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, DE185

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Sullivan, Kevin Wilmington, DE 54 649

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (41)
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5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 372 1997
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 86 2002
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 489 1984
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 242 1994
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 200 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 273 1994
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 192 1998
 
PELIKON LIMITED (1)
6,360,954 Portable cards 124 2000
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 277 1998
 
GIESECKE & DEVRIENT GMBH (1)
6,343,743 Method of checking authenticity of a data carrier 75 1998
 
THE WESTERN UNION COMPANY (2)
5,326,960 Currency transfer system and method 219 1992
5,350,906 Currency transfer system and method using fixed limit cards 481 1992
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 248 1991
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 134 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 275 1990
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 131 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 126 1997
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 102 2001
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 742 1995
 
ASSA ABLOY AB (5)
5,737,421 System for controlling access to a function having clock synchronization 126 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 204 1996
5,887,065 System and method for user authentication having clock synchronization 183 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 171 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 116 2000
 
GOOGLE TECHNOLOGY HOLDINGS LLC (2)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 270 1996
6,265,977 Radio frequency identification tag apparatus and related method 360 2000
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 361 2000
 
Call Processing, Inc. (2)
5,511,114 Telephone pre-paid calling card system and method 323 1994
5,721,768 Pre-paid card system and method 319 1996
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 291 1996
 
KABUSHIKI KAISHA TOSHIBA (4)
5,055,662 Portable information record medium having liquid crystal and photoconductive layers 176 1989
5,180,901 IC card with individual authentication function 243 1991
5,710,458 Card like semiconductor device 166 1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications 144 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 550 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 439 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 338 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 389 1994
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 111 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
6,278,981 Computer-implemented method and apparatus for portfolio compression 259 1998
* 2003/0154,125 Pesonalisation of promotional offers 89 2001
6,641,050 Secure credit card 176 2001
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 427 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 279 1995
 
AT&T IPM CORP. (3)
5,479,494 Virtual calling card system 271 1992
5,450,477 Monitoring of charges debited to an account having an assigned limit 157 1993
5,708,422 Transaction authorization and alert system 466 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1001 1995
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 113 1989
5,080,748 Card assembly apparatus 171 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 283 1998
6,068,183 Chip card system 198 1998
5,931,764 Wearable device with flexible display 188 1998
6,402,039 Flexible chip card with display 175 1999
6,450,407 Chip card rebate system 370 2000
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 629 1991
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 151 2000
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 212 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 176 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 182 1998
 
FUJITSU LIMITED (4)
6,003,762 Transaction terminal for an electronic cashless system 255 1994
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 403 1998
* 2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 83 2002
* 2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 87 2004
 
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 178 1999
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 479 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 301 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 251 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 288 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 529 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 607 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 300 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 626 1997
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 437 1996
 
CASIO COMPUTER CO., LTD. (1)
4,754,418 Combined electronic calculator and credit card 133 1985
 
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 330 1991
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 90 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 115 1996
5,770,849 Smart card device with pager and visual image display 155 1996
5,734,154 Smart card with Iintegrated reader and visual image display 199 1996
5,789,733 Smart card with contactless optical interface 291 1996
 
PHOENIX LICENSING, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 466 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 327 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 154 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 130 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 124 2003
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 110 1988
 
PAYPAL INTERNATIONAL LIMITED (1)
6,295,522 Stored-value card value acquisition method and apparatus 208 1997
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 326 1993
 
JPMORGAN CHASE BANK, N.A. (9)
5,940,844 Method and apparatus for displaying electronic image of a check 257 1995
6,227,447 Cardless payment system 412 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 139 1999
6,631,849 Selectable multi-purpose card 417 2000
6,341,724 Cardless payment system 187 2001
2001/0034,682 International banking system and method 131 2001
2002/0077,978 Method and system for processing internet payments 337 2001
* 2003/0033,246 Sponsor funded stored value card 100 2002
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 246 2003
 
MICROSOFT TECHNOLOGY LICENSING, LLC (4)
5,852,812 Billing system for a network 555 1995
5,721,781 Authentication system and method for smart card transactions 610 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 673 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 579 1997
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 186 2000
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 584 1986
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 414 1996
 
GENERAL ELECTRIC COMPANY (3)
5,696,907 System and method for performing risk and credit analysis of financial service applications 295 1995
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 156 1998
6,675,127 Computerized systems and methods for managing project issues and risks 92 2001
 
VERIZON PATENT AND LICENSING INC. (2)
5,621,787 Prepaid cash card 296 1995
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 92 2001
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (8)
5,483,445 Automated billing consolidation system and method 422 1993
5,684,291 Refundable prepaid telephone card 151 1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 256 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 108 1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 295 1996
5,988,509 Refundable prepaid telephone card 161 1997
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 152 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 176 1997
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 124 2002
2004/0243,498 Interest bearing gift card mechanisms 94 2004
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 138 1996
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 483 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 220 1997
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 723 1994
5,884,271 Device, system and methods of conducting paperless transactions 506 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 247 1998
 
AT&T CORP. (3)
5,675,607 Method and apparatus for facilitating the making of card calls 117 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 183 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 112 1998
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
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 (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
 
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 1 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 1 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 (2)
* 7,904,386 System, method, and computer program product for saving and investing through use of transaction cards 9 2006
8,417,635 System, method, and computer program product for saving and investing through use of transaction cards 0 2011
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (4)
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 3 2009
8,799,151 System and method for flexible payment terms 0 2014
* Cited By Examiner

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