US Patent No: 7,239,226

Number of patents in Portfolio can not be more than 2000

System and method for payment using radio frequency identification in contact and contactless transactions

2 Status Updates

Stats

ALSO PUBLISHED AS: 20040049451
ATTORNEY / AGENT: (SPONSORED)
 

Importance

Loading Importance Indicators... loading....

Abstract

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.

Loading the Abstract Image... loading....

First Claim

Related Publications

Loading Related Publications... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
XATRA FUND MX, LLCNEW YORK, NY43

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Berardi, Michael J Lauderhill, FL 13 306
Bliman, Michal Matawan, NJ 15 322
Bonalle, David S New Rochelle, NY 185 2554
Elwood, Jennifer Anne New York, NY 10 295
Hood, Matthew C Wayne, PA 10 295
Isenberg, Susan E New York, NY 14 430
Mayers, Alexandra New York, NY 9 276
Saunders, Peter D Salt Lake City, UT 162 2286
Scheding, Kathryn D New York, NY 9 276
Shah, Sejal Ajit New York, NY 9 276
Williamson, John R Jersey City, NJ 22 398

Cited Art

Patent Info (Count) # Cites Year
 
TEXAS INSTRUMENTS INCORPORATED (115)
4,639,765 Synchronization system for overlay of an internal video signal upon an external video signal 95 1985
5,197,140 Sliced addressing multi-processor and method of operation 171 1989
5,212,777 Multi-processor reconfigurable in single instruction multiple data (SIMD) and multiple instruction multiple data (MIMD) modes and method of operation 280 1989
5,239,654 Dual mode SIMD/MIMD processor providing reuse of MIMD instruction memories as data memories when operating in SIMD mode 258 1989
5,339,447 Ones counting circuit, utilizing a matrix of interconnected half-adders, for counting the number of ones in a binary string of image data 80 1989
5,761,493 Apparatus and method for adding an associative query capability to a programming language 115 1990
5,489,411 Titanium metal foils and method of making 84 1991
5,274,392 Tilted antenna 68 1992
5,247,304 Interrogating station for identification purposes, with separate transmitting and receiving antennae 67 1992
5,305,002 Hinged read-out antenna system 69 1992
5,410,649 Imaging computer system and network 89 1992
5,349,357 Circuit arrangement for obtaining a constant field strength of an HF signal radiated by a transmitting device with exchangeable antenna 67 1992
6,192,255 Communication system and methods for enhanced information transfer 158 1992
5,373,303 Built-in chip transponder with antenna coil 69 1992
5,408,243 Method for producing a flat flexible antenna 81 1993
5,701,127 Automatic vehicle identification system capable of vehicle lane discrimination 124 1993
6,038,584 Synchronized MIMD multi-processing system and method of operation 72 1993
5,371,896 Multi-processor having control over synchronization of processors in mind mode and method of operation 134 1993
5,351,052 Transponder systems for automatic identification purposes 195 1993
5,428,363 Antenna system for use in an automatic vehicular identification system 72 1993
5,858,006 Hypodermic needle with a protrusion 79 1993
5,329,617 Graphics processor nonconfined address calculation system 68 1993
5,491,483 Single loop transponder system and method 149 1994
5,488,376 Transponder interface circuit 82 1994
5,513,525 Arrangement for monitoring the operating state of vehicle pneumatic tires mounted on wheel rims 77 1994
5,673,106 Printing system with self-monitoring and adjustment 72 1994
5,471,592 Multi-processor with crossbar link of processors and memories and method of operation 167 1994
5,522,083 Reconfigurable multi-processor operating in SIMD mode with one processor fetching instructions for use by remaining processors 178 1994
6,070,003 System and method of memory access in apparatus having plural processors and plural memories 141 1994
5,500,651 System and method for reading multiple RF-ID transponders 121 1994
5,621,396 Method and apparatus with adaptive transponder plucking 70 1994
5,625,370 Identification system antenna with impedance transformer 96 1994
5,600,175 Apparatus and method for flat circuit assembly 92 1994
5,602,538 Apparatus and method for identifying multiple transponders 155 1994
5,629,981 Information management and security system 635 1994
5,569,187 Method and apparatus for wireless chemical supplying 123 1994
5,550,536 Circuit frequency following technique transponder resonant 109 1994
5,490,079 System for automated toll collection assisted by GPS technology 122 1994
5,592,150 Air coil and method of making the same 67 1994
5,563,582 Integrated air coil and capacitor and method of making the same 68 1994
5,497,121 Automatically correcting data detection circuit and method for FSK modulated signals 66 1994
5,594,448 Highly accurate RF-ID positioning system 118 1994
5,491,484 Electronic transponder tuning circuitry 98 1994
5,660,319 Ultrasonic bonding process 71 1995
5,625,366 Flat flexible antenna 79 1995
5,729,236 Identification system reader with multiplexed antennas 88 1995
5,607,522 Method of making electrical contact material 65 1995
5,880,675 Reusable package for identification devices 86 1995
5,675,342 Automatic vehicle identification system capable of vehicle lane discrimination 89 1995
5,525,994 Transponder interface circuit 89 1995
5,592,405 Multiple operations employing divided arithmetic logic unit and multiple flags register 92 1995
5,606,520 Address generator with controllable modulo power of two addressing capability 85 1995
5,613,146 Reconfigurable SIMD/MIMD processor using switch matrix to allow access to a parameter memory by any of the plurality of processors 106 1995
5,621,412 Multi-stage transponder wake-up, method and structure 346 1995
5,686,920 Transponder maintenance mode method 110 1995
5,691,731 Closed slot antenna having outer and inner magnetic loops 95 1995
5,696,913 Unique processor identifier in a multi-processing system having plural memories with a unified address space corresponding to each processor 98 1995
5,758,195 Register to memory data transfers with field extraction and zero/sign extension based upon size and mode data corresponding to employed address register 74 1995
5,768,609 Reduced area of crossbar and method of operation 116 1995
5,809,288 Synchronized MIMD multi-processing system and method inhibiting instruction fetch on memory access stall 68 1995
5,602,919 Speedup for monetary transactions using a transponder in conjunction with a smartcard 121 1995
6,317,721 Transaction accounting of toll transactions in transponder systems 96 1995
5,792,337 Method and apparatus for detection of corrosion 80 1995
5,646,607 Transponder/interrogator protocol in a multi-interrogator field 85 1995
5,798,709 Wireless transmitter carrier phase synchronization 67 1996
5,557,279 Unitarily-tuned transponder/shield assembly 90 1996
5,793,324 Transponder signal collision avoidance system 84 1996
5,638,080 Manufacture of a flexible antenna, with or without an inner permeable magnetic layer 73 1996
5,581,630 Personal identification 200 1996
5,748,137 Wireless flywheel synchronization method 68 1996
5,619,207 Highly accurate RE-ID positioning system 90 1996
5,608,406 Device for controlling discharge of a charge capacitor in a transponder 69 1996
5,621,411 Positioning with RF-ID transponders 106 1996
5,731,957 Transponder including a fluid cushioning medium and a method for its production 76 1996
5,729,053 Apparatus and method for flat circuit assembly 85 1996
5,867,100 Air Coil a security badge and a transponder 67 1996
5,785,680 Injector and object to be injected by the injector 66 1996
5,809,142 Method and system for calculating a user account balance in a recognition system 83 1996
6,323,566 Transponder for remote keyless entry systems 143 1996
5,797,060 Electrophotographic printing subsystem with self-monitoring and adjustment 71 1996
5,825,302 System and method for transmitting data using reflected electromagnetic radiation 79 1996
5,794,095 Intelligent printing system 63 1996
5,864,323 Ring antennas for resonant circuits 107 1996
5,842,088 Method of calibrating a spatial light modulator printing system 244 1997
5,870,031 Full-wave rectifier and method of operation for a recognition system 84 1997
6,167,236 Damping modulation circuit for a full-duplex transponder 70 1997
5,841,364 Method and apparatus for transfering information from a transponder 68 1997
5,955,969 Method to prevent rouge transponder responses in automatic vehicle identification systems 81 1997
5,912,678 Process flow design at the module effects level through the use of acceptability regions 104 1997
5,826,077 Apparatus and method for adding an associative query capability to a programming language 142 1997
6,101,174 Low power, short range point-to-multipoint communications systems 121 1997
5,905,798 TIRIS based kernal for protection of "copyrighted" program material 141 1997
5,970,148 Low cost encryption transponder 71 1997
5,732,579 Key having an air coil antenna and a method of construction 84 1997
5,929,801 Method for repeating interrogations until failing to receive unintelligible responses to identify plurality of transponders by an interrogator 114 1997
5,870,915 Key lock having inductive key detection and method of construction 69 1997
5,881,272 Synchronized MIMD multi-processing system and method inhibiting instruction fetch at other processors on write to program counter of one processor 64 1997
5,933,624 Synchronized MIMD multi-processing system and method inhibiting instruction fetch at other processors while one processor services an interrupt 71 1997
6,002,438 Method and apparatus for storing decoded video information 65 1997
6,205,151 ATM cell scheduler which uses a heap memory and associates timestamps with each channel 82 1997
6,115,360 Fair scheduling of ATM cell transmissions during overscheduled conditions 81 1997
6,198,875 Tiris based bios for protection of "copyrighted" program material 103 1997
5,953,512 Microprocessor circuits, systems, and methods implementing a loop and/or stride predicting load target buffer 78 1997
6,216,219 Microprocessor circuits, systems, and methods implementing a load target buffer with entries relating to prefetch desirability 99 1997
6,230,270 Integrated circuit identification system 70 1998
6,133,834 Method of trimming film type antennas 76 1998
6,064,320 Automatic vehicle identification system capable of vehicle lane discrimination 104 1998
6,232,917 Navigational system 112 1998
6,266,754 Secure computing device including operating system stored in non-relocatable page of memory 69 1999
6,239,675 Tuning circuit having switchable capacitor controlled by a selection circuit 66 1999
6,116,423 Multi-functional shipping system for integrated circuit devices 71 1999
6,215,437 Procedure for reading the data stored in a transponder and a transponder system for the execution of the procedure 73 1999
6,260,088 Single integrated circuit embodying a risc processor and a digital signal processor 91 2000
6,377,034 Method and circuits for inductor current measurement in MOS switching regulators 76 2000
6,388,533 Programmable ring oscillator 70 2000
 
MASTERCARD INTERNATIONAL INCORPORATED (17)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 425 1988
5,023,782 Travelers cheque transaction terminal 205 1990
5,557,516 System and method for conducting cashless transactions 235 1994
5,878,215 System and method for processing multiple electronic transaction requests 126 1994
5,705,798 System and method for processing a customized financial transaction card 218 1994
5,692,132 System and method for conducting cashless transactions on a computer network 436 1995
5,699,528 System and method for bill delivery and payment over a communications network 815 1995
5,704,046 System and method for conducting cashless transactions 251 1996
6,315,193 Financial transaction card with installment loan feature 113 1998
6,473,500 System and method for using a prepaid card 370 1998
6,546,373 System and method for recovering refundable taxes 98 1999
6,681,328 System and method for global internet digital identification 78 2000
6,578,768 Method and device for selecting a reconfigurable communications protocol between and IC card and a terminal 83 2000
2003/0120,554 System and method for conducting secure payment transactions 65 2002
2003/0140,228 Method and device for control by consumers over personal data 66 2002
2003/0132,284 System and method for integrated circuit card data storage 60 2002
2003/0225,623 Method and system for conducting transactions using a payment card with account information encoded in bar code 76 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (16)
5,761,306 Key replacement in a public key cryptosystem 184 1996
RE36365 Method and apparatus for distributing currency 227 1996
6,003,014 Method and apparatus for acquiring access using a smart card 134 1997
6,282,522 Internet payment system using smart card 320 1997
6,240,187 Key replacement in a public key cryptosystem 95 1998
6,179,205 System and method for locking and unlocking and application in a smart card 144 1998
6,105,008 Internet loading system using smart card 221 1998
6,560,581 System and method for secure electronic commerce transaction 215 1998
6,018,717 Method and apparatus for acquiring access using a fast smart card transaction 147 1998
6,549,912 Loyalty file structure for smart card 149 1998
6,367,011 Personalization of smart cards 116 1998
6,273,335 System and method for locking and unlocking an application in a smart card 88 2000
2003/0200,184 Mobile account authentication service 109 2003
2003/0195,843 Conducting commerce between individuals with integrated shipping 79 2003
2004/0015,451 Method for conducting financial transactions utilizing infrared data communications 62 2003
2004/0139,021 Method and system for facilitating data access and management on a secure token 92 2003
 
TEXAS INSTRUMENTS DEUTSCHLAND GMBH (14)
5,053,774 Transponder arrangement 329 1991
5,491,715 Automatic antenna tuning method and circuit 204 1993
5,541,604 Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirement 207 1993
5,552,789 Integrated vehicle communications system 222 1994
5,543,798 Method of providing a synchronized data stream suitable for use in a combined FDX and HDX RF-ID system 84 1994
5,597,534 Apparatus for wireless chemical sensing 88 1994
5,489,908 Apparatus and method for identifying multiple transponders 156 1994
5,525,992 Method and system for conserving power in a recognition system 147 1994
5,493,312 Reduced current antenna circuit 67 1995
5,548,291 Read/write transponder arrangement and method of communication 107 1995
5,550,548 Interrogator for detecting adjacent transponders 92 1995
5,561,430 Inductor/antenna for a recognition system 84 1995
5,948,116 Bit error correction algorithm 69 1996
6,118,189 Identification system reader with multiplexed antennas 63 1997
 
GILBARCO INC. (10)
6,078,888 Cryptography security for remote dispenser transactions 191 1997
6,185,307 Cryptography security for remote dispenser transactions 97 1998
6,098,879 Fuel dispensing system providing customer preferences 137 1998
6,073,840 Fuel dispensing and retail system providing for transponder prepayment 231 1998
6,116,505 Fuel transaction system for enabling the purchase of fuel and non-fuel items on a single authorization 160 1998
6,535,726 Cellular telephone-based transaction processing 111 2000
6,422,464 Fuel dispensing system providing customer preferences 149 2000
6,326,934 ADA convertible input display 69 2000
6,685,089 Remote banking during fueling 40 2001
2002/0113,082 Antenna placement in a fueling and retail system 78 2001
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (8)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 104 1999
D442629 Card with an ornamental rectangle 93 1999
D447515 Card with an ornamental rectangle 106 2000
6,581,839 Transaction card 164 2000
6,732,936 Transparent/translucent financial transaction card 67 2000
6,705,530 Transparent/translucent financial transaction card 103 2003
2003/0233,334 Methods and apparatus for facilitating a transaction 70 2003
2005/0033,686 SYSTEM AND METHOD FOR SECURING SENSITIVE INFORMATION DURING COMPLETION OF A TRANSACTION 48 2004
 
HEWLETT-PACKARD COMPANY (8)
5,963,924 System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce 229 1996
5,987,140 System, method and article of manufacture for secure network electronic payment and credit collection 220 1996
5,983,208 System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 206 1996
6,002,767 System, method and article of manufacture for a modular gateway server architecture 200 1996
6,072,870 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 294 1996
5,931,917 System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser 271 1996
5,978,840 System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture 259 1996
5,996,076 System, method and article of manufacture for secure digital certification of electronic commerce 258 1997
 
MOTOROLA MOBILITY LLC (7)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 232 1996
5,834,756 Magnetically communicative card 169 1996
5,943,624 Contactless smartcard for use in cellular telephone 126 1996
6,331,972 Personal data storage and transaction device system and method 134 1997
6,206,293 Magnetically communicative card 154 1997
6,107,920 Radio frequency identification tag having an article integrated antenna 322 1998
6,466,804 Method and apparatus for remote multiple access to subscriber identity module 97 2000
 
CITICORP DEVELOPMENT CENTER, INC. (6)
6,012,049 System for performing financial transactions using a smartcard 137 1998
6,510,983 System and method for transferring value to a magnetic stripe on a transaction card 115 1998
6,442,532 Wireless transaction and information system 173 1998
2002/0062,284 METHOD AND SYSTEM OF CONTACTLESS INTERFACING FOR SMART CARD BANKING 110 1999
6,289,324 System for performing financial transactions using a smart card 122 2000
6,687,714 Method and system for managing transaction card data 69 2000
 
LUCENT TECHNOLOGIES INC. (5)
5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 352 1993
5,608,778 Cellular telephone as an authenticated transaction controller 155 1994
5,898,783 System and method for employing a telecommunications network to remotely disable a SIM or smartcard 117 1996
6,130,623 Encryption for modulated backscatter systems 157 1996
6,006,216 Data architecture for fetch-intensive database applications 114 1997
 
FUJITSU LIMITED (4)
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 308 1998
6,513,015 System and method for customer recognition using wireless identification and visual data transmission 132 1998
6,179,206 Electronic shopping system having self-scanning price check and purchasing terminal 172 1998
6,608,995 Detection circuit for proximity IC card device 67 2000
 
GLOBALPLATFORM, INC. (4)
6,005,942 System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card 238 1998
6,233,683 System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card 156 1998
6,402,028 Integrated production of smart cards 135 1999
6,481,632 Delegated management of smart card applications 118 1999
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (4)
6,177,860 Method and economical direct connected apparatus for deploying and tracking computers 155 1998
6,481,621 System method and article of manufacture for accessing and processing smart card information 85 1999
2002/0095,587 Smart card with integrated biometric sensor 134 2001
6,760,581 System and method for improved mobile phone functionality 72 2001
 
CUBIC CORPORATION (3)
6,259,769 Portable smart card communication device 95 1999
6,577,229 Multiple protocol smart card communication device 193 1999
6,480,101 Contactless proximity automated data collection system and method 96 2000
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (3)
6,686,847 Indicator with daylight visibility using a single light emitting diode 53 2000
6,588,660 Passive contactless smartcard security system 110 2000
2003/0046,228 User-wearable functional jewelry with biometrics and smartcard to remotely sign and/or authenticate to e-services 106 2001
 
INTERMEC IP CORP. (3)
6,286,763 Method and apparatus to automatically search data carriers, such as RFID tags and machine-readable symbols 107 1999
6,318,636 Method and apparatus to read different types of data carriers, such RFID tags and machine-readable symbols, and a user interface for the same 190 1999
6,529,880 Automatic payment system for a plurality of remote merchants 159 1999
 
MONDEX INTERNATIONAL LIMITED (3)
6,237,848 Reading data from a smart card 81 1994
5,778,067 Value transfer system 235 1996
6,742,120 System and method for controlling access to computer code in an IC card 70 1998
 
NCR CORPORATION (3)
5,594,233 Multiple standard smart card reader 151 1995
2002/0079,367 Method and apparatus for operating a self-service checkout terminal to access a customer account 74 2000
2002/0028,704 Information gathering and personalization techniques 77 2001
 
ROUND ROCK RESEARCH, LLC (3)
5,572,226 Spherical antenna pattern(s) from antenna(s) arranged in a two-dimensional plane for use in RFID tags and labels 174 1995
6,112,152 RFID system in communication with vehicle on-board computer 186 1999
6,693,513 Wireless identification device, RFID device with push-on/push off switch, and method of manufacturing wireless identification device 99 2002
 
THE WESTERN UNION COMPANY (3)
2003/0187,786 Merchant transponder systems using electronic check processing 66 2002
2003/0187,790 Electronic check processing systems 103 2002
2003/0187,796 Systems for processing transponder-based transactions 89 2002
 
U.S. PHILIPS CORPORATION (3)
5,797,085 Wireless communication system for reliable communication between a group of apparatuses 136 1996
5,991,608 Portable communication device with optimized transmission loss 68 1997
2001/0039,617 SYSTEM FOR THE TRANSMISSION OF DATA BETWEEN AT LEAST ONE WRITE/READ STATION AND A PLURALITY OF DATA CARRIERS 65 1997
 
AT&T CORP. (2)
5,845,267 System and method for billing for transactions conducted over the internet from within an intranet 274 1996
6,024,286 Smart card providing a plurality of independently accessible accounts 146 1997
 
BIOMETRIC SECURITY CARD, INC. (2)
2002/0138,438 Biometric identification system using biometric images and copy protect code stored on a magnetic stripe and associated methods 70 2002
2002/0196,963 Biometric identification system using a magnetic stripe and associated methods 89 2002
 
CHESS VENTURES LLC (2)
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 6 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 6 2001
 
CITIBANK, N.A. (2)
6,088,686 System and method to performing on-line credit reviews and approvals 418 1996
6,665,405 Cyclotomic polynomial construction of discrete logarithm cryptosystems over finite fields 68 2000
 
CITICORP (2)
5,485,510 Secure credit/debit card authorization 331 1994
6,052,675 Method and apparatus for preauthorizing credit card type transactions 165 1998
 
EASTMAN KODAK COMPANY (2)
2003/0069,828 System for and managing assets using priority tokens 84 2001
2003/0227,550 System and method for providing a customized imaging product or service 67 2002
 
GEMALTO SA (2)
5,625,695 Process for generating DSA signatures with low-cost portable apparatuses 89 1994
6,226,382 Method for implementing a private-key communication protocol between two processing devices 62 1997
 
GENERAL MOTORS CORPORATION (2)
2003/0014,307 Method and system for mobile commerce advertising 71 2001
2003/0018,532 Method and device for conducting mobile commerce 66 2001
 
MOTOROLA, INC. (2)
5,221,838 Electronic wallet 459 1992
2003/0112,972 Data carrier for the secure transmission of information and method thereof 70 2001
 
NOKIA CORPORATION (2)
5,887,266 Method for using applications in a mobile station, a mobile station and a system for effecting payments 130 1996
2002/0194,303 Portable shopping assistant 64 2001
 
PRIVASYS, INC. (2)
2003/0061,168 Method for generating customer secure card numbers 4 2001
2003/0061,168 Method for generating customer secure card numbers 4 2001
 
SANKYO SEIKI MFG. CO., LTD. (2)
6,674,786 Data demodulation 65 2000
6,679,427 Magnetic card reader 62 2000
 
SYMBOL TECHNOLOGIES, INC. (2)
5,838,720 Transceiver control with sleep mode operation 89 1996
6,264,106 Combination bar code scanner/RFID circuit 145 1999
 
TC LICENSE LTD. (2)
4,739,328 System for identifying particular objects 219 1986
2002/0178,063 Community concept for payment using RF ID transponders 129 2001
 
TRW INC. (2)
5,838,257 Keyless vehicle entry system employing portable transceiver having low power consumption 52 1996
2002/0109,580 Wireless universal personal access system 86 2001
 
WALKER DIGITAL, LLC (2)
6,163,771 Method and device for generating a single-use financial account number 191 1997
2003/0177,347 Methods and apparatus for awarding prizes based on authentication of computer generated outcomes using coupons 96 2002
 
ACTIVCARD IRELAND LIMITED (1)
5,987,155 Biometric input device with peripheral port 187 1997
 
AMTECH SYSTEMS, LLC (1)
RE37822 Automated vehicle parking system for a plurality of remote parking facilities 64 2000
 
ANDREWS, GEORGE F. (1)
5,099,226 Intelligent security system 137 1991
 
ANGEWANDTE DIGITAL ELEKTRONIK GMBH (1)
6,068,193 Process for exchanging energy and data between a read/write terminal and a chip card with contactless connections and/or contact connections as well as a device for this purpose 56 1997
 
ASK S.A. (1)
6,390,375 Contactless or hybrid contact-contactless smart card designed to limit the risks of fraud 94 2000
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
6,188,994 Internet billing method 154 1998
 
B.I. INCORPORATED (1)
4,918,432 House arrest monitoring system 154 1989
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
2003/0187,787 System and process for performing purchase transactions using tokens 110 2003
 
BAYERISCHE MOTOREN WERKE AKTIENGESELLSCHAFT (1)
6,924,729 Remote control device for motor vehicles 31 1999
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 328 1996
 
BRIDGEPOINT SYSTEMS, INC. (1)
6,223,984 Distinct smart card reader having wiegand, magnetic strip and bar code types emulation output 144 1997
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,102,162 Automated self-service cafeteria system 93 1998
 
CARDIS ENTERPRISES INTERNATIONAL N.V. (1)
6,257,486 Smart card pin system, card, and reader 228 1998
 
CERTICOM CORP. (1)
5,955,717 Transaction verification protocol for Smart Cards 85 1997
 
CITICORP CREDIT SERVICES, INC. (1)
2004/0010,462 Method and system for a multi-purpose transactional platform 127 2003
 
CONTINENTAL CABLEVISION, INC. (1)
5,956,024 Graphical user interface for customer service representatives for subscriber management systems 181 1996
 
CU DIRECT CORPORATION (1)
6,029,149 Lender direct credit evaluation and loan processing system 285 1999
 
CUSTOMEDIA, LLC (1)
6,213,391 Portable system for personal identification based upon distinctive characteristics of the user 181 1997
 
DATALOGIC MOBILE, INC. (1)
6,415,978 Multiple technology data reader for bar code labels and RFID tags 185 1999
 
DATASCAPE, INC. (1)
6,684,269 System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet 88 2002
 
DELL USA, L.P. (1)
5,606,594 Communication accessory and method of telecommunicating for a PDA 177 1994
 
DH TECHNOLOGY, INC. (1)
5,331,138 Hybrid card reader 85 1992
 
DIEBOLD, INCORPORATED (1)
2004/0016,796 Automated banking apparatus and method 76 2003
 
DONNELLY CORPORATION (1)
6,547,133 Vehicle mounted remote transaction interface system 95 2000
 
DRESSER, INC. (1)
2003/0025,600 Wireless communication in a retail refueling environment 67 2001
 
EMS ENGINEERED MATERIALS SOLUTIONS, LLC (1)
5,222,282 Method for reducing thickness of a high-strength low-ductility metal foil on thin strip element 72 1992
 
ENGINEERED MATERIALS SOLUTIONS, INC. (1)
5,226,989 Method for reducing thickness of a titanium foil or thin strip element 65 1991
 
EXXONMOBIL RESEARCH AND ENGINEERING COMPANY (1)
2002/0152,123 System and method for processing financial transactions 139 2002
 
FAIRMOUNT CHEMICAL COMPANY, INC. (1)
4,672,021 Contrast enhancement layer composition with naphthoquinone diazide, indicator dye and polymeric binder 83 1985
 
FIRST AMERICAN CMSI (1)
5,878,403 Computer implemented automated credit application analysis and decision routing system 390 1995
 
FIRST DATA CORPORATION (1)
6,141,651 Funding and settlement integrated suspense processing system 119 1998
 
FORD MOTOR COMPANY (1)
2002/0188,501 Method and system for providing rebates to automobile owners based on purchases made at participating retailer locations 64 2001
 
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections 109 1997
 
FRANCE TELECOM (1)
2003/0163,699 Cryptography method and smart cards microcircuit 64 2003
 
FREENY, JAMES P. (1)
6,490,443 Communication and proximity authorization systems 189 2000
 
FREESCALE SEMICONDUCTOR, INC. (1)
5,789,733 Smart card with contactless optical interface 249 1996
 
GARMIN LTD. (1)
6,789,012 PDA systems, functional data, and methods for generating a route 85 2002
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 330 1997
 
GEMPLUS (1)
6,589,119 Data and value unit transfer system on slot machine network 71 1999
 
GENERAL ELECTRIC COMPANY (1)
6,626,356 Multi-use credit card for financial transactions and vehicle configuration 64 2001
 
GENERAL MOTORS LLC (1)
2003/0014,357 Method and system for conducting user defined mobile commerce 63 2001
 
GEPA HOLDINGS LIMITED LIABILITY COMPANY (1)
6,219,439 Biometric authentication system 239 1999
 
HALIMI, EDWARD MAYER (1)
6,102,672 Motor-driven centrifugal air compressor with internal cooling airflow 86 1997
 
IDENTITY STRONGHOLD, LLC (1)
6,121,544 Electromagnetic shield to prevent surreptitious access to contactless smartcards 159 1998
 
IER (1)
2003/0054,836 Method and device for time control of movement or position of persons, animals or objects 43 2002
 
INFINEON TECHNOLOGIES AG (1)
5,809,633 Method for producing a smart card module for contactless smart cards 131 1997
 
INTELLITECH CORPORATION (1)
4,656,463 LIMIS systems, devices and methods 371 1983
 
INVENTEC ELECTRONICS (NANJING) CO., LTD. (1)
6,628,961 Device and a method for connecting a mobile phone handset to an external keyboard 76 2000
 
ISLIP TECHNOLOGIES LLC (1)
6,325,285 Smart card with integrated fingerprint reader 167 1999
 
JESS-LINK PRODUCTS CO., LTD. (1)
6,457,996 Connector to PDA external keyboard 70 2001
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (1)
5,903,830 Transaction security apparatus and method 217 1997
 
KABUSHIKI KAISHA TOKAI RIKA DENKI SEISAKUSHO (1)
5,710,421 IC card 78 1996
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 119 1998
 
KONICA CORPORATION (1)
5,407,893 Material for making identification cards 97 1993
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
2002/0176,522 Quadrature envelope-sampling of intermediate frequency signal in receiver 69 2001
 
LENOVO (SINGAPORE) PTE LTD. (1)
6,507,762 Method and system for remotely controlling an appliance using a personal digital assistant 93 1999
 
LOGICLINK CORPORATION (1)
5,987,498 Credit card operated computer on-line service communication system 230 1996
 
LOWENSOHN, BRENT (1)
7,069,444 Portable wireless access to computer-based systems 71 2002
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
6,830,193 Non-contact IC card 59 2002
 
MAXIM INTEGRATED PRODUCTS, INC. (1)
6,105,013 Method, apparatus, system and firmware for secure transactions 83 1998
 
MFH, LLC (1)
6,609,655 Smart card system for providing financial, travel, and entertainment-related services 84 2000
 
MICROSOFT CORPORATION (1)
5,721,781 Authentication system and method for smart card transactions 494 1995
 
MIROKU JYOHO SERVICE CO., LTD. (1)
5,890,137 On-line shopping system and the method of payment settlement 300 1996
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards 154 1995
 
MITSUBISHI SEMICONDUCTOR SOFTWARE CO. LTD. (1)
5,604,342 Noncontact card and card system 67 1995
 
MOBIL OIL CORPORATION (1)
5,859,779 Portable point-of sale terminal with device for inputting security code access key 99 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 124 1999
 
MORDECHAI TEICHER (1)
5,206,488 Credit card system including a central unit and a plurality of local units for conducting low-cost transactions 171 1989
 
MORPHO (1)
6,494,380 IC card having fingerprint sensor designed to withstand bending 64 2001
 
NANJI, ANVAR (1)
5,797,133 Method for automatically determining the approval status of a potential borrower 238 1997
 
NET1 HOLDINGS S.A.R.L. (1)
RE36788 Funds transfer system 111 1997
 
NEW AMERICAN CAPITAL, INC. (1)
5,950,179 Method and system for issuing a secured credit card 97 1996
 
NJC INNOVATIONS (1)
6,491,229 Contactless chip card associated with RF transmission means 71 1999
 
NOBLE, RICHARD (1)
2002/0074,398 System and method for making monetary transactions within a coverage area 85 2001
 
OBERTHUR CARD SYSTEMS SA (1)
6,484,937 Method for storing data in a chip card rewritable memory 97 1999
 
OBIS PATENTS LTD. (1)
6,636,833 Credit card system and method 178 1999
 
ON TRACK INNOVATIONS LTD. (1)
6,202,927 Dual mode proximity and in-range smart card data transaction system 84 1998
 
ORBIS PATENTS LTD. (1)
2003/0028,481 Credit card system and method 183 2002
 
ORTON, KEVIN (1)
6,157,824 Virtual credit card access device for mobile communications equipment 66 1998
 
PAYTRONIX SYSTEMS, INC. (1)
2003/0009,382 Customer identification, loyalty and merchant payment gateway 163 2002
 
PENDRAGON WIRELESS LLC (1)
6,198,728 Medium access control (MAC) protocol for wireless ATM 131 1996
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 267 1998
 
POWER INNOVATIONS LIMITED (1)
5,285,100 Semiconductor switching device 63 1992
 
PRESTO TECHNOLOGIES, INC. (1)
6,400,272 Wireless transceiver for communicating with tags 223 2000
 
QUECARD, INC. (1)
2004/0177,045 Three-legacy mode payment card with parametric authentication and data input elements 100 2004
 
RELATED ENERGY & SECURITY (1)
4,475,308 Revolving door system 74 1982
 
SAMSUNG ELECTRONICS CO., LTD. (1)
6,374,245 Server system communicating with personal digital assistant and communication method thereof 84 1998
 
SAT CORPORATION (1)
6,480,100 Radio frequency identification tag formatting method 128 2001
 
SCAN-EM CORP (1)
5,640,002 Portable RF ID tag and barcode reader 523 1995
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,657,388 Method and apparatus for utilizing a token for resource access 226 1994
 
SIERRA DESIGN GROUP (1)
2002/0111,210 Anonymous player identifiers in a gaming environment 115 2001
 
SMART CARD, LLC (1)
5,530,232 Multi-application data card 398 1993
 
SMART SYSTEM TECHNOLOGIES, INC. (1)
2002/0011,519 System and method for consumer identification using optical and electronic means 84 2001
 
SMART SYSTEMS CO., LLC (1)
5,828,044 Non-contacting type radio frequency recognizing credit card system 114 1997
 
SONERA SMARTTRUST OY (1)
6,711,262 Procedure for the control of applications stored in a subscriber identity module 74 1999
 
SYNTONIC TECHNOLOGY, INC. (1)
4,303,904 Universally applicable, in-motion and automatic toll paying system using microwaves 229 1979
 
T-MOBILE DEUTSCHLAND GMBH (1)
6,690,930 Process to control a subscriber identity module (SIM) in mobile phone system 79 2000
 
TADASHI ETOH (INDIVIDUAL) (1/2 OF RIGHT) (1)
6,260,026 Credit card information management system 105 1997
 
TECH LINK INTERNATIONAL ENTERTAINMENT LTD. (1)
5,851,149 Distributed gaming system 444 1995
 
TELCORDIA CORPORATION (1)
2004/0180,657 Authenticating multiple devices simultaneously using a single wireless subscriber identity module 53 2002
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
2004/0176,071 Secure remote subscription module access 59 2004
 
TEXAS INSTRUMENTS HOLLAND B.V. (1)
5,453,747 Transponder systems for automatic identification purposes 143 1994
 
TEXAS INSTRUMENTS-ACER INCORPORATED (1)
5,989,950 Reduced mask CMOS salicided process 72 1998
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 403 1995
 
THE EXCHANGE SYSTEM LIMITED PARTNERSHIP (1)
4,984,270 Method and system for transmission of financial data 70 1987
 
TRACFONE WIRELESS, INC. (1)
6,650,887 Mobile phone system with host processor coordination and internal mobile phone accounting capabilities 99 2000
 
TRANSACTION TECHNOLOGY, INC. (1)
5,844,218 Method and system for using an application programmable smart card for financial transactions in multiple countries 183 1996
 
TRANSMO LIMITED (1)
6,510,998 Card charging system 87 1999
 
TRASMO LIMITED (1)
6,364,208 Card changing system 74 1999
 
TRITHEIM TECHNOLOGIES, INC. (1)
5,854,891 Smart card reader having multiple data enabling storage compartments 79 1996
 
TYCO FIRE & SECURITY GMBH (1)
5,955,951 Combined article surveillance and product identification system 212 1998
 
US PHILIPS ELECTRONICS (1)
6,424,029 Chip card 161 2000
 
VLSI TECHNOLOGY, INC. (1)
6,411,611 Communication systems, communication methods and a method of communicating data within a DECT communication system 109 1998
 
WASHINGTON UNIVERSITY (1)
5,920,628 Method and apparatus for fingerprinting and authenticating various magnetic media 124 1997
 
WESSEL, KENNETH R., 26 BEACH STREET, WHITE PLAINS,NEW YORK 10604 (1)
4,583,766 Secure badge for infrared badge reader and process for making same 81 1984
 
WM. WRIGLEY JR. COMPANY (1)
2002/0095,343 Apparatus and method for providing point of purchase products 66 2001
 
XATRA FUND MX, LLC (1)
2003/0167,207 System and method for incenting payment using radio frequency identification in contact and contactless transactions 126 2003
 
YOZAN INC. (1)
2002/0052,839 Charge collection method 63 2001
 
ZIH CORP. (1)
5,519,381 Detection of multiple articles 265 1993
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (22)
5,101,200 Fast lane credit card 157 1989
5,774,882 Credit approval system 168 1993
5,748,737 Multimedia electronic wallet with generic card 292 1994
5,844,230 Information card 198 1995
5,825,007 Automatic non-computer network no-stop collection of expressway tolls by prepaid cards and method: pay according to category of vehicle and the distance it travels 74 1996
6,047,888 Method system and portable data medium for paying for purchases 117 1998
6,342,844 Two-way radio-based electronic toll collection method and system for highway 110 1998
6,123,223 Automated vending system for floral arrangements 109 1998
6,339,384 Toll booth credit device 38 2000
2002/0077,895 Electronic consumer incentive distribution system 77 2000
2002/0107,742 System for and method of transacting non-fuel purchases using an island transaction terminal 76 2001
2002/0147,913 Tamper-proof mobile commerce system 82 2001
2002/0126,010 Object locator system employing RF signaling 76 2001
2002/0095,389 Method, apparatus and system for identity authentication 84 2001
2003/0014,891 Non-rectangular shaped credit card with case 79 2002
2002/0131,567 Device and method for repetitive communication of messages 65 2002
2002/0107,007 Method for wireless telephony payment and an apparatus therefor 81 2002
2002/0185,543 Data card 79 2002
2003/0069,846 Multi-function electronic transaction card 84 2002
2003/0222,153 Data card 77 2003
2003/0225,713 Prepayment system for power distribution using RFID technology 66 2003
2003/0195,842 Method and device for making secure transactions 85 2003

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (17)
7,429,927 System and method for providing and RFID transaction device 3 2005
7,543,738 System and method for secure transactions manageable by a transaction account provider 11 2005
8,001,054 System and method for generating an unpredictable number using a seeded algorithm 2 2006
7,451,924 System for biometric security using a smartcard 5 2007
7,451,925 System for biometric security using a smartcard 3 2007
7,445,149 System for biometric security using a smartcard 0 2007
7,438,234 System for biometric security using a smartcard 5 2007
7,533,827 Smartcard transaction method and system using signature recognition 3 2007
7,530,493 Smartcard transaction method and system using iris scan recognition 3 2007
7,523,860 Smartcard transaction method and system using facial scan recognition 3 2007
7,510,115 Smartcard transaction method and system using auditory scan recognition 3 2007
7,506,806 Smartcard transaction method and system using fingerprint recognition 27 2007
7,497,375 Smartcard transaction method and system using smellprint recognition 3 2007
7,494,058 Smartcard transaction method and system using voiceprint recognition 4 2007
7,594,612 Smartcard transaction method and system using retinal scan recognition 4 2007
7,793,845 Smartcard transaction system and method 2 2009
8,016,191 Smartcard transaction system and method 3 2010
 
XATRA FUND MX, LLC (15)
7,889,052 Authorizing payment subsequent to RF transactions 1 2003
7,668,750 Securing RF transactions using a transactions counter 0 2004
7,639,116 Converting account data associated with a radio frequency device 1 2004
7,725,427 Recurrent billing maintenance with radio frequency payment devices 0 2004
7,705,732 Authenticating an RF transaction using a transaction counter 4 2004
7,735,725 Processing an RF transaction using a routing number 0 2005
7,637,434 Registering a biometric for radio frequency transactions 1 2007
7,506,818 Biometrics for radio frequency payment transactions 8 2007
7,500,616 Authenticating fingerprints for radio frequency payment transactions 5 2007
8,284,025 Method and system for auditory recognition biometrics on a FOB 0 2007
7,690,577 Registering a biometric for radio frequency transactions 1 2007
7,506,819 Biometric security using a fob 6 2007
RE43157 System and method for reassociating an account number to another transaction account 1 2008
7,886,157 Hand geometry recognition biometrics on a fob 0 2008
7,780,091 Registering a biometric for radio frequency transactions 1 2009
 
JPMORGAN CHASE BANK, N.A. (13)
7,860,789 Multiple account advanced payment card and method of routing card transactions 6 2002
8,306,907 System and method for offering risk-based interest rates in a credit instrument 1 2003
7,809,595 System and method for managing risks associated with outside service providers 3 2003
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 3 2007
7,818,253 Debit purchasing of stored value card for use by and/or delivery to others 3 2007
8,020,754 System and method for funding a collective account by use of an electronic tag 3 2007
7,809,643 Debit purchasing of stored value card for use by and/or delivery to others 3 2007
7,890,422 Multiple account advanced payment card and method of routing card transactions 9 2008
8,078,528 System and method for providing borrowing schemes 3 2009
8,190,522 System and method for providing borrowing schemes 0 2009
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 0 2010
8,145,549 System and method for offering risk-based interest rates in a credit instutment 2 2010
 
AMTECH SYSTEMS, LLC (2)
7,450,010 RFID mutual authentication verification session 11 2006
8,154,405 RFID mutual authentication verification session 1 2008
 
FIRST DATA CORPORATION (2)
7,482,908 Radio-frequency-device personalization 0 2004
8,296,233 Electronic payment instrument and packaging 0 2011
 
VERAYO, INC. (2)
7,564,345 Volatile device keys and applications thereof 7 2005
7,839,278 Volatile device keys and applications thereof 0 2009
 
GENERAL ELECTRIC COMPANY (1)
8,315,930 Systems and methods for charging an electric vehicle using broadband over powerlines 0 2008
 
GM GLOBAL TECHNOLOGY OPERATIONS LLC (1)
7,504,931 Remote feedback for vehicle key fob functions 8 2006
 
HAND HELD PRODUCTS, INC. (1)
7,594,610 Customizable optical reader 1 2007
 
STRATOS INTERNATIONAL, INC. (1)
7,458,517 Radio frequency identification of a connector by a patch panel or other similar structure 4 2005
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (2)
8,447,670 Universal payment protection 0 2009
8,447,672 Universal payment protection 0 2011

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Jan 3, 2015
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jan 3, 2019
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
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