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

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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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.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1936
U.S. BANCORP LICENSING, INC.MINNEAPOLIS, MN4

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dickelman, Mark 311 W. Monroe St., Chicago, IL 60606 20 139

Cited Art Landscape

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6,044,362 Electronic invoicing and payment system 413 1997
 
MONEYFAX, INC. (1)
5,122,950 Method of and system for electronic funds transfer via facsimile machines 169 1989
 
AT&T CORP. (3)
5,373,550 Transmission of check images by way of a public switched telephone network 279 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 185 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 216 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (5)
8,682,760 Methods and devices for savings participation 0 2009
8,255,330 Overdraft protection and forgiveness 2 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
 
FIRST DATA CORPORATION (3)
* 8,566,239 Mobile commerce systems and methods 0 2007
* 8,775,305 Card-present on-line transactions 1 2012
* 2012/0317,019 Card-Present On-Line Transactions 3 2012
* 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