Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 6243688
SERIAL NO

09383100

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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An Internet-based purchase credit award interchange center is described which interfaces with a credit award exchange center for conversion of any form of merchant or purchase credit award resulting from customer purchase of goods or services to investment in a mutual fund and/or investment vehicle utilizing computer data processing methods. Preassigned purchase credit accumulations earned by a consumer are exchanged from a merchant or creditor through or combination of credit cards, co-branded credit cards, PIN cards, debit and smart cards, coupons, stamps, proof of purchase, rebates, or any form of purchase award of merchant or creditors choice for an investment in a mutual fund or other investment vehicle. A specific implementation is described wherein a credit card account having investment credit awards is issued through the Internet to a customer. While inputting information through the Internet necessary for establishing the credit card account, the customer also provides any information needed to authorize the purchase of investment vehicles on his or her behalf. Any forms that need to be signed by the customer to authorize purchase of the investment vehicles may be printed out by the customer. The customer may also select, via the Internet, particular investment vehicles out of a group of possible investment vehicles. Subsequent use of the credit card by the customer automatically results in accrual of credit award accumulations in the selected investment vehicle.

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Patent Owner(s)

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International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Kalina, Dyan T 523 Canon View Trail, Topanga, CA 90290 2 477

Cited Art Landscape

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

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
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* 2005/0098,624 Family stored value card program 2 2004
 
Roundit, Inc. (3)
* 7574403 Patronage incentive saving system and method for retail businesses 10 2002
8185439 Patronage incentive saving system and method for retail businesses 1 2009
* 2009/0313,128 Patronage incentive saving system and method for retail businesses 1 2009
 
Cornelius Marketing (1)
* 7480634 Method and system for saving and investing through use of a money management card and pooled investment accounts 5 2002
 
H.O.M.E. MORTGAGE CARD, LLC (1)
* 8078491 System for card activity-based residential crediting 1 2000
 
III HOLDINGS 1, LLC (26)
8046256 System and method for using loyalty rewards as currency 112 2001
7606730 System and method for a multiple merchant stored value card 53 2002
* 2003/0236,704 System and method for a multiple merchant stored value card 178 2002
7788129 System and method for redeeming vouchers 6 2003
* 2003/0236,712 System and method for distributing vouchers 65 2003
7912777 System and method for using cash rebates 2 2004
7509272 Calendar auction method and computer program product 4 2004
* 2005/0283,420 CALENDAR AUCTION SYSTEM AND METHOD 10 2004
* 2006/0004,629 Deferred loyalty points redemption method 79 2004
8301566 System and method for providing a financial transaction instrument with user-definable authorization criteria 1 2005
* 2007/0214,079 System and method for providing a financial transaction instrument with user-definable authorization criteria 15 2005
7702547 Calculating and displaying interest avoided by use of a particular interest calculation method 3 2005
* 2007/0094,134 Calculating and displaying interest avoided by use of a particular interest calculation method 0 2005
* 2007/0179,839 Method and computer program product for redeeming loyalty points in an online raffle 14 2005
* 2007/0260,509 System and method for express redemption of accrued rewards 13 2005
7904386 System, method, and computer program product for saving and investing through use of transaction cards 20 2006
* 2007/0185,810 System, method, and computer program product for saving and investing through use of transaction cards 1 2006
8321270 System and method for a multiple merchant stored value card 4 2009
* 2010/0010,889 SYSTEM AND METHOD FOR A MULTIPLE MERCHANT STORED VALUE CARD 4 2009
8423401 System and method for redeeming vouchers 12 2010
8417635 System, method, and computer program product for saving and investing through use of transaction cards 2 2011
* 2011/0125,637 SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SAVING AND INVESTING THROUGH USE OF TRANSACTION CARDS 8 2011
8666897 System and method for providing a financial transaction instrument with user-definable authorization criteria 0 2012
8478639 System and method for a multiple merchant stored value card 0 2012
8650077 System and method for a multiple merchant stored value card 0 2013
9747614 System and method for a multiple merchant stored value card 0 2013
 
TARGET BRANDS, INC. (2)
8489452 Systems and methods for providing a user incentive program using smart card technology 9 2003
9152973 Systems and methods for providing a user incentive program using circuit chip technology 0 2013
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (4)
6745938 System and methods for card payment instrument with rebate applied to an insurance premium 110 2002
7072864 Customer activated multi-value (CAM) card 148 2003
7086586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 19 2004
7051925 System and method for funding a collective account by use of an electronic tag 111 2004
 
C1ST CONCEPT, L.L.C. (1)
* 2004/0199,422 Consumer transaction-based marketing of goods and services 130 2003
 
UNIVERSITAT DE GIRONA (2)
* 8140426 Auction procedure for use with a special purpose digital computer for an efficient achievement of limited resources in a competing environment 0 2008
* 2010/0023,439 AUCTION PROCEDURE FOR USE WITH A SPECIAL PURPOSE DIGITAL COMPUTER FOR AN EFFICIENT ACHIEVEMENT OF LIMITED RESOURCES IN A COMPETING ENVIRONMENT 0 2008
 
PE Systems (1)
* 2011/0010,290 Interchange Categories 5 2009
 
PE Systems, Inc. (4)
8078531 Auditing or determining reductions to card-issuer interchange fees 3 2007
* 7603312 Altering card-issuer interchange categories 8 2007
* 2008/0270,298 Altering Card-Issuer Interchange Categories 43 2007
* 2008/0270,275 Auditing or Determining Reductions to Card-Issuer Interchange Fees 16 2007
 
JBSHBM, LLC (19)
8376224 Self-service stations for utilizing non-negotiable credits earned from a game of chance 4 2011
8313023 Exchange of non-negotiable credits of an entity's rewards program for entity independent funds 31 2012
8297502 User interface for the exchange of non-negotiable credits for entity independent funds 17 2012
8342399 Conversion of credits to funds 30 2012
8684265 Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds 4 2012
8668146 Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds 9 2012
8511550 Graphical user interface for the conversion of loyalty points via a loyalty point website 26 2013
8523064 Graphical user interface for the conversion of loyalty points for services 7 2013
8540152 Conversion operations for loyalty points of different programs redeemable for services 9 2013
8794518 Conversion of loyalty points for a financial institution to a different loyalty point program for services 0 2013
8783563 Conversion of loyalty points for gaming to a different loyalty point program for services 0 2013
8763901 Cross marketing between an entity's loyalty point program and a different loyalty program of a commerce partner 0 2013
8807427 Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases 0 2013
8789752 Conversion/transfer of in-game credits to entity independent or negotiable funds 0 2013
8833650 Online shopping sites for redeeming loyalty points 4 2013
8973821 Conversion/transfer of non-negotiable credits to entity independent funds 0 2014
8950669 Conversion of non-negotiable credits to entity independent funds 0 2014
8944320 Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases 0 2014
9704174 Conversion of loyalty program points to commerce partner points per terms of a mutual agreement 0 2016
 
TUITIONFUND, LLC (1)
8589226 Methods and systems for providing a merchant funded incentive rebate or awards program 0 2012
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
* 2003/0041,025 System and method for flexible promotional rates 9 2002
* 2003/0126,015 System and Method for Cardmember Acquisition 42 2002
* 2005/0149,386 AUTHORIZING THIRD PARTY PARTICIPANTS 30 2003
* Cited By Examiner