US Patent No: 7,086,586

Number of patents in Portfolio can not be more than 2000

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

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

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

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Sullivan, Kevin Wilmington, DE 40 789

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (42)
4,582,985 Data carrier 413 1982
4,700,055 Multiple credit card system 349 1985
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 366 1989
5,192,947 Credit card pager apparatus 353 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 448 1990
5,206,803 System for enhanced management of pension-backed credit 282 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 558 1991
5,297,026 System for promoting account activity 318 1992
5,359,183 Payment card with display 191 1992
5,326,959 Automated customer initiated entry remittance processing system 385 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 510 1992
5,397,881 Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner 172 1993
5,585,787 Programmable credit card 496 1994
5,477,040 Structure for a method of facilitating charge transactions 259 1994
5,745,706 Computer system and related equipment for spending and investment account management 230 1994
5,689,650 Community reinvestment act network 336 1995
5,787,404 Credit-card based retirement fund system and method 215 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 293 1996
5,955,961 Programmable transaction card 432 1996
5,953,710 Children's credit or debit card system 668 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 164 1997
5,984,180 Method and system for gift credit card 237 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 183 1997
6,078,891 Method and system for collecting and processing marketing data 277 1997
6,625,582 Method and system for converting a designated portion of future social security and other retirement payments to current benefits 116 1999
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 338 1999
6,145,741 Universal pre-paid gasoline and travel card 130 1999
6,385,591 Method and system for electronic organization of coupons 326 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 305 1999
6,868,426 Virtual document organizer system and method 129 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 96 2000
2002/0143,703 Internet cash card 89 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 199 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 132 2001
2002/0120,627 Virtual document organizer system and method 101 2002
2002/0174,016 Multiple accounts and purposes card method and system 191 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 108 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 111 2002
2003/0195,808 Managing retailer product disbursement 98 2003
2004/0024,672 Customer activated multi-value (CAM) card 107 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 113 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 231 2004
 
MOORE NORTH AMERICA, INC. (1)
5,760,381 Prepaid card 244 1996
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 769 1987
 
ALEXSAM, INC. (2)
6,000,608 Multifunction card system 411 1997
6,189,787 Multifunctional card system 460 1999
 
DECISIONING.COM, INC. (2)
5,870,721 System and method for real time loan approval 738 1996
5,940,811 Closed loop financial transaction method and apparatus 591 1996
 
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 163 1995
 
GILBARCO INC. (2)
6,078,888 Cryptography security for remote dispenser transactions 261 1997
6,574,603 In-vehicle ordering 193 1998
 
CHASE MANHATAN BANK USA, N.A. (4)
6,615,189 Debit purchasing of stored value card for use by and/or delivery to others 186 1998
6,032,136 Customer activated multi-value (CAM) card 444 1998
6,615,190 Sponsor funded stored value card 227 2000
6,865,547 Customer activated multi-value (CAM) card 163 2000
 
Financial Engineering Associates, Inc. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading 264 1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination 113 1998
 
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system 568 1994
 
CAPITAL ONE FINANCIAL CORPORATION (1)
5,933,817 Tiered interest rate revolving credit system and method 250 1996
 
CATALINA MARKETING CORPORATION (8)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 489 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 619 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 483 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 585 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 807 1995
5,710,886 Electric couponing method and apparatus 601 1995
5,974,399 Method and apparatus for generating purchase incentives based on price differentials 297 1997
6,336,099 Method and system for electronic distribution of product redemption coupons 293 1998
 
U.S. PHILIPS CORPORATION (1)
4,465,206 Device for the simultaneous mounting of components on a carrier 80 1983
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 470 1995
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 132 1996
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 206 1996
 
Meridian Enterprises, Inc. (1)
5,025,372 System and method for administration of incentive award program through use of credit 653 1989
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 201 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (1)
4,746,787 IC card with display and card recording and reading device 146 1985
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 519 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 605 1995
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 305 1998
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 129 1998
 
The United States of America as represented by the Secretary of the Navy (1)
6,397,202 System and method for monitoring risk in a system development program 120 1999
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 258 1996
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 320 1998
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 453 1994
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 133 1997
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 357 1986
 
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 281 1995
 
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card 82 2000
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (1)
5,777,305 Package assembly and method for activating prepaid debit cards 305 1996
 
MASTERCARD INTERNATIONAL INCORPORATED (7)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 502 1988
5,705,798 System and method for processing a customized financial transaction card 277 1994
5,692,132 System and method for conducting cashless transactions on a computer network 569 1995
5,699,528 System and method for bill delivery and payment over a communications network 1097 1995
5,704,046 System and method for conducting cashless transactions 350 1996
6,473,500 System and method for using a prepaid card 478 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 147 2001
 
PRIME RESEARCH ALLIANCE E, INC. (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 222 2001
 
S/B Exchange Enterprises, Inc. (1)
2003/0004,828 Prepaid card authorization and security system 156 2002
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 504 1995
 
COLLEGE SAVINGS BANK (1)
4,642,768 Methods and apparatus for funding future liability of uncertain cost 222 1984
 
Mitsubishi Electric Semiconductor Software Co., Ltd. (1)
5,736,728 Non contact IC card and a non contact IC card system 127 1995
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 221 1994
 
Lobar Code Inc. (1)
5,665,953 Self-contained personal data collector for redeeming coupons 196 1996
 
Intellicard International, Inc. (1)
4,614,861 Unitary, self-contained card verification and validation system and method 657 1984
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 350 1989
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 162 2002
 
State Street Corporation (1)
2003/0101,119 Verification of net asset values 107 2001
 
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 554 1996
 
FIRST USA BANK, N.A. (1)
6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium 219 1999
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 543 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 155 1999
 
III HOLDINGS 1, LLC (3)
6,581,839 Transaction card 199 2000
2001/0054,003 System and method for using loyalty points 380 2001
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 188 2004
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 339 1994
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1513 1995
 
Store Financial Services, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 159 2003
 
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module 89 1999
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 665 1996
 
e-Vantage International, Inc. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market 230 2001
 
CITIBANK, N.A. (13)
5,453,601 Electronic-monetary system 759 1991
5,455,407 Electronic-monetary system 438 1995
5,799,087 Electronic-monetary system 256 1995
5,710,889 Interface device for electronically integrating global financial services 726 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 349 1995
6,058,378 Electronic delivery system and method for integrating global financial services 341 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 296 1996
5,920,629 Electronic-monetary system 334 1997
5,953,423 Electronic-monetary system 178 1997
5,963,648 Electronic-monetary system 240 1997
6,047,067 Electronic-monetary system 283 1997
6,098,053 System and method for performing an electronic financial transaction 505 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 174 1999
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 471 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 431 1998
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 397 1988
 
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 475 1993
 
RATEZE REMOTE MGMT. L.L.C. (2)
5,765,141 Computerized merchandising system 307 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 293 1996
 
SmartCard International Inc. (1)
4,868,376 Intelligent portable interactive personal data system 523 1987
 
NIEDZWIECKI, CARL J (1)
6,036,099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom 245 1997
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 135 1997
 
PRICELINE.COM LLC (2)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1757 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 516 1997
 
INTELLECT AUSTRALIA PTY LTD. (2)
6,091,817 Host and user transaction system 142 1997
6,095,412 Host and user transaction system 156 1997
 
CITICORP DEVELOPMENT CENTER, INC. (1)
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal 108 1998
 
Martiz, Inc. (1)
5,689,100 Debit card system and method for implementing incentive award program 446 1996
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1290 1989
 
LUCENT TECHNOLOGIES INC. (5)
5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 412 1993
5,608,785 Method and apparatus for telephone prize opportunities 157 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 541 1994
5,857,079 Smart card for automatic financial records 343 1994
5,729,693 System and method to automatically provide an electronic consumer rebate 267 1996
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 118 2001
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 248 1987
 
Autoscribe Corporation (1)
6,041,315 Automated payment system and method 228 1997
 
USA TECHNOLOGIES, INC. (1)
5,637,845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 300 1995
 
WAY AHEAD IP LLC (1)
5,905,246 Method and apparatus for coupon management and redemption 407 1996
 
MOTOROLA, INC. (1)
6,049,463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same 149 1997
 
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 258 1995
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 455 1995
 
COMPUTERIZED DATA SYSTEMS FOR MANUFACTURERS (C.D.S.M.) (1)
5,049,728 IC card system with removable IC modules 231 1990
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 117 2000
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
5,247,190 Electroluminescent devices 1318 1990
5,401,827 Semiconductive copolymers for use in luminescent devices 128 1991
5,399,502 Method of manufacturing of electrolumineschent devices 591 1993
5,512,654 Semiconductive copolymers for use in luminescent devices 112 1994
5,672,678 Semiconductive copolymers for use in luminescent devices 134 1995
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 149 1995
5,807,627 Electroluminescent devices 168 1997
 
MITSUBISHI DENKI KABUSHIKI KAISHA (3)
4,928,001 Secret information preserving system for a multiple issuer IC card 186 1988
5,202,286 Method of forming three-dimensional features on substrates with adjacent insulating films 78 1991
6,045,042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption 104 1992
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 248 1989
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 181 1994
 
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method 182 2001
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (1)
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 614 1996
 
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 164 1997
 
BENHOV GMBH, LLC (3)
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 313 1996
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 157 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 186 1997
 
Omron Tateisi Electronics Co. (1)
4,594,663 Credit transaction processing system 176 1983
 
DAI NIPPON PRINTING CO., LTD. (1)
6,002,383 Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back 118 1996
 
TWEETER INTELLECTUAL PROPERTY, LLC (1)
5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 136 1994
 
SWYCHCO SUPPORT SERVICES PTY LTD (FORMERLY BONJADE PTY LTD) (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 365 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 230 1997
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (2)
6,128,599 Method and apparatus for processing customized group reward offers 444 1997
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 158 1999
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 239 1998
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 196 1993
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 637 1995
 
CHESS VENTURES LLC (2)
* 2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 103 2001
* 2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 103 2001
 
MICRO ENHANCEMENT INTERNATIONAL (1)
5,857,175 System and method for offering targeted discounts to customers 577 1995
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 330 1997
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 241 1985
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 448 1995
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1659 1995
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2003/0023,549 Consolidated payment account system and method 129 2002
 
SONY CORPORATION (1)
5,845,260 System and method for parent-controlled charging for on-line services 262 1996
 
LDC Direct Ltd. (1)
6,169,975 Point-of-distribution pre-paid card vending system 175 1997
 
VISA INTERNATIONAL SERVICE ASSOCIATION (15)
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 334 1986
4,822,985 Transaction approval system 128 1987
4,906,826 Usage promotion method for payment card transaction system 149 1988
4,870,259 Transaction approval system 124 1989
4,908,521 Transaction approval system 130 1989
4,943,707 Transaction approval system 168 1989
5,175,416 Funds transfer system 391 1991
5,477,038 Method and apparatus for distributing currency 479 1993
5,465,206 Electronic bill pay system 806 1993
5,703,344 Electronic funds confirmation at point of transaction 355 1995
RE36365 Method and apparatus for distributing currency 288 1996
5,920,847 Electronic bill pay system 731 1996
RE37122 Method and apparatus for distributing currency 228 1998
6,298,336 Card activation at point of distribution 242 1998
RE38255 Method and apparatus for distributing currency 150 2001
 
SAMSUNG ELECTRONICS CO., LTD. (4)
2003/0193,657 Range finder device and camera 37 2003
2003/0193,657 Range finder device and camera 37 2003
2003/0193,657 Range finder device and camera 37 2003
2003/0193,657 Range finder device and camera 37 2003
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 404 1995
 
Cardtronics, Inc. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 418 1990
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
5,727,153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 353 1995
5,806,044 System and method for distributing coupons through a system of computer networks 382 1996
5,884,278 Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register 203 1997
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 86 1997
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 103 1991
 
Level Z, L.L.C. (1)
2002/0165,820 Prepaid electronic cash system with pin vending machines 90 2001
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 123 1995
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment 161 1985
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 336 1996
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
5,218,631 Telephonic-interface game control system 169 1990
5,365,575 Telephonic-interface lottery system 194 1991
5,553,120 Telephonic-interface game control system 139 1993
5,349,633 Telephonic-interface game control system 140 1994
5,787,156 Telephonic-interface lottery system 167 1994
5,835,576 Telephonic-interface lottery device 191 1997
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 164 1998
 
LHS TELEKOM GMBH& CO. KG (1)
2002/0091,572 Prepaid service interface system and method 98 2001
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 114 1998
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (4)
5,819,234 Toll collection system 221 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 236 1997
6,167,385 Supply chain financing system and method 213 1998
2002/0095,365 Corporate products trading marketplace 134 2001
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (1)
6,805,287 System and method for converting a stored value card to a credit card 155 2002
 
M.A. Rivalto Inc. (1)
5,482,139 Automated drive-up vending facility 260 1995
 
TRANSILWRAP COMPANY, INC. (1)
4,545,838 Lamination product and method employing temporary transfer film 135 1983
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 109 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (1)
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 441 1997
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 232 1987
 
Quadnovation, Inc. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 108 2001
 
Pennsylvania Food Merchants Association (1)
5,581,064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 201 1994
 
THE OHIO STATE UNIVERSITY (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 101 1997
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 137 1988
 
NCR CORPORATION (4)
4,634,845 Portable personal terminal for use in a system for handling transactions 302 1984
4,689,478 System for handling transactions including a portable personal terminal 291 1984
5,770,843 Access card for multiple accounts 361 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 548 1998
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 176 1997
 
Assured Equities, Inc. (1)
6,064,985 Automated portfolio management system with internet datafeed 286 1998
 
PRIVASYS, INC. (1)
2003/0061,168 Method for generating customer secure card numbers 35 2001
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 364 1995
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 776 1996
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 244 1998
 
AMAZON.COM, INC. (1)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 629 1995
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 174 1998
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 353 1999
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 465 1997
 
BANK OF AMERICA CORPORATION (1)
6,016,482 Enhanced collateralized funding processor 338 1996
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 446 1997
 
Minerva, L.P. (1)
5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy 289 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 208 1999
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 103 1999
6,446,210 Method for securing communication by selecting an encoding process using a first computer based upon ability of a second computer and deleting the process thereafter 137 1999
6,434,259 Method of providing secure user access 116 1999
6,429,927 Imaging device, especially for optical fingerprinting 112 1999
6,498,861 Biometric security encryption system 133 2000
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 638 1992
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 391 1997
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (2)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 265 1998
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 98 2002
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 527 1984
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 254 1994
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 207 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 290 1994
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 201 1998
 
PELIKON LIMITED (1)
6,360,954 Portable cards 128 2000
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 294 1998
 
GIESECKE & DEVRIENT GMBH (1)
6,343,743 Method of checking authenticity of a data carrier 76 1998
 
THE WESTERN UNION COMPANY (2)
5,326,960 Currency transfer system and method 228 1992
5,350,906 Currency transfer system and method using fixed limit cards 516 1992
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 269 1991
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 137 1997
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5,339,239 Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal 285 1990
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 136 1999
 
Brubaker, Randall E. (1)
6,186,793 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 129 1997
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 105 2001
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 775 1995
 
ASSA ABLOY AB (5)
5,737,421 System for controlling access to a function having clock synchronization 130 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 210 1996
5,887,065 System and method for user authentication having clock synchronization 198 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 179 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 119 2000
 
GOOGLE TECHNOLOGY HOLDINGS LLC (2)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 281 1996
6,265,977 Radio frequency identification tag apparatus and related method 381 2000
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 431 2000
 
Call Processing, Inc. (2)
5,511,114 Telephone pre-paid calling card system and method 338 1994
5,721,768 Pre-paid card system and method 329 1996
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 315 1996
 
KABUSHIKI KAISHA TOSHIBA (4)
5,055,662 Portable information record medium having liquid crystal and photoconductive layers 186 1989
5,180,901 IC card with individual authentication function 249 1991
5,710,458 Card like semiconductor device 172 1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications 148 1997
 
INTER*ACT SYSTEMS, INCORPORATED (4)
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 575 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 459 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 347 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 422 1994
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 118 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
6,278,981 Computer-implemented method and apparatus for portfolio compression 270 1998
* 2003/0154,125 Pesonalisation of promotional offers 91 2001
6,641,050 Secure credit card 199 2001
 
WYNN, SOL H. (1)
5,859,419 Programmable multiple company credit card system 465 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 284 1995
 
AT&T IPM CORP. (3)
5,479,494 Virtual calling card system 284 1992
5,450,477 Monitoring of charges debited to an account having an assigned limit 161 1993
5,708,422 Transaction authorization and alert system 509 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1054 1995
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 115 1989
5,080,748 Card assembly apparatus 177 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 301 1998
6,068,183 Chip card system 209 1998
5,931,764 Wearable device with flexible display 205 1998
6,402,039 Flexible chip card with display 180 1999
6,450,407 Chip card rebate system 414 2000
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 651 1991
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 153 2000
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 225 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 182 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 195 1998
 
FUJITSU LIMITED (4)
6,003,762 Transaction terminal for an electronic cashless system 264 1994
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 428 1998
* 2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 93 2002
* 2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 89 2004
 
PREVISER CORPORATION (1)
6,484,144 Method and system for healthcare treatment planning and assessment 160 1999
 
BOWIE, STUART S. (1)
6,195,644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 185 1999
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 488 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 317 1991
5,864,828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation 262 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 295 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 552 1994
5,644,727 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 660 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 309 1997
5,875,437 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 677 1997
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 472 1996
 
CASIO COMPUTER CO., LTD. (1)
4,754,418 Combined electronic calculator and credit card 136 1985
 
Coupco, Inc. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 341 1991
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 91 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 117 1996
5,770,849 Smart card device with pager and visual image display 161 1996
5,734,154 Smart card with Iintegrated reader and visual image display 244 1996
5,789,733 Smart card with contactless optical interface 316 1996
 
Phoenix Licensing, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 493 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 339 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 165 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 132 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 125 2003
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 112 1988
 
PAYPAL INTERNATIONAL LIMITED (1)
6,295,522 Stored-value card value acquisition method and apparatus 218 1997
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 338 1993
 
JPMORGAN CHASE BANK, N.A. (9)
5,940,844 Method and apparatus for displaying electronic image of a check 282 1995
6,227,447 Cardless payment system 439 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 156 1999
6,631,849 Selectable multi-purpose card 470 2000
6,341,724 Cardless payment system 199 2001
2001/0034,682 International banking system and method 133 2001
2002/0077,978 Method and system for processing internet payments 371 2001
* 2003/0033,246 Sponsor funded stored value card 102 2002
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 279 2003
 
MICROSOFT TECHNOLOGY LICENSING, LLC (4)
5,852,812 Billing system for a network 587 1995
5,721,781 Authentication system and method for smart card transactions 666 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 718 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 618 1997
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 202 2000
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 599 1986
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 427 1996
 
GENERAL ELECTRIC COMPANY (3)
5,696,907 System and method for performing risk and credit analysis of financial service applications 327 1995
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 165 1998
6,675,127 Computerized systems and methods for managing project issues and risks 95 2001
 
VERIZON PATENT AND LICENSING INC. (2)
5,621,787 Prepaid cash card 311 1995
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 99 2001
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (5)
5,483,445 Automated billing consolidation system and method 432 1993
5,684,291 Refundable prepaid telephone card 153 1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 268 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 115 1995
5,988,509 Refundable prepaid telephone card 162 1997
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 128 2002
2004/0243,498 Interest bearing gift card mechanisms 96 2004
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 143 1996
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 503 1995
 
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 238 1997
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 819 1994
5,884,271 Device, system and methods of conducting paperless transactions 560 1996
 
MEGA GROUP INTERNATIONAL, LTD. (1)
6,163,770 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 261 1998
 
AT&T CORP. (3)
5,675,607 Method and apparatus for facilitating the making of card calls 120 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 189 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 116 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 2 2008
 
JPMORGAN CHASE BANK, N.A. (6)
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 5 2006
7,805,368 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7,818,253 Debit purchasing of stored value card for use by and/or delivery to others 5 2007
7,809,643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 29 2008
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 2 2010
 
UNIVERSITAT DE GIRONA (2)
* 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
* 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)
8,600,857 System and method for providing a savings opportunity in association with a financial account 0 2011
8,566,197 System and method for providing socially enabled rewards through a user financial instrument 1 2011
* 2012/0004,967 SYSTEM AND METHOD FOR PROVIDING A FUTURE REWARD THROUGH A USER FINANCIAL INSTRUMENT 12 2011
8,650,105 System and method for providing a savings opportunity in association with a financial account 0 2011
 
Coupa Incorporated (1)
8,756,118 Shopping at e-commerce sites within a business procurement application 0 2011
 
J.P. MORGAN CHASE & CO (2)
* 8,700,529 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 2 2010
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (1)
* 2011/0307,377 SYSTEMS AND METHODS TO MANAGE AND CONTROL USE OF A VIRTUAL CARD 2 2011
 
III HOLDINGS 1, LLC (4)
* 7,904,386 System, method, and computer program product for saving and investing through use of transaction cards 16 2006
* 2007/0185,810 System, method, and computer program product for saving and investing through use of transaction cards 1 2006
8,417,635 System, method, and computer program product for saving and investing through use of transaction cards 1 2011
* 2011/0125,637 SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SAVING AND INVESTING THROUGH USE OF TRANSACTION CARDS 5 2011
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (12)
8,666,880 System and method for flexible payment terms 0 2007
* 2008/0262,919 SYSTEM AND METHOD FOR FLEXIBLE PAYMENT TERMS 5 2007
8,589,284 System and method for flexible election of payment terms 0 2009
8,326,747 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 0 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 10 2009
8,799,151 System and method for flexible payment terms 0 2014
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Feb 8, 2018
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