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

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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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Patent Owner(s)

Patent OwnerAddressTotal Patents
BANK ONE, DELAWARE, NATIONAL ASSOCIATIONWILMINGTON, DE401

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Sullivan, Kevin Wilmington, DE 50 552

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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5,721,781 Authentication system and method for smart card transactions 549 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 620 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 523 1997
 
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Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 407 1994
 
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 253 1995
 
Mitsubishi Electric Semiconductor Software Co., Ltd. (1)
5,736,728 Non contact IC card and a non contact IC card system 114 1995
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 127 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 138 1999
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 266 1996
 
MOORE NORTH AMERICA, INC. (1)
5,760,381 Prepaid card 211 1996
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 320 1999
 
MOTOROLA, INC. (1)
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NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 115 1999
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 177 1999
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 75 1997
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 120 1996
 
OKI ELECTRIC INDUSTRY CO., LTD. (1)
4,746,787 IC card with display and card recording and reading device 131 1985
 
Omron Tateisi Electronics Co. (1)
4,594,663 Credit transaction processing system 165 1983
 
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method 204 1997
 
ORBIS PATENTS LTD. (1)
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OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 233 1998
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 483 1992
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 232 1989
 
PAYPAL INTERNATIONAL LIMITED (1)
6,295,522 Stored-value card value acquisition method and apparatus 182 1997
 
PELIKON LIMITED (1)
6,360,954 Portable cards 112 2000
 
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 180 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 329 1998
 
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 158 2001
 
PRIVASYS, INC. (1)
2003/0061,168 Method for generating customer secure card numbers 13 2001
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 183 1998
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 286 1996
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 117 1997
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 91 2001
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 207 1987
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 316 1995
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 99 2000
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 122 1997
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 110 1995
 
RETIREMENT CAPITAL ACCESS MANAGEMENT COMPANY LLC (1)
6,625,582 Method and system for converting a designated portion of future social security and other retirement payments to current benefits 104 1999
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 97 1996
 
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module 79 1999
 
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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 467 1996
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 123 1988
 
SmartCard International Inc. (1)
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SONY CORPORATION (1)
5,845,260 System and method for parent-controlled charging for on-line services 217 1996
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 334 1997
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 96 2001
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 453 1984
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 136 2003
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 358 1988
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 454 1995
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 549 1986
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 225 1991
 
THE OHIO STATE UNIVERSITY RESEARCH FOUNDATION (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 91 1997
 
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TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 248 1994
 
Tradevest, Inc. (1)
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TWEETER INTELLECTUAL PROPERTY, LLC (1)
5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 121 1994
 
U.S. Philips Corporation (1)
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2003/0163,403 Method and system for providing a weighted average aggregated accounts report 139 2002
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 165 1994
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 212 1994
 
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 255 1995
 
VERIZON BUSINESS GLOBAL LLC (1)
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 84 2001
 
VERIZON SERVICES CORP. (1)
5,621,787 Prepaid cash card 269 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 173 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 101 1998
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 362 1997
 
WALKER DIGITAL, LLC (1)
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 146 1999
 
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 385 1995
 
WAY AHEAD IP LLC (1)
5,905,246 Method and apparatus for coupon management and redemption 331 1996
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 286 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 153 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 179 1998
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 387 1995
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 115 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 179 1996
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 372 1997
 
Other [Check patent profile for assignment information] (41)
4,582,985 Data carrier 366 1982
4,700,055 Multiple credit card system 304 1985
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 311 1989
5,192,947 Credit card pager apparatus 329 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 384 1990
5,206,803 System for enhanced management of pension-backed credit 262 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 482 1991
5,297,026 System for promoting account activity 287 1992
5,359,183 Payment card with display 165 1992
5,326,959 Automated customer initiated entry remittance processing system 356 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 446 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 152 1993
5,585,787 Programmable credit card 386 1994
5,477,040 Structure for a method of facilitating charge transactions 232 1994
5,745,706 Computer system and related equipment for spending and investment account management 207 1994
5,689,650 Community reinvestment act network 301 1995
5,787,404 Credit-card based retirement fund system and method 194 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 244 1996
5,955,961 Programmable transaction card 335 1996
5,953,710 Children's credit or debit card system 546 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 148 1997
5,984,180 Method and system for gift credit card 188 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 163 1997
6,078,891 Method and system for collecting and processing marketing data 235 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 249 1999
6,145,741 Universal pre-paid gasoline and travel card 118 1999
6,385,591 Method and system for electronic organization of coupons 239 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 261 1999
6,868,426 Virtual document organizer system and method 115 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 84 2000
2002/0143,703 Internet cash card 77 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 164 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 111 2001
2002/0120,627 Virtual document organizer system and method 86 2002
2002/0174,016 Multiple accounts and purposes card method and system 159 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 87 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 90 2002
2003/0195,808 Managing retailer product disbursement 82 2003
2004/0024,672 Customer activated multi-value (CAM) card 96 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 83 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 176 2004

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (5)
7,904,386 System, method, and computer program product for saving and investing through use of transaction cards 4 2006
8,666,880 System and method for flexible payment terms 0 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 2 2009
8,417,635 System, method, and computer program product for saving and investing through use of transaction cards 0 2011
 
JPMORGAN CHASE BANK, N.A. (5)
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 4 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
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 1 2010
 
TRUAXIS, INC. (3)
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 0 2011
8,650,105 System and method for providing a savings opportunity in association with a financial account 0 2011
 
CHASE BANK USA, NATIONAL ASSOCIATION (1)
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 19 2008
 
J.P. MORGAN CHASE & CO. (1)
8,700,529 Mutual fund card method and system 0 2006
 
UNIVERSITAT DE GIRONA (1)
8,140,426 Auction procedure for use with a special purpose digital computer for an efficient achievement of limited resources in a competing environment 0 2008

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