US Patent No: 6,243,688

Number of patents in Portfolio can not be more than 2000

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

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ATTORNEY / AGENT: (SPONSORED)
 

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Abstract

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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First Claim

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Patent Owner(s)

  • Assignment data not available. Check USPTO

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Kalina, Dyan T 115 S. Topanga Cyn. Blvd., Suite 186, Topanga, CA 90290 2 338

Cited Art

Patent Info (Count) # Cites Year
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 460 1995
 
ASPEN MARKETING SERVICES, INC. (1)
5,983,196 Interactive computerized methods and apparatus for conducting an incentive awards program 144 1996
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 181 1994
 
EVERY PENNY COUNTS, INC. (1)
5,621,640 Automatic philanthropic contribution system 137 1994
 
FIRST MARKETRUST INTL. (1)
5,537,314 Referral recognition system for an incentive award program 579 1995
 
FPX, LLC (1)
5,483,049 Coupon exchanging and check writing system 55 1994
 
KALINA, DYAN T. (1)
5,970,480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 124 1997
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5,806,045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 391 1996
 
TRADEVEST, INC. (1)
4,750,119 Purchasing system with rebate feature 288 1986
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 176 1994
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (3)
5,233,514 System and method for redeeming and accumulating stock purchase credits in a company by the participating consumers 69 1990
5,297,026 System for promoting account activity 247 1992
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. (92)
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
6,631,849 Selectable multi-purpose card 269 2000
6,985,873 System and method for administering a brokerage rebate card program 2 2001
6,945,453 System and method for funding a collective account by use of an electronic tag 33 2001
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
7,895,098 System and method for measuring and utilizing pooling analytics 17 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
8,175,908 Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data 1 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
7,962,391 System and method for determining elegibility and enrolling members in various programs 0 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
8,386,381 Method and system for detecting, monitoring and addressing data compromises 0 2009
8,095,459 Method and system for providing flexible financing 1 2010
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
8,255,307 System and method for measuring and utilizing pooling analytics 0 2011
8,326,694 Personalized interactive network architecture 0 2011
 
VISA U.S.A. INC. (27)
8,010,405 Multi-application smart card device software solution for smart cardholder reward selection and redemption 2 2003
6,920,611 Method and system for implementing a loyalty merchant component 38 2003
7,104,446 Method, system and portable consumer device using wildcard values 20 2003
8,015,060 Method and system for managing limited use coupon and coupon prioritization 0 2003
7,121,456 Method and system for managing token image replacement 13 2003
7,051,923 Method and system for providing interactive cardholder rewards image replacement 25 2003
8,005,763 Method and system for providing a distributed adaptive rules based dynamic pricing system 0 2003
7,827,077 Method and apparatus for management of electronic receipts on portable devices 2 2003
7,653,602 Centralized electronic commerce card transactions 2 2003
7,464,870 Method and system for providing interactive cardholder rewards image replacement 1 2006
7,350,702 Method, system and portable consumer device using wildcard values 7 2006
7,374,078 Method and system for managing token image replacement 3 2006
7,367,501 Method, system and portable consumer device using wildcard values 9 2006
7,857,215 Method and system including phone with rewards image 0 2007
7,857,216 Method and system for providing interactive cardholder rewards image replacement 0 2007
7,654,451 Method, system and portable consumer device using wildcard values 4 2007
7,611,054 Mobile phone including wildcard data string 3 2007
7,624,917 Method and system for managing token image replacement 1 2007
7,591,412 Method and system for managing token image replacement 1 2007
8,386,343 Method and user device for management of electronic receipts 0 2009
7,987,120 Method and portable device for management of electronic receipts 2 2009
7,725,369 Method and server for management of electronic receipts 4 2009
7,861,919 Method and system for managing loyalty program information on a phone 1 2009
7,900,831 Method and system using wildcard values 2 2009
8,346,634 Method and apparatus for management of electronic receipts on portable devices 0 2010
8,141,777 Method and system using wildcard values 0 2011
8,244,648 Method and system for providing a distributed adaptive rules based dynamic pricing system 0 2011
 
PROPULSION REMOTE HOLDINGS, LLC (16)
7,398,225 System and method for networked loyalty program 9 2001
7,398,226 System and method for networked loyalty program 6 2001
7,613,628 System and method for networked loyalty program 3 2001
7,613,629 System and method for the transfer of loyalty points 14 2002
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
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (11)
8,046,256 System and method for using loyalty rewards as currency 27 2001
7,606,730 System and method for a multiple merchant stored value card 14 2002
7,788,129 System and method for redeeming vouchers 0 2003
7,912,777 System and method for using cash rebates 0 2004
7,509,272 Calendar auction method and computer program product 0 2004
8,301,566 System and method for providing a financial transaction instrument with user-definable authorization criteria 0 2005
7,702,547 Calculating and displaying interest avoided by use of a particular interest calculation method 3 2005
7,904,386 System, method, and computer program product for saving and investing through use of transaction cards 0 2006
8,321,270 System and method for a multiple merchant stored value card 2009
8,423,401 System and method for redeeming vouchers 0 2010
8,417,635 System, method, and computer program product for saving and investing through use of transaction cards 0 2011
 
CHARLES SCHWAB & CO., INC. (5)
7,483,847 System and method for referral fee processing in accounts managed by financial advisors 4 2002
7,873,556 System and method for margin loan securitization 2 2002
7,747,497 System and method for referral fee processing in accounts managed by financial advisors 0 2008
8,019,669 System and method for referral fee processing in accounts managed by financial advisors 0 2010
8,126,798 System and method for margin loan securitization 0 2010
 
PE SYSTEMS, LLC (5)
8,024,268 Altering card-issuer interchange categories 3 2009
8,019,680 Altering card-issuer interchange categories 3 2009
8,019,681 Interchange categories 3 2009
8,244,634 Interchange categories 0 2011
8,301,559 Determination of interchange categories 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 (4)
7,426,530 System and method for providing customers with seamless entry to a remote server 22 2000
7,313,546 System and method for currency selectable stored value instrument 6 2001
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
 
GRDN. NET SOLUTIONS, LLC (4)
7,257,581 Storage, management and distribution of consumer information 20 2001
7,467,141 Branding and revenue sharing models for facilitating storage, management and distribution of consumer information 10 2001
7,487,130 Consumer-controlled limited and constrained access to a centrally stored information account 4 2006
8,260,806 Storage, management and distribution of consumer information 0 2007
 
AFFINION NET PATENTS, INC. (3)
6,578,012 Fully integrated, on-line interactive frequency and award redemption program 41 1999
7,430,520 System and method for determining the level of a authentication required for redeeming a customer's award credits 1 2000
7,778,868 System and method for determining the level of an authentication required for redeeming a customers award credits 1 2008
 
ENFOTRUST NETWORKS, INC. (3)
8,028,039 System and method for communicating data between wireless mobile hand-held computer and a back-end computer system 0 2005
7,861,281 System and method for facilitating the transfer of information relating to quality of an organization 0 2005
7,708,202 System and method for facilitating sales utilizing customer relationship management technology 1 2005
 
CAPITAL ONE FINANCIAL CORPORATION (2)
8,131,590 System and methods for purchase reward investment communities 1 2007
8,386,307 System and methods for purchase reward investment communities 0 2012
 
CHASE MANHATAN BANK USA, N.A. (2)
6,865,547 Customer activated multi-value (CAM) card 102 2000
6,892,187 Debit purchasing of stored value card for use by and/or delivery to others 42 2003
 
CITIBANK, N.A. (2)
7,010,509 System and method for funding an account and consolidating financial relationships 2 1999
7,092,905 Systems and methods for the processing of financial transactions 46 2001
 
CITICORP CREDIT SERVICES, INC. (2)
7,398,246 Method and system for managing a mortgage rebate transaction card account 0 2004
8,156,039 Method and system for managing a mortgage rebate transaction card account 0 2008
 
PE SYSTEMS INC. (2)
8,078,531 Auditing or determining reductions to card-issuer interchange fees 2 2007
7,603,312 Altering card-issuer interchange categories 7 2007
 
RELOCALL GROUP B.V. LLC (2)
7,104,443 Method and system for facilitating electronic funds transactions 134 2002
7,775,426 Method and system for facilitating electronic funds transactions 1 2006
 
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
 
CARBON TECHNOLOGIES NV (1)
6,964,695 Method and equipment for removing volatile compounds from air 1 2003
 
CHASE BANK USA, N.A. (1)
7,163,153 Selectable multi-purpose card 105 2003
 
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
 
COMPUCREDIT INTELLECTUAL PROPERTY HOLDINGS CORP. II (1)
7,204,412 Family stored value card program 23 2004
 
CORNELIUS MARKETING (1)
7,480,634 Method and system for saving and investing through use of a money management card and pooled investment accounts 2 2002
 
DORMARKE ASSETS LIMITED LIABILITY COMPANY (1)
8,117,649 Distributed hierarchical identity management 0 2010
 
ENFO TRUST NETWORKS, INC. (1)
7,957,990 System and method for managing asset installation and evaluation 0 2005
 
EXCENTUS CORPORATION (1)
7,742,942 System and method for discounting fuel 2 2005
 
FORTUNE MACHINE CORPORATION LIMITED (1)
7,233,911 System for deducting and adding a percentage of a customer's purchase amount to a jackpot 2 1999
 
H.O.M.E. MORTGAGE CARD, LLC (1)
8,078,491 System for card activity-based residential crediting 0 2000
 
J.P. MORGAN CHASE & CO. (1)
6,941,279 Mutual fund card method and system 15 2000
 
NOVAWIZ, INC. (1)
6,879,994 System and method for processing and presenting internet usage information to facilitate user communications 46 2000
 
REFLEXIS SYSTEMS, INC. (1)
8,135,611 System and method for managing asset installation and evaluation 0 2011
 
SILICON VALLEY BANK (1)
8,191,776 System and method for funding via a prepaid card a financial product intended or targeted by the purchaser at the time of purchase 0 2009
 
SONY ELECTRONICS INC. (1)
7,289,970 Method to electronically track personal credit information 34 2000
 
TECH EQUITY PARTNERS LLC (1)
6,663,002 Apparatus and method for facilitating credit transactions 9 2001
 
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
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
8,429,048 System and method for processing payment transaction receipts 0 2010
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (8)
7,299,204 System for winning investment selection using collective input and weighted trading and investing 3 2001
7,219,071 Administering incentive award program 10 2001
7,155,614 System and method for single sign on process for websites with multiples applications and services 11 2006
8,239,261 Method and system for managing limited use coupon and coupon prioritization 0 2008
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

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 5, 2012
Fee Large entity fee small entity fee micro entity fee
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00