US Patent No: 7,505,918

Number of patents in Portfolio can not be more than 2000

Method and system for managing risks

Stats

ATTORNEY / AGENT: (SPONSORED)
 

Importance

Loading Importance Indicators... loading....

Abstract

A data processing system and method of using said data processing system for assessing and managing risk is disclosed. The preferred embodiment of the method includes the steps of identifying a set of risk elements; determining an importance for each said risk element; identifying any subrisks associated with said risk elements; identifying one or more control procedures for each said subrisk element; assigning weights to each said control procedure; rating compliance with each said control procedure and calculating an overall weighed compliance score. The method may further include the steps of for each non-fully compliant subrisk, allowing the user to determine whether to accept the risk or generate an action plan addressing the risk. The method may further preferably include calculating future compliance scores based on said action plans. The system further provides for sorting and displaying compliance scores by a number of parameters.

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

First Claim

Related Publications

Loading Related Publications... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1855

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hutter, Maria Princeton Junction, NJ 4 75
Klein, Joel Croton, NY 4 75
Singhani, Naresh Paramus, NJ 4 75
Spielmann, Craig Montclair, NJ 4 75

Cited Art

Patent Info (Count) # Cites Year
 
VISA INTERNATIONAL SERVICE ASSOCIATION (17)
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 268 1986
4,822,985 Transaction approval system 93 1987
4,906,826 Usage promotion method for payment card transaction system 109 1988
4,870,259 Transaction approval system 90 1989
4,908,521 Transaction approval system 88 1989
4,943,707 Transaction approval system 122 1989
5,177,342 Transaction approval system 227 1990
5,175,416 Funds transfer system 312 1991
5,477,038 Method and apparatus for distributing currency 341 1993
5,465,206 Electronic bill pay system 610 1993
5,703,344 Electronic funds confirmation at point of transaction 245 1995
RE36365 Method and apparatus for distributing currency 227 1996
5,920,847 Electronic bill pay system 530 1996
6,119,103 Financial risk prediction systems and methods therefor 330 1997
RE37122 Method and apparatus for distributing currency 173 1998
6,298,336 Card activation at point of distribution 183 1998
RE38255 Method and apparatus for distributing currency 112 2001
 
CITIBANK, N.A. (15)
5,453,601 Electronic-monetary system 596 1991
5,455,407 Electronic-monetary system 344 1995
5,799,087 Electronic-monetary system 196 1995
5,710,889 Interface device for electronically integrating global financial services 539 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 267 1995
6,058,378 Electronic delivery system and method for integrating global financial services 237 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 209 1996
5,920,629 Electronic-monetary system 247 1997
5,953,423 Electronic-monetary system 127 1997
5,963,648 Electronic-monetary system 178 1997
6,047,067 Electronic-monetary system 224 1997
6,895,386 Stock credit card 54 1998
6,098,053 System and method for performing an electronic financial transaction 379 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 119 1999
7,092,905 Systems and methods for the processing of financial transactions 48 2001
 
JPMORGAN CHASE BANK, N.A. (11)
6,227,447 Cardless payment system 305 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 93 1999
7,113,914 Method and system for managing risks 51 2000
6,631,849 Selectable multi-purpose card 270 2000
6,341,724 Cardless payment system 131 2001
2001/0034,682 International banking system and method 104 2001
2003/0033,246 Sponsor funded stored value card 63 2002
7,165,049 Sponsor funded stored value card 65 2002
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 133 2003
2004/0128,186 System and method for managing risks associated with outside service providers 58 2003
7,260,549 Method and system for managing risk 19 2006
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (10)
5,717,925 Information catalog system with object-dependent functionality 173 1996
5,798,950 Method and apparatus for estimating durations of activities in forming a current system, based on past durations of activities in forming past systems 56 1996
6,029,144 Compliance-to-policy detection method and system 168 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 34 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 191 1998
6,675,149 Information technology project assessment method, system and program product 57 1999
6,671,673 Method for integrated supply chain and financial management 152 2000
2003/0154,125 Pesonalisation of promotional offers 65 2001
6,641,050 Secure credit card 134 2001
2006/0106,696 Account transfer using a single financial account 32 2004
 
CATALINA MARKETING CORPORATION (9)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 332 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 460 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 336 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 404 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 570 1995
5,710,886 Electric couponing method and apparatus 394 1995
5,974,399 Method and apparatus for generating purchase incentives based on price differentials 219 1997
6,260,758 Promotional financial transaction machine method 51 1998
6,336,099 Method and system for electronic distribution of product redemption coupons 152 1998
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 407 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 239 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 196 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 230 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 404 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 459 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 250 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 455 1997
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (8)
5,483,445 Automated billing consolidation system and method 328 1993
5,684,291 Refundable prepaid telephone card 116 1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 205 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 76 1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 228 1996
5,988,509 Refundable prepaid telephone card 123 1997
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 126 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 144 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (7)
6,581,839 Transaction card 165 2000
6,742,704 Multiple-service card system 66 2001
2001/0054,003 System and method for using loyalty points 243 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 47 2002
2003/0023,549 Consolidated payment account system and method 84 2002
2005/0021,353 DONATION SYSTEM AND METHOD 40 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 98 2004
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
5,247,190 Electroluminescent devices 909 1990
5,401,827 Semiconductive copolymers for use in luminescent devices 97 1991
5,399,502 Method of manufacturing of electrolumineschent devices 473 1993
5,512,654 Semiconductive copolymers for use in luminescent devices 90 1994
5,672,678 Semiconductive copolymers for use in luminescent devices 111 1995
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 113 1995
5,807,627 Electroluminescent devices 134 1997
 
MASTERCARD INTERNATIONAL INCORPORATED (7)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 425 1988
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 819 1995
5,704,046 System and method for conducting cashless transactions 251 1996
6,473,500 System and method for using a prepaid card 370 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 99 2001
 
LUCENT TECHNOLOGIES INC. (6)
5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 352 1993
5,608,785 Method and apparatus for telephone prize opportunities 131 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 397 1994
5,857,079 Smart card for automatic financial records 264 1994
5,729,693 System and method to automatically provide an electronic consumer rebate 163 1996
6,014,636 Point of sale method and system 246 1997
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
5,218,631 Telephonic-interface game control system 148 1990
5,365,575 Telephonic-interface lottery system 157 1991
5,553,120 Telephonic-interface game control system 101 1993
5,349,633 Telephonic-interface game control system 117 1994
5,787,156 Telephonic-interface lottery system 136 1994
5,835,576 Telephonic-interface lottery device 141 1997
 
ACS STATE & LOCAL SOLUTIONS, INC. (5)
5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 102 1997
6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 129 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 56 1998
7,225,155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 53 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 52 2002
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 79 1999
6,446,210 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 100 1999
6,434,259 Method of providing secure user access 90 1999
6,429,927 Imaging device, especially for optical fingerprinting 81 1999
6,498,861 Biometric security encryption system 88 2000
 
BRADY WORLDWIDE, INC. (5)
D466929 Security pass 49 2002
D467271 Security pass 48 2002
D467272 Security pass 46 2002
D474235 Security pass 66 2002
D477359 Security pass 59 2002
 
CHASE MANHATTAN BANK, THE (5)
5,819,234 Toll collection system 159 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 166 1997
6,167,385 Supply chain financing system and method 132 1998
2002/0095,365 Corporate products trading marketplace 91 2001
2002/0077,978 Method and system for processing internet payments 234 2001
 
FUJITSU LIMITED (5)
6,003,762 Transaction terminal for an electronic cashless system 197 1994
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 310 1998
2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 57 2002
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 62 2004
2005/0119,979 Transaction system and transaction terminal equipment 41 2004
 
MICROSOFT CORPORATION (5)
5,852,812 Billing system for a network 444 1995
5,721,781 Authentication system and method for smart card transactions 494 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 550 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 450 1997
2001/0037,315 System and method for secure distribution of information via eMail 69 2000
 
NCR CORPORATION (5)
4,634,845 Portable personal terminal for use in a system for handling transactions 262 1984
4,689,478 System for handling transactions including a portable personal terminal 236 1984
5,619,558 ATM segment of one marketing method 167 1995
5,770,843 Access card for multiple accounts 270 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 388 1998
 
PHOENIX LICENSING, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 360 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 253 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 109 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 97 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 93 2003
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 221 1998
6,068,183 Chip card system 149 1998
5,931,764 Wearable device with flexible display 144 1998
6,402,039 Flexible chip card with display 134 1999
6,450,407 Chip card rebate system 216 2000
 
AT&T CORP. (4)
6,192,113 Method and apparatus for phone card billing 45 1995
5,675,607 Method and apparatus for facilitating the making of card calls 94 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 149 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 88 1998
 
CHASE MANHATAN BANK USA, N.A. (4)
6,615,189 Debit purchasing of stored value card for use by and/or delivery to others 129 1998
6,032,136 Customer activated multi-value (CAM) card 299 1998
6,615,190 Sponsor funded stored value card 164 2000
6,865,547 Customer activated multi-value (CAM) card 104 2000
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 92 1996
5,770,849 Smart card device with pager and visual image display 126 1996
5,734,154 Smart card with Iintegrated reader and visual image display 137 1996
5,789,733 Smart card with contactless optical interface 249 1996
 
GENERAL ELECTRIC COMPANY (4)
5,696,907 System and method for performing risk and credit analysis of financial service applications 236 1995
5,991,743 System and method for proactively monitoring risk exposure 119 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 125 1998
6,675,127 Computerized systems and methods for managing project issues and risks 70 2001
 
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 402 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 308 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 242 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 276 1994
 
KABUSHIKI KAISHA TOSHIBA (4)
5,055,662 Portable information record medium having liquid crystal and photoconductive layers 132 1989
5,180,901 IC card with individual authentication function 208 1991
5,710,458 Card like semiconductor device 145 1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications 120 1997
 
TOTAL FINA ELF (4)
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
 
ACTIVCARD (3)
5,737,421 System for controlling access to a function having clock synchronization 98 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 167 1996
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 89 2000
 
AT&T IPM CORP. (3)
5,479,494 Virtual calling card system 223 1992
5,450,477 Monitoring of charges debited to an account having an assigned limit 128 1993
5,708,422 Transaction authorization and alert system 337 1995
 
BANK OF AMERICA CORPORATION (3)
5,826,243 Integrated system for controlling master account and nested subaccount(s) 247 1994
6,016,482 Enhanced collateralized funding processor 247 1996
2003/0229,525 System and methods for integrated compliance monitoring 45 2002
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (3)
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 67 2002
7,072,864 Customer activated multi-value (CAM) card 82 2003
7,051,925 System and method for funding a collective account by use of an electronic tag 87 2004
 
INTERNATIONAL CARD TECHNOLOGY (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 166 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 124 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 140 1998
 
MITSUBISHI DENKI KABUSHIKI KAISHA (3)
4,928,001 Secret information preserving system for a multiple issuer IC card 143 1988
5,202,286 Method of forming three-dimensional features on substrates with adjacent insulating films 61 1991
6,045,042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption 83 1992
 
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4,746,787 IC card with display and card recording and reading device 119 1985
5,146,068 System for authenticating an authorized user of an IC card 76 1990
6,338,048 Electronic transaction system 97 1999
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
5,727,153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 284 1995
5,806,044 System and method for distributing coupons through a system of computer networks 292 1996
5,884,278 Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register 135 1997
 
USA TECHNOLOGIES, INC. (3)
5,637,845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 220 1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 78 1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 77 2001
 
WALKER DIGITAL, LLC (3)
5,999,596 Method and system for controlling authorization of credit card transactions 137 1998
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 130 1999
6,374,230 Method, apparatus and program for customizing credit accounts 87 1999
 
ACTIVCARD S.A. (2)
5,887,065 System and method for user authentication having clock synchronization 140 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 129 1997
 
ALEXSAM, INC. (2)
6,000,608 Multifunction card system 289 1997
6,189,787 Multifunctional card system 334 1999
 
BOSTEC SYSTEMS, INC. (2)
4,978,401 Card assembly method 93 1989
5,080,748 Card assembly apparatus 137 1990
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 538 1994
5,884,271 Device, system and methods of conducting paperless transactions 382 1996
 
CALL PROCESSING, INC. (2)
5,511,114 Telephone pre-paid calling card system and method 278 1994
5,721,768 Pre-paid card system and method 265 1996
 
CAPITAL ONE FINANCIAL CORPORATION (2)
5,933,817 Tiered interest rate revolving credit system and method 164 1996
2002/0156,723 System and method for providing extra lines of credit 70 2001
 
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
 
DECISIONING.COM, INC. (2)
5,870,721 System and method for real time loan approval 498 1996
5,940,811 Closed loop financial transaction method and apparatus 370 1996
 
EVERY PENNY COUNTS, INC. (2)
6,112,191 Method and system to create and distribute excess funds from consumer spending transactions 230 1995
6,876,971 Funds distribution system connected with point of sale transaction 65 2000
 
FINANCIAL ENGINEERING ASSOCIATES, INC. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading 219 1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination 92 1998
 
FIRST USA BANK, N.A. (2)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 172 1998
6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium 157 1999
 
GENERAL ELECTRIC CAPITAL CORPORATION (2)
6,856,973 Methods and systems for assessing creditworthiness of a country 62 1999
6,970,830 Methods and systems for analyzing marketing campaigns 95 1999
 
GILBARCO INC. (2)
6,078,888 Cryptography security for remote dispenser transactions 191 1997
6,574,603 In-vehicle ordering 129 1998
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 93 2002
2004/0243,498 Interest bearing gift card mechanisms 68 2004
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 161 1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data 199 1997
 
INTELLECT AUSTRALIA PTY LTD. (2)
6,091,817 Host and user transaction system 110 1997
6,095,412 Host and user transaction system 119 1997
 
LEIGHTON TECHNOLOGIES LLC (2)
6,036,099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom 186 1997
6,557,766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process 62 2000
 
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers 83 1994
6,295,344 Telephone travel card system under the control of its customers 32 1998
 
MOORE NORTH AMERICA, INC. (2)
5,760,381 Prepaid card 186 1996
2002/0046,089 Targeted advertising brochure and method for its use 56 2000
 
MOTOROLA MOBILITY LLC (2)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 232 1996
6,265,977 Radio frequency identification tag apparatus and related method 319 2000
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 236 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 224 1996
 
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions 168 1996
6,295,522 Stored-value card value acquisition method and apparatus 151 1997
 
PRICELINE.COM INCORPORATED (2)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1305 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 392 1997
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 399 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 406 1995
 
SWYCHCO SUPPORT SERVICES PTY. LTD. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 274 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 182 1997
 
THE WESTERN UNION COMPANY (2)
5,326,960 Currency transfer system and method 163 1992
5,350,906 Currency transfer system and method using fixed limit cards 385 1992
 
THIRD ACT LLC (2)
6,044,360 Third party credit card 246 1997
2004/0093,303 Third party debit card 79 2003
 
VERIZON SERVICES CORP. (2)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 181 1995
5,621,787 Prepaid cash card 229 1995
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card 65 1998
 
A.W. FABER-CASTEL U.S.A. (1)
6,484,428 Double-sided magnet with graphical image on each side 38 2000
 
ACCENTURE GLOBAL SERVICES LIMITED (1)
6,895,383 Overall risk in a system 65 2002
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 51 2005
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 565 1996
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 463 1995
 
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method 132 2001
 
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 231 1995
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 158 1994
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 66 2004
 
AMAZON.COM, INC. (1)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 426 1995
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 233 2000
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 119 1998
 
ASSURED EQUITIES, INC. (1)
6,064,985 Automated portfolio management system with internet datafeed 207 1998
 
AT&T BELL LABORATORIES (1)
5,311,594 Fraud protection for card transactions 260 1993
 
AT&T INTELLECTUAL PROPERTY II, L.P. (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet 319 1997
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 241 1994
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 138 1998
 
BLANE, CANADA LTD. (1)
6,757,660 Method for analyzing information to provide an objective assessment of a predefined subject 37 1999
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 333 1996
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 357 1994
 
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 130 1999
 
BROADVISION (1)
5,710,887 Computer system and method for electronic commerce 1217 1995
 
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 96 1997
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 93 1988
 
BULL S.A. (1)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment 78 1991
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 167 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (1)
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 289 1997
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 232 1998
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 324 1990
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 32 2005
 
CASIO COMPUTER CO., LTD. (1)
4,754,418 Combined electronic calculator and credit card 111 1985
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 355 1995
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 525 1991
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 91 1999
 
CITICORP (1)
5,914,472 Credit card spending authorization control system 347 1997
 
CITICORP DEVELOPMENT CENTER, INC. (1)
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal 86 1998
 
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 131 1995
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 181 1994
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 93 2001
 
COMPUTERIZED DATA SSYTEMS FOR MFG., INC. (1)
5,049,728 IC card system with removable IC modules 197 1990
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 420 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 34 2004
 
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system 487 1994
 
DAI NIPPON PRINTING CO., LTD. (1)
6,002,383 Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back 98 1996
 
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 388 1993
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 143 2000
 
DELIVERM CONSULTING B.V., LLC (1)
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability 52 2003
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 111 1999
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 274 1989
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 78 2001
 
DOUBLECREDIT.COM, INC. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 197 2000
 
E-SCORING, INC. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants 105 2000
 
E-VANTAGE INTERNATIONAL, INC. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market 167 2001
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 82 2000
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (1)
5,777,305 Package assembly and method for activating prepaid debit cards 228 1996
 
ELECTRONIC CONSUMER CONCEPTS, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 319 1996
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1104 1995
 
EXECUTING THE NUMBERS, INC. (1)
6,119,097 System and method for quantification of human performance factors 88 1997
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 454 1996
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 239 1998
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 94 2002
 
FIRST DATA CORPORATION (1)
6,978,369 Person-centric account-based digital signature system 68 2001
 
FIRST MARKETRUST INTL. (1)
5,537,314 Referral recognition system for an incentive award program 582 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 810 1995
 
FLEX JAPAN INC. (1)
4,789,928 Auction information transmission processing 576 1987
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 60 2000
 
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 170 1997
 
FREDDIE MAC (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 43 2004
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 331 1997
 
GENWORTH FINANCIAL, INC. (1)
6,912,502 System and method for compliance management 73 1999
 
GIESECKE & DEVRIENT GMBH (1)
6,343,743 Method of checking authenticity of a data carrier 58 1998
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 136 1993
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 42 2004
 
H-RENEE, INCORPORATED (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1001 1989
 
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 281 1990
 
HEWLETT-PACKARD COMPANY (1)
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 450 1996
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
6,732,919 System and method for using a multiple-use credit card 117 2002
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 107 1997
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 333 1996
 
IGT (1)
6,377,669 Method and apparatus for awarding and redeeming prepaid telephone time 60 1998
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 336 1995
 
INTELLICARD INTERNATIONAL, INC. (1)
4,614,861 Unitary, self-contained card verification and validation system and method 492 1984
 
INTELLIGENT IDEATION, INC. (1)
6,463,039 Method and apparatus for full duplex sideband communication 103 1998
 
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 191 1995
 
INTERMEC IP CORP. (1)
6,529,880 Automatic payment system for a plurality of remote merchants 160 1999
 
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card 63 2000
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 205 1987
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 222 1995
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 119 2000
 
IZER INTERNATIONAL, A CORP. OF CA (1)
4,643,452 Business card attaching strip 88 1985
 
J.J. & ASSOCIATES INC. (1)
2002/0082,990 Method of invoice presentation and payment 72 2000
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 38 2004
 
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 228 1990
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 73 2004
 
JUERGEN DETHLOFF (1)
4,837,422 Multi-user card system 388 1987
 
KALINA, DYAN T. (1)
5,970,480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 125 1997
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 119 1998
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 40 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags 95 2001
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 186 1985
 
LDC DIRECT LTD. (1)
6,169,975 Point-of-distribution pre-paid card vending system 134 1997
 
LEVEL Z, L.L.C. (1)
2002/0165,820 Prepaid electronic cash system with pin vending machines 67 2001
 
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method 76 2001
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment 129 1985
 
LOBAR CODE INC. (1)
5,665,953 Self-contained personal data collector for redeeming coupons 149 1996
 
LOSIPIAL WIRELESS, LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 171 1998
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 82 1991
 
M.A. RIVALTO, INC. (1)
5,482,139 Automated drive-up vending facility 203 1995
 
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 122 1996
 
MARFLEX INTERNATIONAL INC. (1)
5,503,891 Flexible magnet attractant display mat 57 1994
 
MARITZ HOLDINGS INC. (1)
5,956,695 Filter processor and method for implementing a program 191 1997
 
MARTIZ, INC. (1)
5,689,100 Debit card system and method for implementing incentive award program 314 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 203 1998
 
MERIDIAN ENTERPRISES, INC. (1)
5,025,372 System and method for administration of incentive award program through use of credit 484 1989
 
MICRO ENHANCEMENT INTERNATIONAL (1)
5,857,175 System and method for offering targeted discounts to customers 408 1995
 
MINERVA, L.P. (1)
5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy 219 1995
 
MITSUBISHI ELECTRIC SEMICONDUCTOR SOFTWARE CO., LTD. (1)
5,736,728 Non contact IC card and a non contact IC card system 104 1995
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 115 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 124 1999
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 235 1996
 
MONEYABILITY TECHNOLOGY, LLC (1)
2006/0085,334 Dynamic financial liability management 66 2004
 
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
 
MORGAN STANLEY DEAN WITTER (1)
6,092,056 Data processing system and method for financial debt instruments 270 1999
 
MOTOROLA, INC. (1)
6,049,463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same 124 1997
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 97 1999
 
NATIONAL BRITANNIA GROUP LTD. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 48 2001
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 148 1999
 
NEW VIEW TECHNOLOGIES, INC. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 116 1997
 
NEXTCARD, LLC (1)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 252 1998
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 64 1997
 
OKEMOS AGENCY, INC. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 100 1996
 
ONENAME CORPORATION (1)
6,757,710 Object-based on-line transaction infrastructure 164 2002
 
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method 170 1997
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 175 1998
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 188 1998
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 404 1992
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 213 1989
 
PELIKON LIMITED (1)
6,360,954 Portable cards 91 2000
 
PENNSYLVANIA FOOD MERCHANTS ASSOCIATION (1)
5,581,064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 153 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 269 1998
 
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 127 2001
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 62 2003
 
PRIVASYS, INC. (1)
2003/0061,168 Method for generating customer secure card numbers 4 2001
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 138 1998
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 236 1996
 
PROTECH VIDEO SECURITY, INC. (1)
6,119,932 Identification verification apparatus and method 102 1997
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 74 2001
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 192 1987
 
RADISSON HOTELS INTERNATIONAL, INC. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 261 1995
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 82 2000
 
RECLAIM TECHNOLOGY AND SERVICES LIMITED (1)
6,049,773 Automated method for identification of reinsurance claims 107 1997
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 137 2002
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 99 1995
 
RETIREMENT CAPITAL ACCESS MANAGEMENT COMPANY LLC (1)
6,625,582 Method and system for converting a designated portion of future social security and other retirement payments to current benefits 88 1999
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 85 1996
 
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module 69 1999
 
S/B EXCHANGE ENTERPRISES, INC. (1)
2003/0004,828 Prepaid card authorization and security system 98 2002
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 88 2003
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5,806,045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 396 1996
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 164 1992
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 107 1988
 
SIGNATURE SYSTEMS LLC (1)
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points 112 2004
 
SMART TV LLC (1)
5,907,350 Television signal activated interactive smart card system 116 1997
 
SMART-MOVE LIMITED (1)
6,213,392 Card interface for interfacing a host application program to data storage cards 71 1998
 
SMARTCARD INTERNATIONAL INC. (1)
4,868,376 Intelligent portable interactive personal data system 394 1987
 
SONY CORPORATION (1)
5,845,260 System and method for parent-controlled charging for on-line services 183 1996
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 46 2001
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 288 1997
 
STARBUCKS CORPORATION (1)
2005/0077,350 Dual card 52 2004
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 81 2001
 
STEVEN NICHTBERGER (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 394 1984
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 109 2003
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 313 1988
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
6,070,067 Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks 161 1997
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 407 1995
 
THE CHUBB CORPORATION (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 481 1986
 
THE HARRISON COMPANY, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 189 1991
 
THE OHIO STATE UNIVERSITY RESEARCH FOUNDATION (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 81 1997
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 132 1998
 
THE UNITED STATES OF AMERICA AS REPRESENTED BY THE ADMINISTRATOR OF THE NATIONAL AERONAUTICS AND SPACE ADMINISTRATION (1)
6,223,143 Quantitative risk assessment system (QRAS) 81 1998
 
THE UNITED STATES OF AMERICA AS REPRESENTED BY THE SECRETARY OF THE NAVY (1)
6,397,202 System and method for monitoring risk in a system development program 89 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 199 1994
 
TRADEVEST, INC. (1)
4,750,119 Purchasing system with rebate feature 288 1986
 
TRANSILWRAP COMPANY, INC. (1)
4,545,838 Lamination product and method employing temporary transfer film 112 1983
 
TWEETER INTELLECTUAL PROPERTY, LLC (1)
5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 99 1994
 
U.S. BANCORP LICENSING, INC. (1)
2002/0111,916 Payment management 50 2001
 
U.S. PHILIPS CORPORATION (1)
4,465,206 Device for the simultaneous mounting of components on a carrier 62 1983
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 113 2002
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 151 1994
 
UNION STATE BANK (1)
7,006,992 Risk assessment and management system 91 2000
 
UNIVERSAL INTELLECTUAL PROPERTY HOLDINGS, INC. (1)
2005/0021,457 Financial account up-front incentives management system and method 115 2004
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 177 1994
 
US PHILIPS ELECTRONICS (1)
6,424,029 Chip card 162 2000
 
VALUE BENEFITS INSURANCE AGENCY, INC. (1)
2003/0204,421 Integrated system and method for insurance products 47 2002
 
VANTIV, LLC (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 344 1994
 
VERIZON BUSINESS GLOBAL LLC (1)
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 74 2001
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 142 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 90 1998
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 291 1997
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 319 1995
 
WAY AHEAD IP LLC (1)
5,905,246 Method and apparatus for coupon management and redemption 268 1996
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 228 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 132 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 152 1998
 
WELLS FARGO HOME MORTGAGE, A DIVISION OF WELLS FARGO BANK, N.A. (1)
2004/0064,402 Method of refinancing a mortgage loan and a closing package for same 95 2002
 
WYNN; SOL H. (1)
5,859,419 Programmable multiple company credit card system 337 1995
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 99 2002
 
XTREME TRAFFIC BUILDERS, INC. (1)
6,557,750 Promotional mailing device 43 2002
 
YALE UNIVERSITY (1)
2003/0110,111 Home equity insurance financial product 45 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 153 1996
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 315 1997
 
ZAMTEC LIMITED (1)
7,152,960 Micro-electromechanical valve having transformable valve actuator 4 2006
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (51)
4,582,985 Data carrier 332 1982
4,700,055 Multiple credit card system 263 1985
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 253 1989
5,192,947 Credit card pager apparatus 304 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 322 1990
5,206,803 System for enhanced management of pension-backed credit 227 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 407 1991
5,297,026 System for promoting account activity 247 1992
5,359,183 Payment card with display 135 1992
5,326,959 Automated customer initiated entry remittance processing system 322 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 377 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 137 1993
5,457,305 Distributed on-line money access card transaction processing system 209 1994
5,585,787 Programmable credit card 322 1994
5,477,040 Structure for a method of facilitating charge transactions 199 1994
5,745,706 Computer system and related equipment for spending and investment account management 182 1994
5,689,650 Community reinvestment act network 258 1995
5,787,404 Credit-card based retirement fund system and method 167 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 200 1996
5,955,961 Programmable transaction card 285 1996
5,953,710 Children's credit or debit card system 452 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 136 1997
5,984,180 Method and system for gift credit card 142 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 140 1997
6,078,891 Method and system for collecting and processing marketing data 200 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 201 1999
6,145,741 Universal pre-paid gasoline and travel card 104 1999
6,385,591 Method and system for electronic organization of coupons 176 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 215 1999
6,868,426 Virtual document organizer system and method 98 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 71 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 2000
2002/0116,330 Wireless communicating credit card 87 2001
2002/0143,703 Internet cash card 65 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 130 2001
6,481,125 Combination postcard and peel-off sticker 42 2001
2002/0032,609 Calendar transaction manager agent, systems and methods 56 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 94 2001
D468789 Wheeled body board 30 2001
2002/0194,081 Internet-based consumer service brand marketing communication system which enables service-providers, retailers, and their respective agents and consumers to carry out service-related functions along the demand side of the retail chain in an integrated manner 100 2002
2002/0120,627 Virtual document organizer system and method 71 2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations 54 2002
2002/0174,016 Multiple accounts and purposes card method and system 137 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 69 2002
D476681 Bank check 40 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 72 2002
2003/0195,808 Managing retailer product disbursement 71 2003
2004/0024,672 Customer activated multi-value (CAM) card 86 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 62 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 115 2004
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 2009

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
BANK OF AMERICA CORPORATION (1)
8,392,237 Compliance methodology 0 2010
 
JPMORGAN CHASE BANK, N.A. (1)
7,809,595 System and method for managing risks associated with outside service providers 3 2003

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Sep 17, 2016
11.5 Year Payment $7400.00 $3700.00 $1850.00 Sep 17, 2020
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