US Patent No: 7,702,553

Number of patents in Portfolio can not be more than 2000

System and method for conversion of initial transaction to final transaction

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

The invention comprises a system and method for converting initial financial transactions into final financial transactions entailing lower transaction fees or which are otherwise more advantageous. According to one embodiment of the invention, a card not present (CNP) transaction is conducted for a remote consumer buying goods/services. When the consumer later arrives at a point of authentication (POA), the consumer is presented with an opportunity to have the CNP transaction effectively converted to a card present (CP) transaction using the same card instrument or a different card instrument. The merchant benefits because the transaction fees are much reduced for the CP transaction compared to the CNP transaction. The consumer may benefit from rewards/rebates or other inducements to authorizing the subsequent transaction. One preferred embodiment implements the invention in the airlines environment, wherein tickets ordered over the phone or on-line using a first CNP transaction are converted to a CP transaction when the consumer swipes his/her card at an airport kiosk card reader device.

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

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1943
U.S. BANCORP LICENSING, INC.MINNEAPOLIS, MN4

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dickelman, Mark Inverness, US 19 178

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (25)
4,495,018 Process for producing a reinforced tube 91 1983
4,700,055 Multiple credit card system 347 1985
4,823,264 Electronic funds transfer system 592 1986
5,053,607 Point-of-sale device particularly adapted for processing checks 383 1989
5,111,395 Automated fund collection system including means to eliminate duplicate entries from a mailing list 142 1989
5,432,506 Counterfeit document detection system 113 1992
5,326,959 Automated customer initiated entry remittance processing system 383 1992
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 323 1994
5,477,040 Structure for a method of facilitating charge transactions 257 1994
5,544,040 System for management of common purchase operations for goods and services 181 1994
6,073,104 System for invoice record management and asset-backed commercial paper program management 197 1994
5,802,498 Computer-aided prepaid transmittal charge billing system 187 1996
6,110,044 Method and apparatus for issuing and automatically validating gaming machine payout tickets 188 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 265 1997
6,129,273 Method and apparatus for an automated, computer approved, check cashing system 147 1998
6,721,715 Method and apparatus for localizing currency valuation independent of the original and objective currencies 165 1998
5,987,436 Obligated investment system 128 1999
* 6,910,628 Travel system and methods utilizing multi-application airline passenger cards 53 2000
2001/0037,250 Method and apparatus for selling international travel tickets in combination with duty free goods 22 2000
2002/0107,770 System for allocating funds in a plurality of stock portfolios 96 2000
* 2001/0016,825 Electronic ticketing and reservation system and method 107 2001
2001/0049,636 System and method for wireless purchases of goods and services 324 2001
2002/0013,728 Universal transaction manager agent, systems and methods 175 2001
2003/0046,218 System and method for protecting positions in volatile markets 135 2001
2005/0033,690 System and method for digital bill presentment and payment 122 2004
 
GLOBAL EXPRESS MONEY ORDERS, INC. (1)
6,119,106 Method and apparatus for facilitating customer payments to creditors from a remote site 249 1997
 
VERIFONE, INC. (1)
* 2004/0019,564 System and method for payment transaction authentication 206 2002
 
The Pugliese Company (1)
* 6,094,640 Electronic ticketing and reservation system and method 113 1997
 
FBS CARD SERVICES, INC. (1)
5,910,896 Shipment transaction system and an arrangement thereof 209 1996
 
CONEXANT SYSTEMS UK LIMITED (1)
6,111,858 Proxy-controlled ATM subnetwork 180 1997
 
Sumitomo Mitsui Banking Corporation (1)
6,085,168 Electronic commerce settlement system 268 1998
 
VISA INTERNATIONAL SERVICE ASSOCIATION (5)
4,812,628 Transaction system with off-line risk assessment 417 1987
5,465,206 Electronic bill pay system 796 1993
5,703,344 Electronic funds confirmation at point of transaction 351 1995
5,621,201 Automated purchasing control system 437 1996
5,963,925 Electronic statement presentment system 448 1997
 
Voith Sulzer Papiermaschinen GmbH (1)
5,823,463 Wound roll support in a web winding machine 29 1997
 
Sony Electronics Inc. (1)
* 2003/0220,841 Method and system for merchant-to-merchant referrals and item brokering 26 2000
 
CURSYS, INC. (NOW CURRENCY SCIENTIFIC INC.) (1)
5,420,405 Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes 303 1993
 
GILBERT, JAMES A. (1)
2003/0018,557 Financial processing gateway structure 99 2002
 
HYPION NETWORK SRVC, LLC (1)
6,058,381 Many-to-many payments system for network content materials 255 1997
 
EXECUTONE INTER-TELBUSINESS INFORMATION SYSTEMS, INC. (1)
5,793,861 Transaction processing system and method 290 1996
 
LEXISNEXIS RISK SOLUTIONS GA INC. (1)
5,832,464 System and method for efficiently processing payments via check and electronic funds transfer 228 1996
 
DECISIONING.COM, INC. (1)
5,870,721 System and method for real time loan approval 727 1996
 
SHORE DEARY, L.L.P. (1)
6,032,137 Remote image capture with centralized processing and storage 371 1998
 
SQN (1)
5,444,794 Check image capture system 272 1993
 
INFORMATION RETRIEVAL CONSULTANTS (WORLDWIDE HOLDINGS) LIMITED (1)
6,052,674 Electronic invoicing and collection system and method with charity donations 225 1997
 
Cardtronics, Inc. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 415 1990
 
HUNTINGTON NATIONAL BANK, THE (1)
5,583,759 Mechanism for expediting the deposit, transport and submission of checks into the payment system 211 1995
 
JSW INVESTMENTS LLC (1)
2003/0149,632 Method and system for processing payments for remotely purchased goods 7 2001
 
CALLAHAN CELLULAR L.L.C. (1)
6,035,287 Method and apparatus for bundled asset trading 396 1997
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 200 2003
 
ATC Realty FIfteen, Inc. (1)
6,149,056 Automatic check cashing using biometric identification verification 249 1997
 
CHASE MANHATAN BANK USA, N.A. (1)
6,615,189 Debit purchasing of stored value card for use by and/or delivery to others 184 1998
 
BIELOMATIK LEUZE GMBH & CO.KG (1)
5,823,464 Device for guiding ply webs of paper or the like 15 1997
 
SIGNATURE SYSTEMS LLC (1)
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points 204 2004
 
Capitol Cities/ABC, Inc. (1)
5,396,417 Product distribution equipment and method 188 1991
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (4)
5,963,659 Method and apparatus for correcting erroneously decoded magnetic ink characters 105 1995
6,609,125 Funds transfer repair system 118 1999
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 488 2000
6,704,714 Virtual private lock box 227 2000
 
HEWLETT-PACKARD COMPANY (1)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 327 1990
 
WILMINGTON TRUST, NATIONAL ASSOCIATION, AS ADMINISTRATIVE AGENT (2)
5,640,577 Data processing system with automated at least partial forms completion 387 1995
5,724,424 Digital active advertising 1057 1995
 
CAPITAL ONE FINANCIAL CORPORATION (1)
5,583,760 System for establishing and administering funded and post-funded charge accounts 133 1994
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
6,125,354 System and method for generating an invoice to rebill charges to the elements of an organization 115 1998
 
OLYMPUS OPTICAL CO., LTD. (1)
5,551,021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 254 1994
 
ACCENTURE GLOBAL SERVICES LIMITED (1)
5,592,378 Computerized order entry system and method 442 1994
 
OFFICIAL PAYMENTS CORPORATION (1)
6,202,054 Method and system for remote delivery of retail banking services 431 1998
 
GROUP 1 SOFTWARE, INC. (1)
6,078,907 Method and system for electronically presenting and paying bills 296 1998
 
TILLICOMB INTERNATIONAL LDC (2)
5,367,581 Magnetic reader with read head biased against document by resilient deflection of circuit board 106 1993
5,479,532 Apparatus for reading magnetic information from a document having a read head mounted on a circuit board portion permitting resilient deflection 38 1993
 
HARTFORD FIRE INSURANCE COMPANY (1)
5,557,515 Computerized system and method for work management 328 1995
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 316 1998
 
ACS State & Local Solutions, Inc. (1)
6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 192 1998
 
Hipersoft Corp. (1)
6,098,070 Case management for a personal injury plaintiff's law office using a relational database 202 1998
 
INVENTIV HEALTH, INC. (1)
6,067,524 Method and system for automatically generating advisory information for pharmacy patients along with normally transmitted data 229 1999
 
Midwest Payment Systems (2)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 451 1994
5,956,700 System and method for paying bills and other obligations including selective payor and payee controls 390 1997
 
NCR CORPORATION (4)
4,617,457 Teller-assisted, customer-operated ATM document cashing system 267 1983
5,770,843 Access card for multiple accounts 359 1996
5,835,603 Financial transaction system 158 1996
5,751,842 Document transaction apparatus 250 1996
 
VALLEY NATIONAL BANK, PHOENIX, AZ A CORP. OF AZ (1)
5,198,975 Apparatus and method for processing of check batches in banking operations 115 1989
 
Electronique Serge Dassault (1)
4,992,646 Transaction system of the electronic purse type 150 1989
 
AMAZON.COM, INC. (1)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 618 1995
 
TradeCard, Inc. (1)
5,717,989 Full service trade system 674 1994
 
OL SECURITY LIMITED LIABILITY COMPANY (2)
6,088,683 Secure purchase transaction method using telephone number 334 1996
7,104,443 Method and system for facilitating electronic funds transactions 218 2002
 
J.D. CARREKER & ASSOCIATES, INC. (1)
5,819,236 System and method for providing advance notification of potential presentment returns due to account restrictions 170 1995
 
MASTERCARD INTERNATIONAL INCORPORATED (2)
5,692,132 System and method for conducting cashless transactions on a computer network 562 1995
5,699,528 System and method for bill delivery and payment over a communications network 1086 1995
 
VisaInternational Service Association (1)
6,032,133 Electronic bill pay system 409 1995
 
SAN MATEO INTERNET ASSOCIATES, INC. (1)
2001/0049,628 On-line system for aggregation of purchase bonuses 101 2001
 
COLLEGE SAVINGS BANK (1)
4,752,877 Method and apparatus for funding a future liability of uncertain cost 358 1986
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (3)
4,974,878 Financial data processing system using payment coupons 186 1988
4,948,174 Financial data processing system 306 1989
5,121,945 Financial data processing system 284 1990
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 350 1999
 
VAN REMORTAL, FRED (1)
5,136,502 System for funding, analyzing and managing health care liabilities 163 1991
 
BANK OF AMERICA CORPORATION (2)
6,016,482 Enhanced collateralized funding processor 334 1996
6,128,602 Open-architecture system for real-time consolidation of information from multiple financial systems 369 1998
 
YT ACQUISITION CORPORATION (1)
5,870,723 Tokenless biometric transaction authorization method and system 432 1996
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 440 1997
 
GOOGLE INC. (1)
5,513,250 Telephone based credit card protection 217 1994
 
The United States of America as represented by the Secretary of the Air Force (1)
5,963,292 Thermal tuft fluid flow investigation apparatus with a color alterable thermally responsive liquid crystal layer 1 1997
 
BMC Resources, Inc. (3)
5,652,786 Automated interactive bill payment system 282 1996
5,715,298 Automated interactive bill payment system using debit cards 219 1997
5,870,456 Automated interactive bill payment system using debit cards 251 1997
 
NYTELL SOFTWARE LLC (1)
6,138,118 Method and system for reconciling concurrent streams of transactions in a database 198 1998
 
TAGAWA, RICHARD S. (1)
* 5,732,398 Self-service system for selling travel-related services or products 428 1995
 
TELEFONAKTIEBOLAGET L M ERICSSON (PUBL) (1)
2002/0052,842 Initiation of an electronic payment transaction 103 2001
 
CASH BOX, INC. (1)
5,592,377 Check cashing system 246 1995
 
MOPEX, INC. (1)
6,088,685 Open end mutual fund securitization process 301 1998
 
GHR SYSTEMS, INC. (1)
6,233,566 System, method and computer program product for online financial products trading 543 1999
 
Gemplus Card International (1)
5,563,400 Multi-applications portable card for personal computer 208 1994
 
SCIENCE DYNAMICS CORPORATION (2)
4,797,913 Direct telephone dial ordering service 215 1987
5,023,904 Direct telephone dial ordering service 222 1989
 
CEDEL BANK (1)
5,802,499 Method and system for providing credit support to parties associated with derivative and other financial transactions 281 1995
 
Lewis, Woodson (1)
2003/0105,641 Electronic ticketing and validation system and method 143 2000
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (2)
6,405,173 Decision management system providing qualitative account/customer assessment via point in time simulation 205 1999
6,415,259 Automatic work progress tracking and optimizing engine for a telecommunications customer care and billing system 211 1999
 
Soverain Software LLC (1)
5,715,314 Network sales system 1317 1994
 
Adams, Viner and Mosler, Ltd. (1)
6,304,858 Method, system, and computer program product for trading interest rate swaps 321 1998
 
OPEN INVENTION NETWORK, LLC (1)
6,236,972 Method and apparatus for facilitating transactions on a commercial network system 407 1998
 
EBAY INC. (1)
6,035,281 System and method of multiparty billing for Web access 491 1997
 
ENVOY LLC (1)
5,832,447 Automated system and method for providing real-time verification of health insurance eligibility 236 1994
 
DIGIMARC CORPORATION (1)
2002/0170,966 Identification document including embedded data 132 2002
 
NIT Data Corporation (1)
6,185,544 Processing system for charge request data 79 1997
 
ACTUARIAL ANALYTICS L.L.C. (1)
5,784,696 Methods and apparatus for evaluating portfolios based on investment risk 219 1995
 
Solitron Devices, Inc. (1)
4,931,793 System for providing a warning when vehicles approach a common collision point 122 1988
 
STEVEN M. HOFFBERG 2004-1 GRAT (1)
2006/0200,258 Vehicular information system and method 25 2006
 
TTI INVENTIONS C LLC (1)
5,283,829 System and method for paying bills electronically 484 1992
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1792 1986
 
MELLON BANK, N.A. (1)
6,058,380 System and method for electronically processing invoice information 174 1995
 
Finmeccanica S.p.A. (1)
5,898,157 Automatic check reading device 101 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (2)
5,870,725 High volume financial image media creation and display system and method 310 1995
6,105,011 Security system and method for business transactions with customers 200 1998
 
CITIBANK, N.A. (7)
5,710,889 Interface device for electronically integrating global financial services 715 1995
5,659,165 Customer-directed, automated process for transferring funds between accounts via a communications network 347 1995
5,642,419 Method for acquiring and revalidating an electronic credential 299 1995
5,774,553 Foreign exchange transaction system 184 1996
6,088,686 System and method to performing on-line credit reviews and approvals 611 1996
6,081,790 System and method for secure presentment and payment over open networks 298 1998
6,098,053 System and method for performing an electronic financial transaction 499 1999
 
FIRST VIRTUAL HOLDINGS (1)
5,757,917 Computerized payment system for purchasing goods and services on the internet 818 1995
 
THE WESTERN UNION COMPANY (1)
5,350,906 Currency transfer system and method using fixed limit cards 513 1992
 
HITACHI, LTD. (1)
4,988,849 Financial transaction system 177 1988
 
RATEZE REMOTE MGMT. L.L.C. (1)
6,070,798 Purchaser generated transaction recording and negotiable instrument payment system 271 1997
 
FOLIO(FN), INC. (1)
6,338,047 Method and system for investing in a group of investments that are selected based on the aggregated, individual preference of plural investors 186 1999
 
ORACLE AMERICA, INC. (2)
5,884,288 Method and system for electronic bill payment 375 1996
6,073,113 Compatibility checking between instruments, operations and protocols in electronic commerce 132 1998
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
5,794,221 Internet billing method 380 1995
 
ORACLE INTERNATIONAL CORPORATION (1)
6,578,015 Methods, devices and systems for electronic bill presentment and payment 177 1999
 
5TH MARKET, INC. (1)
6,418,419 Automated system for conditional order transactions in securities or other items in commerce 398 1999
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 767 1995
 
PRICELINE.COM LLC (1)
6,108,639 Conditional purchase offer (CPO) management system for collectibles 304 1997
 
Sansho Seiyaku Co., Ltd. (1)
5,599,528 Preparation for epidermis 90 1994
 
DOWLEN, JOHN E. (1)
5,336,870 System for remote purchase payment transactions and remote bill payments 287 1992
 
IP-TPG HOLDCO S.A.R.L. (1)
5,572,004 Method for paying for services and/or goods and apparatus for carrying out the method 134 1995
 
CONNOTECH Experts-conseils, inc. (1)
5,590,196 Secure payment method using facsimile 304 1994
 
DIVERSITYPATENT, LLC (1)
5,819,238 Apparatus and accompanying methods for automatically modifying a financial portfolio through dynamic re-weighting based on a non-constant function of current capitalization weights 344 1996
 
INTER*ACT SYSTEMS, INCORPORATED (4)
5,237,620 Check reader method and system for reading check MICR code 240 1992
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 358 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 286 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 318 1995
 
LONGITUDE LLC (1)
6,321,212 Financial products having a demand-based, adjustable return, and trading exchange therefor 680 1999
 
CANON KABUSHIKI KAISHA (2)
6,144,946 Accounting device, communicating apparatus, and communication system 179 1997
6,009,442 Computer-based document management system 315 1997
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (8)
5,506,691 Method and apparatus for image processing at remote sites 218 1994
5,444,841 Graphical user interface control for replicating data fields in forms 111 1994
6,041,312 Object oriented technology framework for accounts receivable and accounts payable 131 1997
6,278,981 Computer-implemented method and apparatus for portfolio compression 269 1998
6,493,685 Electronic account presentation and response system and method 327 1999
6,374,235 Method, system, and program for a join operation on a multi-column table and satellite tables including duplicate values 97 1999
2002/0111,837 Verification method for web-delivered materials using self-signed certificates 92 2001
2003/0097,335 Secure method and system for determining charges and assuring privacy 75 2001
 
WYNN, SOL H. (1)
5,859,419 Programmable multiple company credit card system 457 1995
 
AT&T IPM CORP. (2)
5,479,494 Virtual calling card system 282 1992
5,708,422 Transaction authorization and alert system 499 1995
 
DST Systems Inc. (1)
2003/0225,663 Open platform system and method 123 2003
 
DUOCASH, INC. (1)
2001/0047,334 System and method for using existing prepaid card systems for making payments over the internet 89 2001
 
Bostec Systems, Inc. (1)
5,080,748 Card assembly apparatus 176 1990
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1046 1995
 
CHECKFREE SERVICES CORPORATION (1)
2002/0087,468 Electronic payment risk processing 150 2000
 
SOLOMON RESEARCH LLC (2)
2002/0069,134 System, method and apparatus for aggregation of cooperative intelligent agents for procurement in a distributed network 124 2001
2003/0233,305 System, method and apparatus for information collaboration between intelligent agents in a distributed network 93 2001
 
CHECKFREE CORPORATION (2)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 342 1995
6,289,322 Electronic bill processing 383 1998
 
AUTOSCRIBE CORPORATION (3)
5,504,677 Automated payment system 317 1992
5,727,249 Automated payment system and method 243 1996
6,041,315 Automated payment system and method 227 1997
 
Capital Security Systems, Inc. (2)
5,897,625 Automated document cashing system 438 1997
5,987,439 Automated banking system for making change on a card or user account 203 1997
 
FUJITSU LIMITED (1)
5,321,238 Banking apparatus for processing the bill and the check 200 1991
 
PRICELINE.COM INCORPORATED (1)
* 5,797,127 Method, apparatus, and program for pricing, selling, and exercising options to purchase airline tickets 412 1996
 
FIRST DATA CORPORATION (3)
5,679,938 Methods and systems for interactive check authorizations 320 1994
5,679,940 Transaction system with on/off line risk assessment 380 1995
6,490,568 Automated system and method for monitoring financial transactions 117 1999
 
ARBITOR, INC. (1)
2002/0138,398 Automated bandwidth exchange node system 86 2001
 
ONLINE RESOURCES & COMMUNICATIONS INC. (1)
5,220,501 Method and system for remote delivery of retail banking services 1455 1989
 
MORGAN STANLEY DEAN WITTER & CO. (1)
2002/0198,817 Method and apparatus for trading assets, capital, and information 81 2002
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,544,046 Numerical control unit 99 1992
 
Resource Technology Services, Inc. (1)
5,484,988 Checkwriting point of sale system 296 1994
 
SYBASE, INC. (1)
5,566,330 Method for forming a reusable and modifiable database interface object 269 1995
 
V-One Corporation (1)
5,590,197 Electronic payment system and method 860 1995
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (3)
5,835,899 System and method for deriving financial responsibility identification 85 1996
5,832,463 Automated system and method for checkless check transaction 321 1996
6,061,665 System, method and article of manufacture for dynamic negotiation of a network payment framework 307 1997
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 288 1994
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 251 1985
 
Omron Tateisi Electronics Co. (1)
4,396,985 Electronic cash register system for food dispensing business 183 1981
 
PLURIS SAVINGS NETWORK, LLC (1)
* 2004/0083,183 Financial transaction system with consumer reward and net settlement 25 2003
 
Phoenix Licensing, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 336 1997
 
AIRPORTAMERICA (1)
* 2003/0055,689 Automated internet based interactive travel planning and management system 183 2002
 
Paypal International Limited (1)
6,205,433 System and method for multi-currency transactions 206 1998
 
PAYPAL, INC. (2)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 855 1994
5,832,460 Method and system for bill presentation and payment reconciliation 351 1995
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 336 1993
 
BIG BABOON, INC. (1)
6,115,690 Integrated business-to-business Web commerce and business automation system 572 1997
 
JPMORGAN CHASE BANK, N.A. (10)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 273 1992
6,181,837 Electronic check image storage and retrieval system 210 1994
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 147 1995
6,006,208 MICR line decoding logic system 90 1998
6,227,447 Cardless payment system 430 1999
6,574,377 Electronic check image storage and retrieval system 218 1999
2003/0208,421 Electronic check presentment system and method having an item sequence capability 97 2000
2003/0208,441 Electronic bill presentment and payment system and method 113 2001
2002/0077,978 Method and system for processing internet payments 362 2001
2004/0122,736 System and method for granting promotional rewards to credit account holders 110 2003
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,748,780 Method and apparatus for imaging, image processing and data compression 253 1994
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
5,852,812 Billing system for a network 582 1995
6,070,150 Electronic bill presentment and payment system 454 1996
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 391 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 708 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 610 1997
 
Lykes Bros., Inc. (1)
5,666,493 System for managing customer orders and method of implementation 488 1993
 
CashEdge, Inc. (1)
2002/0091,635 Method and apparatus for managing transactions 173 2001
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,338,049 User-generated traveler's checks 96 1997
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 457 1995
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (1)
5,402,474 System, data processing method and program to provide a programmable interface between a workstation and an archive server to automatically store telephone transaction information 233 1994
 
MACROMARKETS LLC (1)
5,987,435 Proxy asset data processor 206 1997
 
SMALL VALUE PAYMENTS COMPANY, L.L.C., THE (1)
5,412,190 Electronic check presentment system having a return item notification system incorporated therein 215 1993
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 395 1993
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 376 1996
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 324 1997
 
Affiliated Computer Services, Inc. (1)
6,038,553 Self service method of and system for cashing checks 282 1997
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 314 1992
 
ERICSSON INC. (1)
6,088,381 System for transporting frequency hopping signals 52 1997
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 430 1993
 
PAXAR AMERICAS, INC. (1)
5,315,508 Label generating and data tracking system for processing purchase orders 179 1992
 
WANG SOFTWARE N.Y., INC. (2)
5,446,740 Method of and apparatus for processing data at a remote workstation 182 1993
5,568,489 Method and apparatus for processing data received at a remote workstation 184 1995
 
Carreker Corporation (3)
5,237,159 Electronic check presentment system 334 1991
5,532,464 Electronic check presentment system having a return item notification system incorporated therein 177 1995
6,301,379 Electronic check presentment systems and methods employing volatile memory datastore access techniques 108 1997
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 126 2001
 
Sigma Computer Research Associates Inc. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 403 1988
 
ECOVA, INC. (1)
6,035,285 Electronic bill presenting methods and bill consolidating methods 230 1999
 
ECTOLINK, LLC (1)
5,826,245 Providing verification information for a transaction 417 1995
 
BURROUGHS PAYMENT SYSTEMS, INC. (1)
5,225,978 Document processing system having integrated expert module 156 1989
 
UNITED PAN-EUROPE COMMUNICATIONS N.V. (1)
2002/0199,182 Method and apparatus providing convergent solution to end-to end, adaptive business application management 114 2001
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 428 1997
 
MONEYFAX, INC. (1)
5,122,950 Method of and system for electronic funds transfer via facsimile machines 172 1989
 
AT&T CORP. (3)
5,373,550 Transmission of check images by way of a public switched telephone network 301 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 188 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 224 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
U.S. BANK NATIONAL ASSOCIATION (17)
* 2009/0144,194 COMPUTER AUTOMATED SYSTEMS, DEVICES AND METHODS FOR DATA PROCESSING OF ACCOUNTING RECORDS 5 2008
9,367,839 Disparate network systems and methods 0 2008
9,251,510 Buyer routing arrangements and methods for disparate network systems 0 2008
9,147,184 Control system arrangements and methods for disparate network systems 0 2008
* 2009/0150,266 Buyer Routing Arrangements and Methods for Disparate Network Systems 8 2008
* 2009/0150,254 SYSTEMS, DEVICES AND METHODS FOR COMPUTER AUTOMATED ASSISTANCE FOR DISPARATE NETWORKS AND INTERNET INTERFACES 1 2008
* 2009/0144,163 Disparate Network Systems and Methods 4 2008
* 2009/0144,170 Buyer-Seller Interfaces and Methods for Disparate Network Systems 3 2008
* 2009/0144,165 Seller Routing Arrangements and Methods for Disparate Network Systems 2 2008
8,682,760 Methods and devices for savings participation 0 2009
* 2010/0299,186 METHODS AND DEVICES FOR SAVINGS PARTICIPATION 0 2009
9,141,948 Control system arrangements and methods for disparate network systems 0 2010
8,255,330 Overdraft protection and forgiveness 2 2010
* 2011/0071,892 CONTROL SYSTEM ARRANGEMENTS AND METHODS FOR DISPARATE NETWORK SYSTEMS 1 2010
8,606,714 Flexible account management for customer transactions and overdrafts 0 2012
8,429,079 Overdraft protection and forgiveness 2 2012
8,762,277 Overdraft protection and forgiveness 0 2013
 
BANK OF AMERICA CORPORATION (1)
* 2015/0199,660 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 0 2014
 
FIRST DATA CORPORATION (8)
* 8,566,239 Mobile commerce systems and methods 1 2007
9,154,477 Systems and methods for encrypting mobile device communications 0 2012
9,106,632 Provisioning by delivered items 0 2012
9,106,633 Systems and methods for authenticating mobile device communications 0 2012
9,059,980 Systems and methods for authenticating mobile devices 0 2012
* 8,775,305 Card-present on-line transactions 6 2012
* 2012/0317,019 Card-Present On-Line Transactions 9 2012
9,331,996 Systems and methods for identifying devices by a trusted service manager 0 2014
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Oct 20, 2017
11.5 Year Payment $7400.00 $3700.00 $1850.00 Oct 20, 2021
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