System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7086586
SERIAL NO

10853107

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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The present invention comprises an apparatus and method for a card payment instrument providing that a share of program profits above a pre-designated level is returned to participating consumers at pre-designated intervals such as annually. Customers respond to an offer to participate in the mutual benefit program. After admission to the program, the card issuer tracks the performance according to the desired financial metric for the participating cardholders. At certain intervals, such as yearly, the card issuer reports out the financial performance for the period. If the financial performance exceeded the pre-designated threshold performance, then returns are distributed to participating cardholders according to a share methodology. The share methodology can provide that returns are allocated among participating cardholders according to various criteria, such as based on spending volume, finance charges, and so forth.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
BANK ONE, DELAWARE, NATIONAL ASSOCIATIONWILMINGTON, DE177

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Sullivan, Kevin Wilmington, DE 40 951

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 144 1999
 
Brubaker, Randall E. (1)
6186793 Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events 138 1997
 
DEUTSCHE TELEKOM AG (1)
6693544 Electronic identification tag 107 2001
 
First Marketrust Intl. (1)
5537314 Referral recognition system for an incentive award program 809 1995
 
ASSA ABLOY AB (5)
5737421 System for controlling access to a function having clock synchronization 137 1996
5802176 System for controlling access to a function, using a plurality of dynamic encryption variables 219 1996
5887065 System and method for user authentication having clock synchronization 206 1997
5937068 System and method for user authentication employing dynamic encryption variables 193 1997
6308268 Portable electronic device for safe communication system, and method for initializing its parameters 121 2000
 
APPLE INC. (1)
6484148 Electronic advertising device and method of using the same 509 2000
 
Call Processing, Inc. (2)
5511114 Telephone pre-paid calling card system and method 346 1994
5721768 Pre-paid card system and method 336 1996
 
MONDEX INTERNATIONAL LIMITED (1)
5778067 Value transfer system 333 1996
 
KABUSHIKI KAISHA TOSHIBA (4)
5055662 Portable information record medium having liquid crystal and photoconductive layers 188 1989
5180901 IC card with individual authentication function 256 1991
5710458 Card like semiconductor device 175 1995
5815658 Portable terminal apparatus for IC card compatible with a plurality of applications 151 1997
 
INTER*ACT SYSTEMS, INCORPORATED (4)
5621812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 617 1993
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 502 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 370 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 481 1994
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6366220 RF tag based system and method for drive-through applications 125 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
6278981 Computer-implemented method and apparatus for portfolio compression 275 1998
* 2003/0154,125 Pesonalisation of promotional offers 92 2001
6641050 Secure credit card 208 2001
 
WYNN, SOL H. (1)
5859419 Programmable multiple company credit card system 490 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5742775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 288 1995
 
AT&T IPM CORP. (3)
5479494 Virtual calling card system 293 1992
5450477 Monitoring of charges debited to an account having an assigned limit 163 1993
5708422 Transaction authorization and alert system 561 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5677955 Electronic funds transfer instruments 1114 1995
 
Bostec Systems, Inc. (2)
4978401 Card assembly method 116 1989
5080748 Card assembly apparatus 180 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6019284 Flexible chip card with display 310 1998
6068183 Chip card system 220 1998
5931764 Wearable device with flexible display 220 1998
6402039 Flexible chip card with display 189 1999
6450407 Chip card rebate system 460 2000
 
CHECKFREE CORPORATION (1)
5383113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 682 1991
 
INVESTPIC, LLC (1)
6349291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 157 2000
 
International Card Technologies, Inc. (3)
5883377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 228 1995
5984191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 186 1997
6138917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 197 1998
 
FUJITSU LIMITED (4)
6003762 Transaction terminal for an electronic cashless system 273 1994
6129274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 458 1998
* 2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 103 2002
* 2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 90 2004
 
PREVISER CORPORATION (1)
6484144 Method and system for healthcare treatment planning and assessment 180 1999
 
BOWIE, STUART S. (1)
6195644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 194 1999
 
HOME ACCOUNT NETWORK, INC. (8)
4953085 System for the operation of a financial account 500 1987
5911135 System for managing financial accounts by a priority allocation of funds among accounts 335 1991
5864828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation 267 1991
5884285 System for managing financial accounts by reallocating funds among accounts 306 1992
5852811 Method for managing financial accounts by a preferred allocation of funds among accounts 570 1994
5644727 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 746 1994
5911136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 315 1997
5875437 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 748 1997
 
BLOCK FINANCIAL LLC (1)
6014645 Real-time financial card application system 523 1996
 
CASIO COMPUTER CO., LTD. (1)
4754418 Combined electronic calculator and credit card 138 1985
 
Coupco, Inc. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 357 1991
 
JP Morgan Chase (1)
2005/0027,649 Event typer 93 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5728998 Secure smart card reader with virtual image display and pull-down options 118 1996
5770849 Smart card device with pager and visual image display 170 1996
5734154 Smart card with Iintegrated reader and visual image display 260 1996
5789733 Smart card with contactless optical interface 335 1996
 
Phoenix Licensing, LLC (5)
5987434 Apparatus and method for transacting marketing and sales of financial products 513 1996
6076072 Method and apparatus for preparing client communications involving financial products and services 348 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 175 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 135 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 127 2003
 
PAYPAL INTERNATIONAL LIMITED (1)
6295522 Stored-value card value acquisition method and apparatus 229 1997
 
AT&T Bell Laboratories (1)
5311594 Fraud protection for card transactions 360 1993
 
JPMORGAN CHASE BANK, N.A. (9)
5940844 Method and apparatus for displaying electronic image of a check 300 1995
6227447 Cardless payment system 497 1999
6505168 System and method for gathering and standardizing customer purchase information for target marketing 189 1999
6631849 Selectable multi-purpose card 517 2000
6341724 Cardless payment system 242 2001
2001/0034,682 International banking system and method 139 2001
2002/0077,978 Method and system for processing internet payments 415 2001
* 2003/0033,246 Sponsor funded stored value card 103 2002
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 298 2003
 
MICROSOFT TECHNOLOGY LICENSING, LLC (4)
5852812 Billing system for a network 600 1995
5721781 Authentication system and method for smart card transactions 703 1995
5883810 Electronic online commerce card with transactionproxy number for online transactions 804 1997
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions 685 1997
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6405182 System for dispensing prepaid debit cards through point-of-sale terminals 207 2000
 
The Chubb Corporation (1)
4831526 Computerized insurance premium quote request and policy issuance system 615 1986
 
Electronic Consumer Concepts, L.L.C. (1)
5845259 Electronic coupon dispensing system 453 1996
 
GENERAL ELECTRIC COMPANY (3)
5696907 System and method for performing risk and credit analysis of financial service applications 358 1995
6182048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 174 1998
6675127 Computerized systems and methods for managing project issues and risks 100 2001
 
VERIZON PATENT AND LICENSING INC. (2)
5621787 Prepaid cash card 324 1995
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 104 2001
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (4)
5483445 Automated billing consolidation system and method 444 1993
5684291 Refundable prepaid telephone card 156 1995
6115458 Method and apparatus for summaries of prepaid instrument transaction activity 270 1995
5988509 Refundable prepaid telephone card 164 1997
 
IBGC Corporation (2)
2004/0098,351 Interest bearing gift card and related methods and systems 138 2002
2004/0243,498 Interest bearing gift card mechanisms 100 2004
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5777306 Credit card system and method of using credit card with such credit card system 149 1996
 
TGIP, INC. (1)
5577109 Pre-paid card system and method 519 1995
 
FRANCE TELECOM (1)
5991413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 248 1997
 
C-SAM, INC. (2)
5590038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 931 1994
5884271 Device, system and methods of conducting paperless transactions 609 1996
 
MEGA GROUP INTERNATIONAL, LTD. (1)
6163770 Computer apparatus and method for generating documentation using a computed value for a claims cost affected by at least one concurrent, different insurance policy for the same insured 275 1998
 
AT&T CORP. (3)
5675607 Method and apparatus for facilitating the making of card calls 122 1995
5864609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 194 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 119 1998
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
CASHKLICK INC. (2)
* 2008/0319,838 REWARD SYSTEM AND METHOD FOR ONLINE CREDIT AND DEBIT CARD TRANSACTIONS 1 2007
* 2008/0319,854 REWARD SYSTEM AND METHOD FOR ONLINE CREDIT AND DEBIT CARD TRANSACTIONS 3 2008
 
JPMORGAN CHASE BANK, N.A. (6)
7809642 Debit purchasing of stored value card for use by and/or delivery to others 5 2006
7805368 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7818253 Debit purchasing of stored value card for use by and/or delivery to others 5 2007
7809643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7747463 Debit purchasing of stored value card for use by and/or delivery to others 31 2008
8005756 Debit purchasing of stored value card for use by and/or delivery to others 3 2010
 
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
 
TRUAXIS, INC. (4)
8600857 System and method for providing a savings opportunity in association with a financial account 0 2011
8566197 System and method for providing socially enabled rewards through a user financial instrument 4 2011
* 2012/0004,967 SYSTEM AND METHOD FOR PROVIDING A FUTURE REWARD THROUGH A USER FINANCIAL INSTRUMENT 35 2011
8650105 System and method for providing a savings opportunity in association with a financial account 0 2011
 
INTUIT INC. (1)
* 9754318 Relative spending pattern reports for a financial management system 0 2006
 
Coupa Incorporated (1)
8756118 Shopping at e-commerce sites within a business procurement application 0 2011
 
J.P. MORGAN CHASE & CO. (2)
* 8700529 Mutual fund card method and system 0 2006
* 2007/0005,497 Mutual Fund Card Method and System 0 2006
 
SIGNATURE SYSTEMS LLC (1)
* 2012/0130,785 METHOD AND SYSTEM FOR REDEEMING REWARDS IN PAYMENT OF A TRANSACTION ACCOUNT 3 2010
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (1)
* 2011/0307,377 SYSTEMS AND METHODS TO MANAGE AND CONTROL USE OF A VIRTUAL CARD 4 2011
 
III HOLDINGS 1, LLC (4)
* 7904386 System, method, and computer program product for saving and investing through use of transaction cards 24 2006
* 2007/0185,810 System, method, and computer program product for saving and investing through use of transaction cards 2 2006
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 9 2011
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (12)
8666880 System and method for flexible payment terms 0 2007
* 2008/0262,919 SYSTEM AND METHOD FOR FLEXIBLE PAYMENT TERMS 6 2007
8589284 System and method for flexible election of payment terms 0 2009
8326747 System and method for flexible deferred payment terms 4 2009
* 2009/0259,548 SYSTEM AND METHOD FOR FLEXIBLE ELECTION OF PAYMENT TERMS 3 2009
* 2009/0254,478 SYSTEM AND METHOD FOR FLEXIBLE DEFERRED PAYMENT TERMS 3 2009
* 2009/0287,557 SYSTEM AND METHOD FOR INCENTIVIZING CONSUMERS 2 2009
* 2010/0106,576 SYSTEM AND METHOD FOR DISTRIBUTING AND TRACKING INCENTIVES FOR POSITIVE BEHAVIOR 0 2009
* 2010/0106,582 SYSTEM AND METHOD FOR DETERMINING AND AFFECTING A CHANGE IN CONSUMER BEHAVIOR 1 2009
* 2010/0106,586 SYSTEM AND METHOD FOR DETERMINING POSITIVE CONSUMER BEHAVIOR BASED UPON STRUCTURAL RISK 3 2009
* 2010/0106,589 SYSTEM AND METHOD FOR DETERMINING A POSITIVE BEHAVIOR BASED UPON AN ACCUMULATED METRIC OR TREND 12 2009
8799151 System and method for flexible payment terms 0 2014
* Cited By Examiner

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