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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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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

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First Claim

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Patent Owner(s)

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

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Sullivan, Kevin Wilmington, DE 51 591

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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4,908,521 Transaction approval system 118 1989
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MICROSOFT CORPORATION (4)
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TOTAL FINA ELF (4)
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AT&T CORP. (3)
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AT&T IPM CORP. (3)
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III HOLDINGS 1, LLC (3)
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Other [Check patent profile for assignment information] (41)
4,582,985 Data carrier 373 1982
4,700,055 Multiple credit card system 318 1985
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 329 1989
5,192,947 Credit card pager apparatus 338 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 410 1990
5,206,803 System for enhanced management of pension-backed credit 271 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 513 1991
5,297,026 System for promoting account activity 301 1992
5,359,183 Payment card with display 173 1992
5,326,959 Automated customer initiated entry remittance processing system 370 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 473 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 157 1993
5,585,787 Programmable credit card 407 1994
5,477,040 Structure for a method of facilitating charge transactions 240 1994
5,745,706 Computer system and related equipment for spending and investment account management 214 1994
5,689,650 Community reinvestment act network 313 1995
5,787,404 Credit-card based retirement fund system and method 204 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 263 1996
5,955,961 Programmable transaction card 352 1996
5,953,710 Children's credit or debit card system 586 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 154 1997
5,984,180 Method and system for gift credit card 202 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 172 1997
6,078,891 Method and system for collecting and processing marketing data 254 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 271 1999
6,145,741 Universal pre-paid gasoline and travel card 124 1999
6,385,591 Method and system for electronic organization of coupons 255 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 275 1999
6,868,426 Virtual document organizer system and method 120 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 89 2000
2002/0143,703 Internet cash card 83 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 177 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 116 2001
2002/0120,627 Virtual document organizer system and method 91 2002
2002/0174,016 Multiple accounts and purposes card method and system 170 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 92 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 98 2002
2003/0195,808 Managing retailer product disbursement 86 2003
2004/0024,672 Customer activated multi-value (CAM) card 101 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 93 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 185 2004

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (5)
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
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 1 2010
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
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
 
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
 
III HOLDINGS 1, LLC (2)
7,904,386 System, method, and computer program product for saving and investing through use of transaction cards 4 2006
8,417,635 System, method, and computer program product for saving and investing through use of transaction cards 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 21 2008
 
Coupa Incorporated (1)
8,756,118 Shopping at e-commerce sites within a business procurement application 0 2011
 
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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