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 51 617

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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4,870,259 Transaction approval system 117 1989
4,908,521 Transaction approval system 121 1989
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5,175,416 Funds transfer system 370 1991
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RE36365 Method and apparatus for distributing currency 268 1996
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6,032,136 Customer activated multi-value (CAM) card 410 1998
6,615,190 Sponsor funded stored value card 214 2000
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CHASE MANHATTAN BANK, THE (4)
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6,167,385 Supply chain financing system and method 194 1998
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5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 377 1994
 
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MICROSOFT CORPORATION (4)
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5,721,781 Authentication system and method for smart card transactions 575 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 655 1997
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NCR CORPORATION (4)
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PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA (4)
2003/0193,657 Range finder device and camera 1 2003
2003/0193,657 Range finder device and camera 1 2003
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AT&T CORP. (3)
5,675,607 Method and apparatus for facilitating the making of card calls 115 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 181 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 109 1998
 
AT&T IPM CORP. (3)
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GENERAL ELECTRIC COMPANY (3)
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6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 154 1998
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III HOLDINGS 1, LLC (3)
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2001/0054,003 System and method for using loyalty points 330 2001
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 139 2004
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
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2003/0154,125 Pesonalisation of promotional offers 87 2001
6,641,050 Secure credit card 171 2001
 
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5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 172 1997
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MITSUBISHI DENKI KABUSHIKI KAISHA (3)
4,928,001 Secret information preserving system for a multiple issuer IC card 173 1988
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6,045,042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption 101 1992
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
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6,189,787 Multifunctional card system 425 1999
 
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5,940,811 Closed loop financial transaction method and apparatus 516 1996
 
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FIRST USA BANK, N.A. (2)
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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 429 1994
 
Minerva, L.P. (1)
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Mitsubishi Electric Semiconductor Software Co., Ltd. (1)
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MITSUBISHI UFJ NICOS CO., LTD. (1)
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MOMENTEX, LLC (1)
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MONDEX INTERNATIONAL LIMITED (1)
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NETVISION, INC. (1)
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NXP B.V. (1)
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Okemos Agency, Inc. (1)
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Omron Tateisi Electronics Co. (1)
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ONTARIO SYSTEMS, LLC (1)
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ORBIS PATENTS LTD. (1)
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PAYPAL INTERNATIONAL LIMITED (1)
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PELIKON LIMITED (1)
6,360,954 Portable cards 122 2000
 
Pennsylvania Food Merchants Association (1)
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PLURIS SAVINGS NETWORKS, LLC (1)
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SmartCard International Inc. (1)
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YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 398 1997
 
Other [Check patent profile for assignment information] (41)
4,582,985 Data carrier 378 1982
4,700,055 Multiple credit card system 328 1985
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 339 1989
5,192,947 Credit card pager apparatus 342 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 422 1990
5,206,803 System for enhanced management of pension-backed credit 274 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 524 1991
5,297,026 System for promoting account activity 307 1992
5,359,183 Payment card with display 175 1992
5,326,959 Automated customer initiated entry remittance processing system 374 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 484 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 161 1993
5,585,787 Programmable credit card 417 1994
5,477,040 Structure for a method of facilitating charge transactions 244 1994
5,745,706 Computer system and related equipment for spending and investment account management 217 1994
5,689,650 Community reinvestment act network 317 1995
5,787,404 Credit-card based retirement fund system and method 208 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 272 1996
5,955,961 Programmable transaction card 364 1996
5,953,710 Children's credit or debit card system 599 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 156 1997
5,984,180 Method and system for gift credit card 209 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 176 1997
6,078,891 Method and system for collecting and processing marketing data 258 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 278 1999
6,145,741 Universal pre-paid gasoline and travel card 126 1999
6,385,591 Method and system for electronic organization of coupons 266 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 285 1999
6,868,426 Virtual document organizer system and method 123 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 92 2000
2002/0143,703 Internet cash card 85 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 184 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 119 2001
2002/0120,627 Virtual document organizer system and method 95 2002
2002/0174,016 Multiple accounts and purposes card method and system 173 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 95 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 102 2002
2003/0195,808 Managing retailer product disbursement 88 2003
2004/0024,672 Customer activated multi-value (CAM) card 103 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 96 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 193 2004

Patent Citation Ranking

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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 26 2008
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. (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 2 2009
8,799,151 System and method for flexible payment terms 0 2014
 
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 7 2006
8,417,635 System, method, and computer program product for saving and investing through use of transaction cards 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. (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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