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

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 40 864

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (43)
4582985 Data carrier 422 1982
4700055 Multiple credit card system 352 1985
4941090 Centralized consumer cash value accumulation system for multiple merchants 374 1989
5192947 Credit card pager apparatus 355 1990
5049728 IC card system with removable IC modules 234 1990
5117355 Centralized consumer cash valve accumulation system for multiple merchants 458 1990
5206803 System for enhanced management of pension-backed credit 285 1991
5202826 Centralized consumer cash value accumulation system for multiple merchants 573 1991
5297026 System for promoting account activity 325 1992
5359183 Payment card with display 194 1992
5326959 Automated customer initiated entry remittance processing system 385 1992
5287268 Centralized consumer cash value accumulation system for multiple merchants 524 1992
5397881 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
5585787 Programmable credit card 520 1994
5477040 Structure for a method of facilitating charge transactions 259 1994
5745706 Computer system and related equipment for spending and investment account management 231 1994
5689650 Community reinvestment act network 343 1995
5787404 Credit-card based retirement fund system and method 219 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 302 1996
5955961 Programmable transaction card 453 1996
5953710 Children's credit or debit card system 698 1996
5857709 Anticounterfeit documentation with see-through and write-able hologram 164 1997
5984180 Method and system for gift credit card 241 1997
6070153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 188 1997
6078891 Method and system for collecting and processing marketing data 282 1997
6625582 Method and system for converting a designated portion of future social security and other retirement payments to current benefits 116 1999
6422462 Apparatus and methods for improved credit cards and credit card transactions 371 1999
6145741 Universal pre-paid gasoline and travel card 130 1999
6385591 Method and system for electronic organization of coupons 339 1999
6243688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 311 1999
6868426 Virtual document organizer system and method 130 2000
6609111 Method and apparatus for modeling and executing deferred award instrument plan 96 2000
2002/0143,703 Internet cash card 90 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 200 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 133 2001
2002/0120,627 Virtual document organizer system and method 104 2002
2002/0174,016 Multiple accounts and purposes card method and system 196 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 114 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 129 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 133 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 236 2004
 
MOORE NORTH AMERICA, INC. (1)
5760381 Prepaid card 247 1996
 
Flex Japan Inc. (1)
4789928 Auction information transmission processing 784 1987
 
ALEXSAM, INC. (2)
6000608 Multifunction card system 417 1997
6189787 Multifunctional card system 463 1999
 
DECISIONING.COM, INC. (2)
5870721 System and method for real time loan approval 775 1996
5940811 Closed loop financial transaction method and apparatus 627 1996
 
CLARK CONSULTING, LLC (1)
5806042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 163 1995
 
GILBARCO INC. (2)
6078888 Cryptography security for remote dispenser transactions 267 1997
6574603 In-vehicle ordering 205 1998
 
CHASE MANHATAN BANK USA, N.A. (4)
6615189 Debit purchasing of stored value card for use by and/or delivery to others 187 1998
6032136 Customer activated multi-value (CAM) card 449 1998
6615190 Sponsor funded stored value card 227 2000
6865547 Customer activated multi-value (CAM) card 167 2000
 
Financial Engineering Associates, Inc. (2)
5819237 System and method for determination of incremental value at risk for securities trading 267 1996
6122623 Watershed method for controlling cashflow mapping in value at risk determination 113 1998
 
CRONOS TECHNOLOGIES, LLC (1)
5664110 Remote ordering system 578 1994
 
CAPITAL ONE FINANCIAL CORPORATION (1)
5933817 Tiered interest rate revolving credit system and method 259 1996
 
CATALINA MARKETING CORPORATION (8)
5644723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 498 1994
5832457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 628 1995
5642485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 496 1995
5649114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 602 1995
5687322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 835 1995
5710886 Electric couponing method and apparatus 642 1995
5974399 Method and apparatus for generating purchase incentives based on price differentials 302 1997
6336099 Method and system for electronic distribution of product redemption coupons 327 1998
 
U.S. PHILIPS CORPORATION (1)
4465206 Device for the simultaneous mounting of components on a carrier 80 1983
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5612868 Method and apparatus for dispensing discount coupons 476 1995
 
Okemos Agency, Inc. (1)
5839113 Method and apparatus for rating geographical areas using meteorological conditions 132 1996
 
YOKOGAWA ELECTRIC CORPORATION (1)
5745049 Wireless equipment diagnosis system 210 1996
 
Meridian Enterprises, Inc. (1)
5025372 System and method for administration of incentive award program through use of credit 679 1989
 
BARTON PATENT 533 LLC (1)
6164533 Point of sale automatic savings program contribution system 208 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (1)
4746787 IC card with display and card recording and reading device 146 1985
 
SMART CARD, LLC (2)
5530232 Multi-application data card 525 1993
5578808 Data card that can be used for transactions involving separate card issuers 635 1995
 
Intelligent Ideation, Inc. (1)
6463039 Method and apparatus for full duplex sideband communication 129 1998
 
The United States of America as represented by the Secretary of the Navy (1)
6397202 System and method for monitoring risk in a system development program 120 1999
 
C-SAM S.A. (1)
5952641 Security device for controlling the access to a personal computer or to a computer terminal 271 1996
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6065675 Processing system and method for a heterogeneous electronic cash environment 327 1998
 
Midwest Payment Systems (1)
5649117 System and method for paying bills and other obligations including selective payor and payee controls 457 1994
 
Protech Video Security, Inc. (1)
6119932 Identification verification apparatus and method 134 1997
 
Tradevest, Inc. (1)
4750119 Purchasing system with rebate feature 361 1986
 
ALLSTATE INSURANCE COMPANY (1)
5809478 Method for accessing and evaluating information for processing an application for insurance 282 1995
 
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card 82 2000
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (1)
5777305 Package assembly and method for activating prepaid debit cards 307 1996
 
MASTERCARD INTERNATIONAL INCORPORATED (7)
4961142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 504 1988
5705798 System and method for processing a customized financial transaction card 277 1994
5692132 System and method for conducting cashless transactions on a computer network 580 1995
5699528 System and method for bill delivery and payment over a communications network 1129 1995
5704046 System and method for conducting cashless transactions 354 1996
6473500 System and method for using a prepaid card 484 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 149 2001
 
Prime Research Alliance E, Inc. (1)
6560578 Advertisement selection system supporting discretionary target market characteristics 237 2001
 
S/B Exchange Enterprises, Inc. (1)
2003/0004,828 Prepaid card authorization and security system 164 2002
 
CONTENTGUARD HOLDINGS, INC. (1)
5530235 Interactive contents revealing storage device 514 1995
 
COLLEGE SAVINGS BANK (1)
4642768 Methods and apparatus for funding future liability of uncertain cost 223 1984
 
Mitsubishi Electric Semiconductor Software Co., Ltd. (1)
5736728 Non contact IC card and a non contact IC card system 128 1995
 
GOOGLE TECHNOLOGY HOLDINGS LLC (2)
5777903 Solar cell powered smart card with integrated display and interface keypad 286 1996
6265977 Radio frequency identification tag apparatus and related method 388 2000
 
COMMUNITY LINK FOUNDATION, INC. (1)
5466919 Credit/charge card system enabling purchasers to contribute to selected charities 223 1994
 
Lobar Code Inc. (1)
5665953 Self-contained personal data collector for redeeming coupons 198 1996
 
Intellicard International, Inc. (1)
4614861 Unitary, self-contained card verification and validation system and method 686 1984
 
DETHLOFF, JUERGEN (1)
4968873 Smart card issuing and receiving apparatus 352 1989
 
UBS FINANCIAL SERVICES INC (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 168 2002
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 107 2001
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5806045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 568 1996
 
FIRST USA BANK, N.A. (1)
6386444 System and methods for card payment instrument with rebate applied to an insurance premium 228 1999
 
IDLOYALTY, LLC (1)
6070147 Customer identification and marketing analysis systems 587 1996
 
MOMENTEX, LLC (1)
6263316 Automated process for retailing to a vehicle occupant 155 1999
 
III HOLDINGS 1, LLC (3)
6581839 Transaction card 202 2000
2001/0054,003 System and method for using loyalty points 419 2001
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 205 2004
 
BACK PAGES INC. (1)
5513102 Data processing methods of implementing an award to an authorized user of a credit card 349 1994
 
BROADVISION, INC. (1)
5710887 Computer system and method for electronic commerce 1551 1995
 
Store Financial Services, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 161 2003
 
ROHM CO., LTD. (1)
6802008 IC card and IC chip module 89 1999
 
FACEBOOK, INC. (1)
6014638 System for customizing computer displays in accordance with user preferences 704 1996
 
TOADER, ADRIAN (1)
5749075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 263 1995
 
e-Vantage International, Inc. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market 232 2001
 
Citibank, N.A. (13)
5453601 Electronic-monetary system 766 1991
5455407 Electronic-monetary system 445 1995
5799087 Electronic-monetary system 259 1995
5710889 Interface device for electronically integrating global financial services 741 1995
5890140 System for communicating with an electronic delivery system that integrates global financial services 349 1995
6058378 Electronic delivery system and method for integrating global financial services 342 1995
6049782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 302 1996
5920629 Electronic-monetary system 340 1997
5953423 Electronic-monetary system 179 1997
5963648 Electronic-monetary system 241 1997
6047067 Electronic-monetary system 286 1997
6098053 System and method for performing an electronic financial transaction 509 1999
6601761 Method and system for co-branding an electronic payment platform such as an electronic wallet 177 1999
 
BLOCKBUSTER L.L.C. (1)
5459306 Method and system for delivering on demand, individually targeted promotions 481 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6105865 Financial transaction system with retirement saving benefit 458 1998
 
SWISS REINSURANCE COMPANY (1)
4975840 Method and apparatus for evaluating a potentially insurable risk 398 1988
 
DCCP, INC. (1)
5424524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 487 1993
 
RATEZE REMOTE MGMT. L.L.C. (2)
5765141 Computerized merchandising system 314 1995
5870718 Computer-printer terminal for producing composite greeting and gift certificate card 300 1996
 
SmartCard International Inc. (1)
4868376 Intelligent portable interactive personal data system 538 1987
 
NIEDZWIECKI, CARL J (1)
6036099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom 253 1997
 
Reclaim Technology and Services Limited (1)
6049773 Automated method for identification of reinsurance claims 135 1997
 
PRICELINE.COM LLC (2)
5794207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1809 1996
5897620 Method and apparatus for the sale of airline-specified flight tickets 526 1997
 
INTELLECT AUSTRALIA PTY LTD. (2)
6091817 Host and user transaction system 147 1997
6095412 Host and user transaction system 161 1997
 
CITICORP DEVELOPMENT CENTER, INC. (1)
6422459 Method and system for off-line loading of stored value cards using a batch-load terminal 108 1998
 
Martiz, Inc. (1)
5689100 Debit card system and method for implementing incentive award program 459 1996
 
H-Renee, Incorporated (1)
4992940 System and method for automated selection of equipment for purchase through input of user desired specifications 1313 1989
 
LUCENT TECHNOLOGIES INC. (5)
5544246 Smartcard adapted for a plurality of service providers and for remote installation of same 415 1993
5608785 Method and apparatus for telephone prize opportunities 157 1993
5649118 Smart card with multiple charge accounts and product item tables designating the account to debit 556 1994
5857079 Smart card for automatic financial records 358 1994
5729693 System and method to automatically provide an electronic consumer rebate 289 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)
4766539 Method of determining the premium for and writing a policy insuring against specified weather conditions 249 1987
 
USA TECHNOLOGIES, INC. (1)
5637845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 307 1995
 
WAY AHEAD IP LLC (1)
5905246 Method and apparatus for coupon management and redemption 430 1996
 
MOTOROLA, INC. (1)
6049463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same 150 1997
 
INTEL CORPORATION (1)
5604542 Using the vertical blanking interval for transporting electronic coupons 465 1995
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 117 2000
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (8)
4923288 Optical modulators based on polymers 112 1988
5247190 Electroluminescent devices 1381 1990
5401827 Semiconductive copolymers for use in luminescent devices 128 1991
5399502 Method of manufacturing of electrolumineschent devices 597 1993
5512654 Semiconductive copolymers for use in luminescent devices 112 1994
5672678 Semiconductive copolymers for use in luminescent devices 134 1995
5653914 Electroluminescent device comprising a chromophoric polymeric composition 154 1995
5807627 Electroluminescent devices 169 1997
 
MITSUBISHI DENKI KABUSHIKI KAISHA (3)
4928001 Secret information preserving system for a multiple issuer IC card 187 1988
5202286 Method of forming three-dimensional features on substrates with adjacent insulating films 78 1991
6045042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption 104 1992
 
PASTORIUS, BRUCE A. (1)
5095194 Holographic credit card with automatical authentication and verification 249 1989
 
UNION BEACH, L.P. (1)
5521363 System and method for tracking memory card transactions 183 1994
 
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method 185 2001
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (1)
5815657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 640 1996
 
BENHOV GMBH, LLC (3)
5991748 Methods and apparatus for regenerating a prepaid transaction account 322 1996
6038292 Methods and apparatus for language registration of prepaid, remote entry customer account 157 1997
5923734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 186 1997
 
Omron Tateisi Electronics Co. (1)
4594663 Credit transaction processing system 177 1983
 
DAI NIPPON PRINTING CO., LTD. (1)
6002383 Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back 120 1996
 
TWEETER INTELLECTUAL PROPERTY, LLC (1)
5642279 Technique for utilizing a computer system to provide price protection to retail customers 138 1994
 
Swychco Support Services Pty. Ltd. (2)
5970479 Methods and apparatus relating to the formulation and trading of risk management contracts 370 1993
6134536 Methods and apparatus relating to the formulation and trading of risk management contracts 236 1997
 
WALKER ASSET MANAGEMENT, LIMITED PARTNERSHIP (2)
6128599 Method and apparatus for processing customized group reward offers 463 1997
6128598 System and method for generating and executing insurance policies for foreign exchange losses 158 1999
 
Orbis Patents Ltd. (1)
6029890 User-Specified credit card system 249 1998
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5500514 Method and apparatus for generating gift certificates 198 1993
 
AFFINION NET PATENTS, INC. (1)
5774870 Fully integrated, on-line interactive frequency and award redemption program 660 1995
 
CHESS VENTURES LLC (2)
* 2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 123 2001
* 2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 123 2001
 
Vishay Dale Electronics, Inc. (1)
* 5970480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 164 1997
 
MICRO ENHANCEMENT INTERNATIONAL (1)
5857175 System and method for offering targeted discounts to customers 591 1995
 
ALCATEL-LUCENT USA INC. (1)
6014636 Point of sale method and system 337 1997
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4752676 Reliable secure, updatable "cash" card system 243 1985
 
WASHINGTON MUTUAL BANK, F.A. (1)
5734838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 461 1995
 
ENTRYPOINT, INC. (1)
5740549 Information and advertising distribution system and method 1716 1995
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2003/0023,549 Consolidated payment account system and method 131 2002
 
SONY CORPORATION (1)
5845260 System and method for parent-controlled charging for on-line services 277 1996
 
LDC Direct Ltd. (1)
6169975 Point-of-distribution pre-paid card vending system 178 1997
 
VISA INTERNATIONAL SERVICE ASSOCIATION (15)
4766293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 342 1986
4822985 Transaction approval system 128 1987
4906826 Usage promotion method for payment card transaction system 150 1988
4870259 Transaction approval system 125 1989
4908521 Transaction approval system 130 1989
4943707 Transaction approval system 168 1989
5175416 Funds transfer system 398 1991
5477038 Method and apparatus for distributing currency 490 1993
5465206 Electronic bill pay system 825 1993
5703344 Electronic funds confirmation at point of transaction 362 1995
RE36365 Method and apparatus for distributing currency 288 1996
5920847 Electronic bill pay system 744 1996
RE37122 Method and apparatus for distributing currency 228 1998
6298336 Card activation at point of distribution 243 1998
RE38255 Method and apparatus for distributing currency 150 2001
 
SAMSUNG ELECTRONICS CO., LTD. (4)
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
 
WAYPOINT, INC. (1)
5835061 Method and apparatus for geographic-based communications service 422 1995
 
Cardtronics, Inc. (1)
5287269 Apparatus and method for accessing events, areas and activities 422 1990
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
5727153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 355 1995
5806044 System and method for distributing coupons through a system of computer networks 391 1996
5884278 Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register 212 1997
 
NXP B.V. (1)
6014749 Data processing circuit with self-timed instruction execution and power regulation 86 1997
 
LYNXVALE LIMITED (1)
5328809 Patterning of semiconductive polymers 103 1991
 
Level Z, L.L.C. (1)
2002/0165,820 Prepaid electronic cash system with pin vending machines 91 2001
 
RENESAS ELECTRONICS CORPORATION (1)
5664157 Noncontact IC card interface unit and communication system using the interface unit 123 1995
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4831242 Control system for health club facilities and equipment 161 1985
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6076068 Coupon delivery system 344 1996
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
5218631 Telephonic-interface game control system 169 1990
5365575 Telephonic-interface lottery system 196 1991
5553120 Telephonic-interface game control system 148 1993
5349633 Telephonic-interface game control system 140 1994
5787156 Telephonic-interface lottery system 171 1994
5835576 Telephonic-interface lottery device 196 1997
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6148297 Health care information and data tracking system and method 166 1998
 
LHS TELEKOM GMBH& CO. KG (1)
2002/0091,572 Prepaid service interface system and method 98 2001
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5930217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 114 1998
 
ONTARIO SYSTEMS, LLC (1)
6041315 Automated payment system and method 228 1997
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (4)
5819234 Toll collection system 232 1996
6038552 Method and apparatus to process combined credit and debit card transactions 244 1997
6167385 Supply chain financing system and method 217 1998
2002/0095,365 Corporate products trading marketplace 135 2001
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (1)
6805287 System and method for converting a stored value card to a credit card 178 2002
 
TRANSILWRAP COMPANY, INC. (1)
4545838 Lamination product and method employing temporary transfer film 135 1983
 
M.A. Rivalto, Inc. (1)
5482139 Automated drive-up vending facility 270 1995
 
RICOH COMPANY, LTD. (1)
5920844 Information display method 109 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (1)
6026370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 462 1997
 
QUALTEQ, INC. (1)
4897533 Credit card and method of making the same 234 1987
 
QUADNOVATION, INC. (1)
6641049 Integrated circuit card with multiple integral electronic modules 117 2001
 
Pennsylvania Food Merchants Association (1)
5581064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 204 1994
 
THE OHIO STATE UNIVERSITY (1)
6004681 Light-emitting devices containing network electrode polymers in electron blocking layer 101 1997
 
Semiconductor Energy Laboratory Co., Ltd. (1)
4954985 Ferroelectric liquid crystal data storage card 137 1988
 
NCR CORPORATION (4)
4634845 Portable personal terminal for use in a system for handling transactions 302 1984
4689478 System for handling transactions including a portable personal terminal 293 1984
5770843 Access card for multiple accounts 364 1996
6029139 Method and apparatus for optimizing promotional sale of products based upon historical data 553 1998
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6006988 Non-cash media card and process of dispensing from automated teller 177 1997
 
Assured Equities, Inc. (1)
6064985 Automated portfolio management system with internet datafeed 287 1998
 
PRIVASYS, INC. (1)
2003/0061,168 Method for generating customer secure card numbers 39 2001
 
Radisson Hotels International, Inc. (1)
5483444 System for awarding credits to persons who book travel-related reservations 373 1995
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5890138 Computer auction system 800 1996
 
Privicom, Inc. (1)
6095416 Method and device for preventing unauthorized use of credit cards 264 1998
 
AMAZON.COM, INC. (1)
5715399 Secure method and system for communicating a list of credit card numbers over a non-secure network 640 1995
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6161096 Method and apparatus for modeling and executing deferred award instrument plan 175 1998
 
Morgan Stanley Dean Witter (1)
6092056 Data processing system and method for financial debt instruments 355 1999
 
YT ACQUISITION CORPORATION (1)
5805719 Tokenless identification of individuals 484 1997
 
BANK OF AMERICA CORPORATION (1)
6016482 Enhanced collateralized funding processor 341 1996
 
INTELLECTUAL VENTURES II LLC (1)
6182894 Systems and methods for authorizing a transaction card 325 1998
 
GE CAPITAL CORPORATION (1)
5991750 System and method for pre-authorization of individual account transactions 449 1997
 
Minerva, L.P. (1)
5926800 System and method for providing a line of credit secured by an assignment of a life insurance policy 297 1995
 
VESDIA CORPORATION (1)
6345261 Customer loyalty investment program 213 1999
 
ACTIVCARD IRELAND, LIMITED (5)
6373969 Corrective optical component 103 1999
6446210 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 138 1999
6434259 Method of providing secure user access 118 1999
6429927 Imaging device, especially for optical fingerprinting 112 1999
6498861 Biometric security encryption system 138 2000
 
PALM, INC. (1)
5276311 Method and device for simplifying the use of a plurality of credit cards, or the like 666 1992
 
SPENDINGMONEY, LLC (1)
5864830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 400 1997
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (2)
6202053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 291 1998
6745938 System and methods for card payment instrument with rebate applied to an insurance premium 107 2002
 
Steven Nichtberger (1)
4882675 Paperless system for distributing, redeeming and clearing merchandise coupons 559 1984
 
UPROMISE, INC. (1)
5471669 Coupon savings account system 274 1994
 
NETVISION, INC. (1)
6467684 Pre-paid card system for purchasing products or services 209 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5544086 Information consolidation within a transaction network 297 1994
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6105011 Security system and method for business transactions with customers 201 1998
 
PELIKON LIMITED (1)
6360954 Portable cards 130 2000
 
OVERTURE SERVICES, INC. (1)
6173267 Method for product promotion 300 1998
 
GIESECKE & DEVRIENT GMBH (1)
6343743 Method of checking authenticity of a data carrier 76 1998
 
THE WESTERN UNION COMPANY (2)
5326960 Currency transfer system and method 229 1992
5350906 Currency transfer system and method using fixed limit cards 521 1992
 
HARRISON COMPANY, LLC, THE (1)
6009415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 286 1991
 
HITACHI, LTD. (1)
6016954 Card holder-type balance reader 137 1997
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5339239 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 289 1990
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 137 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 129 1997
 
DEUTSCHE TELEKOM AG (1)
6693544 Electronic identification tag 105 2001
 
First Marketrust Intl. (1)
5537314 Referral recognition system for an incentive award program 793 1995
 
ASSA ABLOY AB (5)
5737421 System for controlling access to a function having clock synchronization 131 1996
5802176 System for controlling access to a function, using a plurality of dynamic encryption variables 212 1996
5887065 System and method for user authentication having clock synchronization 198 1997
5937068 System and method for user authentication employing dynamic encryption variables 183 1997
6308268 Portable electronic device for safe communication system, and method for initializing its parameters 119 2000
 
APPLE INC. (1)
6484148 Electronic advertising device and method of using the same 469 2000
 
Call Processing, Inc. (2)
5511114 Telephone pre-paid calling card system and method 339 1994
5721768 Pre-paid card system and method 330 1996
 
MONDEX INTERNATIONAL LIMITED (1)
5778067 Value transfer system 321 1996
 
KABUSHIKI KAISHA TOSHIBA (4)
5055662 Portable information record medium having liquid crystal and photoconductive layers 186 1989
5180901 IC card with individual authentication function 253 1991
5710458 Card like semiconductor device 172 1995
5815658 Portable terminal apparatus for IC card compatible with a plurality of applications 149 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 593 1993
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 480 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 359 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 450 1994
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6366220 RF tag based system and method for drive-through applications 121 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
6278981 Computer-implemented method and apparatus for portfolio compression 271 1998
* 2003/0154,125 Pesonalisation of promotional offers 91 2001
6641050 Secure credit card 200 2001
 
WYNN, SOL H. (1)
5859419 Programmable multiple company credit card system 473 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5742775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 285 1995
 
AT&T IPM CORP. (3)
5479494 Virtual calling card system 286 1992
5450477 Monitoring of charges debited to an account having an assigned limit 161 1993
5708422 Transaction authorization and alert system 533 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5677955 Electronic funds transfer instruments 1075 1995
 
Bostec Systems, Inc. (2)
4978401 Card assembly method 115 1989
5080748 Card assembly apparatus 177 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6019284 Flexible chip card with display 304 1998
6068183 Chip card system 215 1998
5931764 Wearable device with flexible display 210 1998
6402039 Flexible chip card with display 184 1999
6450407 Chip card rebate system 435 2000
 
CHECKFREE CORPORATION (1)
5383113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 666 1991
 
INVESTPIC, LLC (1)
6349291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 154 2000
 
International Card Technology (3)
5883377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 225 1995
5984191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 184 1997
6138917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 195 1998
 
FUJITSU LIMITED (4)
6003762 Transaction terminal for an electronic cashless system 269 1994
6129274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 437 1998
* 2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 96 2002
* 2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 89 2004
 
PREVISER CORPORATION (1)
6484144 Method and system for healthcare treatment planning and assessment 166 1999
 
BOWIE, STUART S. (1)
6195644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 191 1999
 
HOME ACCOUNT NETWORK, INC. (8)
4953085 System for the operation of a financial account 492 1987
5911135 System for managing financial accounts by a priority allocation of funds among accounts 327 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 263 1991
5884285 System for managing financial accounts by reallocating funds among accounts 297 1992
5852811 Method for managing financial accounts by a preferred allocation of funds among accounts 555 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 693 1994
5911136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 311 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 702 1997
 
Block Financial LLC (1)
6014645 Real-time financial card application system 500 1996
 
CASIO COMPUTER CO., LTD. (1)
4754418 Combined electronic calculator and credit card 136 1985
 
Coupco, Inc. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 349 1991
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 91 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5728998 Secure smart card reader with virtual image display and pull-down options 117 1996
5770849 Smart card device with pager and visual image display 163 1996
5734154 Smart card with Iintegrated reader and visual image display 250 1996
5789733 Smart card with contactless optical interface 325 1996
 
Phoenix Licensing, LLC (5)
5987434 Apparatus and method for transacting marketing and sales of financial products 507 1996
6076072 Method and apparatus for preparing client communications involving financial products and services 345 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 169 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
 
Paypal International Limited (1)
6295522 Stored-value card value acquisition method and apparatus 222 1997
 
AT&T Bell Laboratories (1)
5311594 Fraud protection for card transactions 345 1993
 
JPMORGAN CHASE BANK, N.A. (9)
5940844 Method and apparatus for displaying electronic image of a check 286 1995
6227447 Cardless payment system 463 1999
6505168 System and method for gathering and standardizing customer purchase information for target marketing 172 1999
6631849 Selectable multi-purpose card 492 2000
6341724 Cardless payment system 213 2001
2001/0034,682 International banking system and method 133 2001
2002/0077,978 Method and system for processing internet payments 392 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 285 2003
 
MICROSOFT TECHNOLOGY LICENSING, LLC (4)
5852812 Billing system for a network 594 1995
5721781 Authentication system and method for smart card transactions 680 1995
5883810 Electronic online commerce card with transactionproxy number for online transactions 747 1997
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions 649 1997
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6405182 System for dispensing prepaid debit cards through point-of-sale terminals 203 2000
 
The Chubb Corporation (1)
4831526 Computerized insurance premium quote request and policy issuance system 607 1986
 
Electronic Consumer Concepts, L.L.C. (1)
5845259 Electronic coupon dispensing system 443 1996
 
GENERAL ELECTRIC COMPANY (3)
5696907 System and method for performing risk and credit analysis of financial service applications 345 1995
6182048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 167 1998
6675127 Computerized systems and methods for managing project issues and risks 96 2001
 
VERIZON PATENT AND LICENSING INC. (2)
5621787 Prepaid cash card 315 1995
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 100 2001
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (5)
5483445 Automated billing consolidation system and method 434 1993
5684291 Refundable prepaid telephone card 154 1995
6115458 Method and apparatus for summaries of prepaid instrument transaction activity 268 1995
6345766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 117 1995
5988509 Refundable prepaid telephone card 162 1997
 
IBGC Corporation (2)
2004/0098,351 Interest bearing gift card and related methods and systems 129 2002
2004/0243,498 Interest bearing gift card mechanisms 97 2004
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5777306 Credit card system and method of using credit card with such credit card system 143 1996
 
TGIP, INC. (1)
5577109 Pre-paid card system and method 507 1995
 
FRANCE TELECOM (1)
5991413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 241 1997
 
C-SAM, INC. (2)
5590038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 875 1994
5884271 Device, system and methods of conducting paperless transactions 579 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 266 1998
 
AT&T CORP. (3)
5675607 Method and apparatus for facilitating the making of card calls 120 1995
5864609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 190 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 117 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)
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 30 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 30 2011
8650105 System and method for providing a savings opportunity in association with a financial account 0 2011
 
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 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 3 2011
 
III HOLDINGS 1, LLC (4)
* 7904386 System, method, and computer program product for saving and investing through use of transaction cards 17 2006
* 2007/0185,810 System, method, and computer program product for saving and investing through use of transaction cards 1 2006
8417635 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 6 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 5 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 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
8799151 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