHASE BANK USA, NATIONAL ASSOCIATION (3)
7,426,530 System and method for providing customers with seamless entry to a remote server 22 2000
7,756,816 System and method for network-based project management 0 2005
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 9 2008
 
ROUNDIT, INC. (2)
7,574,403 Patronage incentive saving system and method for retail businesses 5 2002
8,185,439 Patronage incentive saving system and method for retail businesses 0 2009
 
AMERIPRISE FINANCIAL, INC. (1)
7,127,423 System and method for creating and administering an investment instrument 14 2001
 
BANK OF AMERICA CORPORATION (1)
8,301,530 Automatic savings program 0 2009
 
CHASE MAHATTAN BANK USA, NATIONAL ASSOCIATION (1)
7,499,887 System and method for card processing with automated payment of club, merchant, and service provider fees 7 2005
 
CHASE MANHATAN BANK USA, N.A. (1)
6,892,187 Debit purchasing of stored value card for use by and/or delivery to others 42 2003
 
J.P. MORGAN CHASE & CO. (1)
6,941,279 Mutual fund card method and system 15 2000
 
THE PNC FINANCIAL SERVICES GROUP, INC. (1)
7,725,391 Savings system based on time of transaction 0 2008
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (1)
8,416,924 Methods and systems for customer directed rounded purchase amount investments 0 2006
 
UNIVERSITAT DE GIRONA (1)
8,140,426 Auction procedure for use with a special purpose digital computer for an efficient achievement of limited resources in a competing environment 0 2008
 
YAMAHA HATSUDOKI KABUSHIKI KAISHA (1)
7,542,919 Method and apparatus for selecting a supplemental product to offer for sale during a transaction 12 2000
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (6)
7,483,849 Stop-loss and trailing stop-loss system utilizing a dynamic price adjusting feature 0 2004
7,155,614 System and method for single sign on process for websites with multiples applications and services 11 2006
8,376,224 Self-service stations for utilizing non-negotiable credits earned from a game of chance 0 2011
8,313,023 Exchange of non-negotiable credits of an entity's rewards program for entity independent funds 1 2012
8,297,502 User interface for the exchange of non-negotiable credits for entity independent funds 1 2012
8,342,399 Conversion of credits to funds 0 2012