US Patent No: 7,641,113

Number of patents in Portfolio can not be more than 2000

Systems and methods for generating revenue from banking transactions using a stored-value card

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Importance

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Abstract

Systems and methods for generating revenue from banking transactions use a kiosk to perform financial services. The kiosk determines a stored-value account related to a stored-value card for a user of the kiosk. The kiosk performs a banking transaction using the stored-value account. The kiosk then determines a service fee for the banking transaction. The kiosk deducts the service fee from the stored-value account or a value of the banking transaction.

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First Claim

Related Publications

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Patent Owner(s)

Patent OwnerAddressTotal Patents
NEXXO FINANCIAL CORPORATIONSAN BRUNO, CA3
NEXXO FINANCIAL, INC.SAN BRUNO, CA2

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Alvarez, David R US 6 74
Shapiro, Mitchell A US 6 74

Cited Art

Patent Info (Count) # Cites Year
 
COINSTAR, INC. (3)
2006/0037,835 Methods and systems for exchanging and or transferring various forms of value 17 2003
2006/0064,379 Methods and systems for exchanging and/or transferring various forms of valve 15 2003
2006/0069,642 Methods and systems for exchanging and or transferring various forms of value 11 2003
 
CAPITAL SECURITY SYSTEMS, INC. (2)
5,897,625 Automated document cashing system 273 1997
6,012,048 Automated banking system for dispensing money orders, wire transfer and bill payment 249 1997
 
THE WESTERN UNION COMPANY (2)
5,350,906 Currency transfer system and method using fixed limit cards 383 1992
5,937,396 System for ATM/ATM transfers 157 1996
 
ARINC (1)
2004/0059,953 Methods and systems for identity management 40 2003
 
CHASE MANHATTAN BANK, THE (1)
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 303 2000
 
CITICORP DEVELOPMENT CENTER, INC. (1)
5,963,647 Method and system for transferring funds from an account to an individual 182 1997
 
DATAWAVE SYSTEMS, INC. (1)
6,659,259 Multiple denomination currency receiving and prepaid card dispensing method and apparatus 40 2001
 
DECISIONING.COM, INC. (1)
5,940,811 Closed loop financial transaction method and apparatus 365 1996
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6,105,009 Automated teller machine dispenser of debit cards 90 1998
 
DEFAULT PROOF CREDIT CARD SYSTEMS, INC. (1)
2003/0088,470 System and process for debit card dispensing 14 2003
 
FIRST DATA CORPORATION (1)
2002/0198,806 Systems and methods for accessing and modifying usage parameters associated with a financial transaction account 53 2002
 
GOOGLE INC. (1)
6,619,545 Kiosk having a people presence detector to determine if a kiosk item is to be presented to a customer 5 2002
 
GROUPON, INC. (1)
6,327,573 Multiple party reward system utilizing single account 183 1998
 
HITACHI-OMRON TERMINAL SOLUTIONS CORP. (1)
6,598,794 Data media processing device 11 2000
 
INFONOX ON THE WEB (1)
6,758,394 Identity verification and enrollment system for self-service devices 21 2001
 
JPMORGAN CHASE BANK, N.A. (1)
2003/0105,714 System and method for currency selectable stored value instrument 30 2003
 
LUCENT TECHNOLOGIES INC. (1)
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 392 1994
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
6,473,500 System and method for using a prepaid card 368 1998
 
MERITON NETWORKS US INC. (1)
2004/0091,136 Real-time biometric data extraction and comparison for self identification 8 2002
 
NCR CORPORATION (1)
5,949,046 Apparatus for issuing integrated circuit cards 35 1996
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 144 1999
 
OBIS PATENTS LTD. (1)
6,636,833 Credit card system and method 177 1999
 
PITNEY BOWES INC. (1)
6,575,362 Secure money order issuing kiosk 46 1996
 
PRIVASYS, INC. (1)
2003/0061,168 Method for generating customer secure card numbers 2 2001
 
RANDOM BIOMETRICS, LLC (1)
2002/0091,937 Random biometric authentication methods and systems 34 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
 
THE EASTERN COMPANY (1)
6,129,275 Smart card transaction system and encoder-dispenser 64 1998
 
THIRD ACT LLC (1)
6,044,360 Third party credit card 242 1997
 
THOMSON LICENSING (1)
6,999,569 System and method for using a prepaid card 47 2002
 
TOKYO MECHATRONICS CO., LIMITED (1)
2001/0013,018 Card settlement system by debit card use 7 2000
 
ULLESOM CONSULTING SVCS., L.L.C. (1)
6,578,761 Method for issuance of satellite credit and debit cards 24 2000
 
VERIFONE, INC. (1)
5,440,108 System and method for dispensing and revalung cash cards 177 1993
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
6,298,336 Card activation at point of distribution 183 1998
 
VISWIS, INC. (1)
2004/0223,629 Facial surveillance system and method 9 2003
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (8)
5,686,713 Apparatus and method for allowing a money order purchase via an ATM 57 1996
2001/0011,680 SELF-SERVICE KIOSK WITH BIOMETRIC VERIFICATION AND/ OR REGISTRATION CAPABILITY 64 1998
6,141,438 Method and control device for document authentication 67 1999
2001/0054,019 E-commerce development intranet portal 40 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 94 2001
2003/0080,185 Money transfer method and system 48 2001
2004/0007,618 Prepaid credit card method 41 2002
2006/0032,911 Prepaid card issuing system 3 2004

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
FREEOSK MARKETING, INC. (1)
8,364,520 Method for measuring effectiveness of sampling activity and providing pre-market product feedback 0 2009
 
REARDON, DAVID C. (1)
8,346,660 System and method for two-way transfer of funds and electronic content between summa account users with gathering of behavioral metrics and management of multiple currencies and escrow accounts 0 2009
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (2)
7,873,572 Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages 0 2005
8,352,364 Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages 0 2010

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Jul 5, 2013
7.5 Year Payment $3600.00 $1800.00 $900.00 Jul 5, 2017
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 5, 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