US Patent No: 7,591,416

Number of patents in Portfolio can not be more than 2000

Selectable multi-purpose card

2 Status Updates

Stats

ALSO PUBLISHED AS: 20060131396
ATTORNEY / AGENT: (SPONSORED)
 

Importance

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Abstract

A selectable, multi-purpose card comprising a plurality of features stored in memory means operatively mounted on the card and selection means for allowing a user to select a feature in a few simple steps, preferably in a single step. In one embodiment the card includes a plurality of magnetic strips positioned on the card in a manner to allow swiping each magnetic strip separately using conventional reading devices. Each magnetic strip activates a different feature of the card. In another embodiment the card includes a programmable magnetic strip, a plurality of features stored in memory means mounted on the card, a plurality of buttons or contacts, and means for programming the magnetic strip with a different card feature. The card may also include a thin, flexible display.

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First Claim

Related Publications

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1861

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Blossom, George West Chester, PA 11 661

Cited Art

Patent Info (Count) # Cites Year
 
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4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 269 1986
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4,906,826 Usage promotion method for payment card transaction system 110 1988
4,870,259 Transaction approval system 91 1989
4,908,521 Transaction approval system 89 1989
4,943,707 Transaction approval system 123 1989
5,177,342 Transaction approval system 227 1990
5,175,416 Funds transfer system 315 1991
5,477,038 Method and apparatus for distributing currency 345 1993
5,465,206 Electronic bill pay system 616 1993
5,703,344 Electronic funds confirmation at point of transaction 249 1995
RE36365 Method and apparatus for distributing currency 228 1996
5,920,847 Electronic bill pay system 537 1996
6,119,103 Financial risk prediction systems and methods therefor 332 1997
RE37122 Method and apparatus for distributing currency 174 1998
6,298,336 Card activation at point of distribution 184 1998
RE38255 Method and apparatus for distributing currency 113 2001
 
JPMORGAN CHASE BANK, N.A. (16)
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6,631,849 Selectable multi-purpose card 277 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 35 2000
6,341,724 Cardless payment system 134 2001
2001/0034,682 International banking system and method 105 2001
2003/0033,246 Sponsor funded stored value card 64 2002
7,165,049 Sponsor funded stored value card 66 2002
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 136 2003
2004/0128,186 System and method for managing risks associated with outside service providers 58 2003
7,392,222 System and method for providing promotional pricing 60 2004
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7,263,507 Customer activated multi-value (CAM) card 32 2005
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CITIBANK, N.A. (15)
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5,920,629 Electronic-monetary system 250 1997
5,953,423 Electronic-monetary system 129 1997
5,963,648 Electronic-monetary system 182 1997
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LUCENT TECHNOLOGIES INC. (7)
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5,857,079 Smart card for automatic financial records 266 1994
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6,014,636 Point of sale method and system 249 1997
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CHESS VENTURES LLC (6)
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2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
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5,365,575 Telephonic-interface lottery system 158 1991
5,553,120 Telephonic-interface game control system 102 1993
5,349,633 Telephonic-interface game control system 118 1994
5,787,156 Telephonic-interface lottery system 138 1994
5,835,576 Telephonic-interface lottery device 143 1997
 
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6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 56 1998
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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 80 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 102 1999
6,434,259 Method of providing secure user access 91 1999
6,429,927 Imaging device, especially for optical fingerprinting 83 1999
6,498,861 Biometric security encryption system 89 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 161 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 170 1997
6,167,385 Supply chain financing system and method 136 1998
2002/0095,365 Corporate products trading marketplace 93 2001
2002/0077,978 Method and system for processing internet payments 238 2001
 
FUJITSU LIMITED (5)
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MICROSOFT CORPORATION (5)
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5,721,781 Authentication system and method for smart card transactions 495 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 555 1997
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2001/0037,315 System and method for secure distribution of information via eMail 70 2000
 
NCR CORPORATION (5)
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5,770,843 Access card for multiple accounts 272 1996
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PHOENIX LICENSING, LLC (5)
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SAMSUNG DISPLAY CO., LTD. (5)
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6,450,407 Chip card rebate system 221 2000
 
THE WESTERN UNION COMPANY (5)
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5,350,906 Currency transfer system and method using fixed limit cards 388 1992
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AT&T CORP. (4)
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CHASE MANHATAN BANK USA, N.A. (4)
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5,789,733 Smart card with contactless optical interface 250 1996
 
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6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 126 1998
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VERIZON SERVICES CORP. (2)
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A.W. Faber-Castel U.S.A. (1)
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BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 341 1996
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 359 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 132 1999
 
BROADVISION (1)
5,710,887 Computer system and method for electronic commerce 1223 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 97 1997
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 94 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 170 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (1)
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 294 1997
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 236 1998
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 327 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 112 1985
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 358 1995
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 528 1991
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 93 1999
 
CITICORP (1)
5,914,472 Credit card spending authorization control system 351 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 87 1998
 
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 132 1995
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 183 1994
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 94 2001
 
COMPUTERIZED DATA SSYTEMS FOR MFG., INC. (1)
5,049,728 IC card system with removable IC modules 198 1990
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 421 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 34 2004
 
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 263 1991
 
CRISIS TECHNOLOGIES, INC. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 58 2002
 
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system 488 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 99 1996
 
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 391 1993
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 144 2000
 
DELIVERM CONSULTING B.V., LLC (1)
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability 53 2003
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 112 1999
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 278 1989
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 79 2001
 
DOUBLECREDIT.COM, INC. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 201 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 106 2000
 
E-VANTAGE INTERNATIONAL, INC. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market 168 2001
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 83 2000
 
ELECTRONIC CONSUMER CONCEPTS, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 323 1996
 
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations 57 1989
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1112 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 458 1996
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 245 1998
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 96 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 587 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 816 1995
 
FLEX JAPAN INC. (1)
4,789,928 Auction information transmission processing 583 1987
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 61 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 171 1997
 
FREDDIE MAC (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 44 2004
 
GALAXIA COMMUNICATIONS INC. (1)
6,793,135 Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards 49 2001
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 333 1997
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 51 2005
 
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 59 1998
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 138 1993
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 42 2004
 
GTECH PRINTING CORPORATION (1)
6,134,309 Pre-paid phone card system with promotional link 83 1997
 
H-RENEE, INCORPORATED (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1006 1989
 
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 282 1990
 
HEWLETT-PACKARD COMPANY (1)
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 453 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 108 1997
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 336 1996
 
IGT (1)
6,377,669 Method and apparatus for awarding and redeeming prepaid telephone time 61 1998
 
IN-STORE BROADCASTING NETWORK, LLC (1)
2005/0234,771 Method and system for providing intelligent in-store couponing 45 2005
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 338 1995
 
INTELLICARD INTERNATIONAL, INC. (1)
4,614,861 Unitary, self-contained card verification and validation system and method 496 1984
 
INTELLIGENT IDEATION, INC. (1)
6,463,039 Method and apparatus for full duplex sideband communication 104 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 194 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 64 2000
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 206 1987
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 225 1995
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 120 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 73 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 229 1990
 
JEFFERSON CAPITAL SYSTEMS, LLC (1)
2005/0102,228 System and method for providing a credit account for debt recovery 31 2003
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 74 2004
 
JUERGEN DETHLOFF (1)
4,837,422 Multi-user card system 390 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 126 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 96 2001
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 188 1985
 
LDC Direct Ltd. (1)
6,169,975 Point-of-distribution pre-paid card vending system 135 1997
 
LEAD CORE FUND, L.L.C. (1)
7,216,091 Stored value transaction system including an integrated database server 72 1999
 
LENDING TREE. THE (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 202 1998
 
LEVEL Z, L.L.C. (1)
2002/0165,820 Prepaid electronic cash system with pin vending machines 68 2001
 
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method 77 2001
 
LICENSYS PTY LTD (1)
D538349 Number plate 38 2005
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment 130 1985
 
Lobar Code Inc. (1)
5,665,953 Self-contained personal data collector for redeeming coupons 150 1996
 
LOSIPIAL WIRELESS, LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 174 1998
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 83 1991
 
M.A. RIVALTO, INC. (1)
5,482,139 Automated drive-up vending facility 204 1995
 
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 123 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 194 1997
 
MARTIZ, INC. (1)
5,689,100 Debit card system and method for implementing incentive award program 319 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 206 1998
 
MERIDIAN ENTERPRISES, INC. (1)
5,025,372 System and method for administration of incentive award program through use of credit 489 1989
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 40 2001
 
MICRO ENHANCEMENT INTERNATIONAL (1)
5,857,175 System and method for offering targeted discounts to customers 412 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 224 1995
 
MITSUBISHI ELECTRIC SEMICONDUCTOR SOFTWARE CO., LTD. (1)
5,736,728 Non contact IC card and a non contact IC card system 105 1995
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 116 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 125 1999
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 236 1996
 
MONEYABILITY TECHNOLOGY, LLC (1)
2006/0085,334 Dynamic financial liability management 67 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 172 1989
 
MORGAN STANLEY DEAN WITTER (1)
6,092,056 Data processing system and method for financial debt instruments 274 1999
 
MOTOROLA, INC. (1)
6,049,463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same 125 1997
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 100 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 150 1999
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 118 1997
 
NEXTCARD, LLC (1)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 260 1998
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 65 1997
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 101 1996
 
ONENAME CORPORATION (1)
6,757,710 Object-based on-line transaction infrastructure 165 2002
 
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method 172 1997
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 176 1998
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 193 1998
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 408 1992
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 215 1989
 
PELIKON LIMITED (1)
6,360,954 Portable cards 92 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 154 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 274 1998
 
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 130 2001
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 62 2003
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 140 1998
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 239 1996
 
PROTECH VIDEO SECURITY, INC. (1)
6,119,932 Identification verification apparatus and method 103 1997
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 75 2001
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 193 1987
 
RADISSON HOTELS INTERNATIONAL, INC. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 264 1995
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 83 2000
 
RECLAIM TECHNOLOGY AND SERVICES LIMITED (1)
6,049,773 Automated method for identification of reinsurance claims 108 1997
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 140 2002
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 100 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 89 1999
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 45 2002
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 86 1996
 
ROCKSTAR BIDCO, LP (1)
6,021,189 System for controlling usage of phone debit cards 39 1997
 
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module 70 1999
 
S/B Exchange Enterprises, Inc. (1)
2003/0004,828 Prepaid card authorization and security system 100 2002
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 89 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 399 1996
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 166 1992
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 108 1988
 
SIGNATURE SYSTEMS LLC (1)
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points 115 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 398 1987
 
SONY CORPORATION (1)
5,845,260 System and method for parent-controlled charging for on-line services 185 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 290 1997
 
STARBUCKS CORPORATION (1)
2005/0077,350 Dual card 53 2004
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 82 2001
 
STEVEN NICHTBERGER (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 399 1984
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 112 2003
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 316 1988
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 32 2004
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 45 2003
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
6,070,067 Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks 163 1997
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 410 1995
 
THE CHUBB CORPORATION (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 483 1986
 
THE HARRISON COMPANY, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 193 1991
 
THE OHIO STATE UNIVERSITY RESEARCH FOUNDATION (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 82 1997
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 134 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 90 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 203 1994
 
TRADEVEST, INC. (1)
4,750,119 Purchasing system with rebate feature 289 1986
 
TRANSILWRAP COMPANY, INC. (1)
4,545,838 Lamination product and method employing temporary transfer film 113 1983
 
TRUE RESOURCES, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 38 2005
 
TWEETER INTELLECTUAL PROPERTY, LLC (1)
5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 100 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 63 1983
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 116 2002
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 153 1994
 
UNION STATE BANK (1)
7,006,992 Risk assessment and management system 94 2000
 
UNIVERSAL INTEGRITY PTY LTD (1)
2005/0108,152 Financial brokering method 34 2004
 
UNIVERSAL INTELLECTUAL PROPERTY HOLDINGS, INC. (1)
2005/0021,457 Financial account up-front incentives management system and method 116 2004
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 179 1994
 
US PHILIPS ELECTRONICS (1)
6,424,029 Chip card 163 2000
 
VALUE BENEFITS INSURANCE AGENCY, INC. (1)
2003/0204,421 Integrated system and method for insurance products 49 2002
 
VANTIV, LLC (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 346 1994
 
VERIZON BUSINESS GLOBAL LLC (1)
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 75 2001
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 145 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 91 1998
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 296 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 322 1995
 
WAY AHEAD IP LLC (1)
5,905,246 Method and apparatus for coupon management and redemption 272 1996
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 233 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 133 1997
 
WEEKS, STEPHEN M. (1)
7,346,567 Conditional fee ownership home financing system and business method 29 2002
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 155 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 97 2002
 
WYNN; SOL H. (1)
5,859,419 Programmable multiple company credit card system 341 1995
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 100 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 46 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 158 1996
 
YOU TECHNOLOGY BRAND SERVICES, INC. (1)
2002/0174,018 Method, system, and computer readable medium for facilitating a transaction between a customer, a merchant and an associate 46 2001
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 319 1997
 
ZAMTEC LIMITED (1)
7,152,960 Micro-electromechanical valve having transformable valve actuator 4 2006
 
Other [Check patent profile for assignment information] (58)
4,582,985 Data carrier 334 1982
4,700,055 Multiple credit card system 265 1985
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 255 1989
5,192,947 Credit card pager apparatus 306 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 325 1990
5,206,803 System for enhanced management of pension-backed credit 232 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 410 1991
5,297,026 System for promoting account activity 250 1992
5,359,183 Payment card with display 137 1992
5,326,959 Automated customer initiated entry remittance processing system 324 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 380 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 138 1993
5,457,305 Distributed on-line money access card transaction processing system 209 1994
5,585,787 Programmable credit card 325 1994
5,477,040 Structure for a method of facilitating charge transactions 203 1994
5,745,706 Computer system and related equipment for spending and investment account management 183 1994
5,689,650 Community reinvestment act network 262 1995
5,787,404 Credit-card based retirement fund system and method 169 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 203 1996
5,955,961 Programmable transaction card 289 1996
5,953,710 Children's credit or debit card system 457 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 137 1997
5,984,180 Method and system for gift credit card 147 1997
H1794 Secure money transfer techniques using hierarchical arrangement of smart cards 58 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 142 1997
6,078,891 Method and system for collecting and processing marketing data 201 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 204 1999
6,145,741 Universal pre-paid gasoline and travel card 105 1999
6,385,591 Method and system for electronic organization of coupons 181 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 219 1999
6,868,426 Virtual document organizer system and method 100 2000
6,561,657 Credit card pocket mirror and miniature billboard 60 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 72 2000
2002/0116,330 Wireless communicating credit card 88 2001
2002/0143,703 Internet cash card 67 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 132 2001
6,481,125 Combination postcard and peel-off sticker 42 2001
2002/0032,609 Calendar transaction manager agent, systems and methods 56 2001
2002/0019,793 Method and system for implementing a combined investment 50 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 96 2001
D468789 Wheeled body board 30 2001
2002/0065,720 Online promotion redemption control 33 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 102 2002
2002/0120,627 Virtual document organizer system and method 72 2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations 55 2002
2002/0174,016 Multiple accounts and purposes card method and system 138 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 70 2002
D476681 Bank check 40 2002
D476683 Combined bookmark and photograph holder 25 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 73 2002
D485573 Combined business card with bar code, laser punched holes and radio frequency IC 49 2003
2003/0195,808 Managing retailer product disbursement 72 2003
D495736 Postcard form for maintaining privacy of information contained thereon 40 2003
2004/0024,672 Customer activated multi-value (CAM) card 87 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 63 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 119 2004
2006/0131,869 Methods for use in alerting others that animals are in need of care 29 2005
D551705 Magnetic, sandwich-type bookmark 47 2006

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (24)
7,860,789 Multiple account advanced payment card and method of routing card transactions 6 2002
7,801,816 System and method for currency selectable stored value instrument 1 2003
7,899,753 Systems and methods for time variable financial authentication 2 2003
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
7,801,799 Customer activated multi-value (CAM) card 2 2005
7,784,682 System and method for granting promotional rewards to both customers and non-customers 2 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 16 2006
8,020,754 System and method for funding a collective account by use of an electronic tag 3 2007
7,890,422 Multiple account advanced payment card and method of routing card transactions 9 2008
D636021 Eco-friendly transaction device 2 2008
D620975 Transaction device 2 2009
D617378 Transaction device with a gem-like surface appearance 0 2009
7,954,708 Selectable multi-purpose card 3 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 3 2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers 0 2009
8,447,670 Universal payment protection 0 2009
D623690 Metal transaction device with gem-like surface 3 2010
D622314 Transaction device with a gem-like surface appearance 1 2010
D622315 Transaction device with a gem-like surface appearance 0 2010
D628236 Transaction device 1 2010
D643064 Metal transaction device with gem-like surface 2 2010
8,145,549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8,447,672 Universal payment protection 0 2011
 
DYNAMICS INC. (5)
8,382,000 Payment cards and devices with enhanced magnetic emulators 0 2008
8,020,775 Payment cards and devices with enhanced magnetic emulators 3 2008
8,424,773 Payment cards and devices with enhanced magnetic emulators 0 2011
8,302,872 Advanced dynamic credit cards 0 2011
8,286,876 Cards and devices with magnetic emulators and magnetic reader read-head detectors 0 2011

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Mar 22, 2013
7.5 Year Payment $3600.00 $1800.00 $900.00 Mar 22, 2017
11.5 Year Payment $7400.00 $3700.00 $1850.00 Mar 22, 2021
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
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