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

2 Status Updates

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, NATIONAL ASSOCIATIONNEW YORK, NY1951
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 19 140

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 90 1983
4,700,055 Multiple credit card system 343 1985
4,823,264 Electronic funds transfer system 582 1986
5,053,607 Point-of-sale device particularly adapted for processing checks 361 1989
5,111,395 Automated fund collection system including means to eliminate duplicate entries from a mailing list 140 1989
5,432,506 Counterfeit document detection system 112 1992
5,326,959 Automated customer initiated entry remittance processing system 382 1992
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 316 1994
5,477,040 Structure for a method of facilitating charge transactions 254 1994
5,544,040 System for management of common purchase operations for goods and services 178 1994
6,073,104 System for invoice record management and asset-backed commercial paper program management 193 1994
5,802,498 Computer-aided prepaid transmittal charge billing system 184 1996
6,110,044 Method and apparatus for issuing and automatically validating gaming machine payout tickets 179 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 262 1997
6,129,273 Method and apparatus for an automated, computer approved, check cashing system 144 1998
6,721,715 Method and apparatus for localizing currency valuation independent of the original and objective currencies 164 1998
5,987,436 Obligated investment system 128 1999
* 6,910,628 Travel system and methods utilizing multi-application airline passenger cards 49 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 103 2001
2001/0049,636 System and method for wireless purchases of goods and services 280 2001
2002/0013,728 Universal transaction manager agent, systems and methods 174 2001
2003/0046,218 System and method for protecting positions in volatile markets 131 2001
2005/0033,690 System and method for digital bill presentment and payment 118 2004
 
GLOBAL EXPRESS MONEY ORDERS, INC. (1)
6,119,106 Method and apparatus for facilitating customer payments to creditors from a remote site 242 1997
 
VERIFONE, INC. (1)
* 2004/0019,564 System and method for payment transaction authentication 179 2002
 
The Pugliese Company (1)
* 6,094,640 Electronic ticketing and reservation system and method 106 1997
 
FBS CARD SERVICES, INC. (1)
5,910,896 Shipment transaction system and an arrangement thereof 201 1996
 
CONEXANT SYSTEMS UK LIMITED (1)
6,111,858 Proxy-controlled ATM subnetwork 176 1997
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 252 1998
 
VISA INTERNATIONAL SERVICE ASSOCIATION (5)
4,812,628 Transaction system with off-line risk assessment 410 1987
5,465,206 Electronic bill pay system 778 1993
5,703,344 Electronic funds confirmation at point of transaction 339 1995
5,621,201 Automated purchasing control system 422 1996
5,963,925 Electronic statement presentment system 437 1997
 
Voith Sulzer Papiermaschinen GmbH (1)
5,823,463 Wound roll support in a web winding machine 28 1997
 
SONY ELECTRONICS INC. (1)
* 2003/0220,841 Method and system for merchant-to-merchant referrals and item brokering 25 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 296 1993
 
GILBERT, JAMES A. (1)
2003/0018,557 Financial processing gateway structure 98 2002
 
HYPION NETWORK SRVC, LLC (1)
6,058,381 Many-to-many payments system for network content materials 250 1997
 
EXECUTONE INTER-TELBUSINESS INFORMATION SYSTEMS, INC. (1)
5,793,861 Transaction processing system and method 280 1996
 
LEXISNEXIS RISK SOLUTIONS GA INC. (1)
5,832,464 System and method for efficiently processing payments via check and electronic funds transfer 208 1996
 
DECISIONING.COM, INC. (1)
5,870,721 System and method for real time loan approval 689 1996
 
SHORE DEARY, L.L.P. (1)
6,032,137 Remote image capture with centralized processing and storage 351 1998
 
SQN (1)
5,444,794 Check image capture system 256 1993
 
INFORMATION RETRIEVAL CONSULTANTS (WORLDWIDE HOLDINGS) LIMITED (1)
6,052,674 Electronic invoicing and collection system and method with charity donations 219 1997
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 410 1990
 
HUNTINGTON NATIONAL BANK, THE (1)
5,583,759 Mechanism for expediting the deposit, transport and submission of checks into the payment system 199 1995
 
C.H.I. DEVELOPMENT MGMT. LTD. XVII, LLC (1)
6,035,287 Method and apparatus for bundled asset trading 392 1997
 
JSW INVESTMENTS LLC (1)
2003/0149,632 Method and system for processing payments for remotely purchased goods 7 2001
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 197 2003
 
ATC REALTY FIFTEEN, INC. (1)
6,149,056 Automatic check cashing using biometric identification verification 242 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 177 1998
 
bielomatik Leuze GmbH + Co. (1)
5,823,464 Device for guiding ply webs of paper or the like 14 1997
 
SIGNATURE SYSTEMS LLC (1)
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points 195 2004
 
Capitol Cities/ABC, Inc. (1)
5,396,417 Product distribution equipment and method 181 1991
 
CHASE MANHATTAN BANK, THE (4)
5,963,659 Method and apparatus for correcting erroneously decoded magnetic ink characters 105 1995
6,609,125 Funds transfer repair system 116 1999
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 470 2000
6,704,714 Virtual private lock box 220 2000
 
HEWLETT-PACKARD COMPANY (1)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 321 1990
 
WILMINGTON TRUST, NATIONAL ASSOCIATION, AS ADMINISTRATIVE AGENT (2)
5,640,577 Data processing system with automated at least partial forms completion 362 1995
5,724,424 Digital active advertising 1038 1995
 
CAPITAL ONE FINANCIAL CORPORATION (1)
5,583,760 System for establishing and administering funded and post-funded charge accounts 130 1994
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (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 300 1996
6,061,665 System, method and article of manufacture for dynamic negotiation of a network payment framework 302 1997
 
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
 
SUN MICROSYSTEMS, INC. (2)
5,884,288 Method and system for electronic bill payment 369 1996
6,073,113 Compatibility checking between instruments, operations and protocols in electronic commerce 130 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 249 1994
 
ACCENTURE GLOBAL SERVICES LIMITED (1)
5,592,378 Computerized order entry system and method 427 1994
 
OFFICIAL PAYMENTS CORPORATION (1)
6,202,054 Method and system for remote delivery of retail banking services 419 1998
 
GROUP 1 SOFTWARE, INC. (1)
6,078,907 Method and system for electronically presenting and paying bills 288 1998
 
TILLICOMB INTERNATIONAL LDC (2)
5,367,581 Magnetic reader with read head biased against document by resilient deflection of circuit board 102 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 36 1993
 
HARTFORD FIRE INSURANCE COMPANY (1)
5,557,515 Computerized system and method for work management 306 1995
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 309 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 187 1998
 
Hipersoft Corp. (1)
6,098,070 Case management for a personal injury plaintiff's law office using a relational database 200 1998
 
INVENTIV HEALTH, INC. (1)
6,067,524 Method and system for automatically generating advisory information for pharmacy patients along with normally transmitted data 226 1999
 
Midwest Payment Systems (2)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 438 1994
5,956,700 System and method for paying bills and other obligations including selective payor and payee controls 379 1997
 
NCR CORPORATION (4)
4,617,457 Teller-assisted, customer-operated ATM document cashing system 258 1983
5,770,843 Access card for multiple accounts 351 1996
5,835,603 Financial transaction system 155 1996
5,751,842 Document transaction apparatus 232 1996
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 207 2002
 
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
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1410 1989
 
Electronique Serge Dassault (1)
4,992,646 Transaction system of the electronic purse type 148 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 596 1995
 
TRADECARD, INC. (1)
5,717,989 Full service trade system 660 1994
 
J.D. CARREKER & ASSOCIATES, INC. (1)
5,819,236 System and method for providing advance notification of potential presentment returns due to account restrictions 160 1995
 
MASTERCARD INTERNATIONAL INCORPORATED (2)
5,692,132 System and method for conducting cashless transactions on a computer network 549 1995
5,699,528 System and method for bill delivery and payment over a communications network 1042 1995
 
VisaInternational Service Association (1)
6,032,133 Electronic bill pay system 402 1995
 
SAN MATEO INTERNET ASSOCIATES, INC. (1)
2001/0049,628 On-line system for aggregation of purchase bonuses 95 2001
 
COLLEGE SAVINGS BANK (1)
4,752,877 Method and apparatus for funding a future liability of uncertain cost 357 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 299 1989
5,121,945 Financial data processing system 283 1990
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 346 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 329 1996
6,128,602 Open-architecture system for real-time consolidation of information from multiple financial systems 351 1998
 
YT ACQUISITION CORPORATION (1)
5,870,723 Tokenless biometric transaction authorization method and system 393 1996
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 432 1997
 
GOOGLE INC. (1)
5,513,250 Telephone based credit card protection 208 1994
 
AIR FORCE, UNITED STATES (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 279 1996
5,715,298 Automated interactive bill payment system using debit cards 216 1997
5,870,456 Automated interactive bill payment system using debit cards 241 1997
 
TAGAWA, RICHARD S. (1)
* 5,732,398 Self-service system for selling travel-related services or products 412 1995
 
TELEFONAKTIEBOLAGET L M ERICSSON (PUBL) (1)
2002/0052,842 Initiation of an electronic payment transaction 101 2001
 
WALENBRECK GMBH, LLC (1)
6,088,683 Secure purchase transaction method using telephone number 323 1996
 
CASH BOX, INC. (1)
5,592,377 Check cashing system 236 1995
 
Mopex, Inc. (1)
6,088,685 Open end mutual fund securitization process 299 1998
 
GHR SYSTEMS, INC. (1)
6,233,566 System, method and computer program product for online financial products trading 509 1999
 
Gemplus Card International (1)
5,563,400 Multi-applications portable card for personal computer 204 1994
 
SCIENCE DYNAMICS CORPORATION (2)
4,797,913 Direct telephone dial ordering service 212 1987
5,023,904 Direct telephone dial ordering service 218 1989
 
CEDEL BANK (1)
5,802,499 Method and system for providing credit support to parties associated with derivative and other financial transactions 279 1995
 
Lewis, Woodson (1)
2003/0105,641 Electronic ticketing and validation system and method 131 2000
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (2)
6,405,173 Decision management system providing qualitative account/customer assessment via point in time simulation 193 1999
6,415,259 Automatic work progress tracking and optimizing engine for a telecommunications customer care and billing system 200 1999
 
SOVERAIN SOFTWARE LLC (1)
5,715,314 Network sales system 1269 1994
 
Adams, Viner and Mosler, Ltd. (1)
6,304,858 Method, system, and computer program product for trading interest rate swaps 318 1998
 
OPEN INVENTION NETWORK, LLC (1)
6,236,972 Method and apparatus for facilitating transactions on a commercial network system 403 1998
 
EBAY INC. (1)
6,035,281 System and method of multiparty billing for Web access 441 1997
 
ENVOY LLC (1)
5,832,447 Automated system and method for providing real-time verification of health insurance eligibility 232 1994
 
DIGIMARC CORPORATION (1)
2002/0170,966 Identification document including embedded data 131 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 15 2006
 
TTI INVENTIONS C LLC (2)
5,283,829 System and method for paying bills electronically 475 1992
6,138,118 Method and system for reconciling concurrent streams of transactions in a database 187 1998
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1751 1986
 
MELLON BANK, N.A., AS COLLATERAL AGENT (1)
6,058,380 System and method for electronically processing invoice information 170 1995
 
FINMECCANICA S.P.A. (1)
5,898,157 Automatic check reading device 94 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (2)
5,870,725 High volume financial image media creation and display system and method 290 1995
6,105,011 Security system and method for business transactions with customers 195 1998
 
CITIBANK, N.A. (7)
5,710,889 Interface device for electronically integrating global financial services 697 1995
5,659,165 Customer-directed, automated process for transferring funds between accounts via a communications network 340 1995
5,642,419 Method for acquiring and revalidating an electronic credential 287 1995
5,774,553 Foreign exchange transaction system 181 1996
6,088,686 System and method to performing on-line credit reviews and approvals 588 1996
6,081,790 System and method for secure presentment and payment over open networks 292 1998
6,098,053 System and method for performing an electronic financial transaction 489 1999
 
FIRST VIRTUAL HOLDINGS (1)
5,757,917 Computerized payment system for purchasing goods and services on the internet 800 1995
 
TOSTECKI BROS. L.L.C. (1)
6,070,798 Purchaser generated transaction recording and negotiable instrument payment system 264 1997
 
THE WESTERN UNION COMPANY (1)
5,350,906 Currency transfer system and method using fixed limit cards 489 1992
 
HITACHI, LTD. (1)
4,988,849 Financial transaction system 170 1988
 
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 185 1999
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
5,794,221 Internet billing method 370 1995
 
ORACLE INTERNATIONAL CORPORATION (1)
6,578,015 Methods, devices and systems for electronic bill presentment and payment 175 1999
 
5TH MARKET, INC. (1)
6,418,419 Automated system for conditional order transactions in securities or other items in commerce 394 1999
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 751 1995
 
PRICELINE.COM LLC (1)
6,108,639 Conditional purchase offer (CPO) management system for collectibles 301 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 277 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 133 1995
 
CONNOTECH Experts-conseils, inc. (1)
5,590,196 Secure payment method using facsimile 282 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 339 1996
 
INTER*ACT SYSTEMS, INCORPORATED (4)
5,237,620 Check reader method and system for reading check MICR code 239 1992
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 354 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 285 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 313 1995
 
LONGITUDE LLC (1)
6,321,212 Financial products having a demand-based, adjustable return, and trading exchange therefor 674 1999
 
CANON KABUSHIKI KAISHA (2)
6,144,946 Accounting device, communicating apparatus, and communication system 170 1997
6,009,442 Computer-based document management system 302 1997
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (8)
5,506,691 Method and apparatus for image processing at remote sites 210 1994
5,444,841 Graphical user interface control for replicating data fields in forms 108 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 266 1998
6,493,685 Electronic account presentation and response system and method 314 1999
6,374,235 Method, system, and program for a join operation on a multi-column table and satellite tables including duplicate values 95 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 440 1995
 
AT&T IPM CORP. (2)
5,479,494 Virtual calling card system 276 1992
5,708,422 Transaction authorization and alert system 476 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 174 1990
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1012 1995
 
CHECKFREE SERVICE 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 123 2001
2003/0233,305 System, method and apparatus for information collaboration between intelligent agents in a distributed network 91 2001
 
CheckFree Corporation (2)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 336 1995
6,289,322 Electronic bill processing 372 1998
 
AUTOSCRIBE CORPORATION (3)
5,504,677 Automated payment system 305 1992
5,727,249 Automated payment system and method 240 1996
6,041,315 Automated payment system and method 225 1997
 
Capital Security Systems, Inc. (2)
5,897,625 Automated document cashing system 392 1997
5,987,439 Automated banking system for making change on a card or user account 193 1997
 
FUJITSU LIMITED (1)
5,321,238 Banking apparatus for processing the bill and the check 193 1991
 
PRICELINE.COM INCORPORATED (1)
* 5,797,127 Method, apparatus, and program for pricing, selling, and exercising options to purchase airline tickets 406 1996
 
FIRST DATA CORPORATION (3)
5,679,938 Methods and systems for interactive check authorizations 302 1994
5,679,940 Transaction system with on/off line risk assessment 368 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 84 2001
 
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 98 1992
 
Resource Technology Services, Inc. (1)
5,484,988 Checkwriting point of sale system 286 1994
 
SYBASE, INC. (1)
5,566,330 Method for forming a reusable and modifiable database interface object 262 1995
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 843 1995
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 281 1994
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 245 1985
 
OMRON TATEISI ELECTRONICS CO. (1)
4,396,985 Electronic cash register system for food dispensing business 179 1981
 
PLURIS SAVINGS NETWORK, LLC (1)
* 2004/0083,183 Financial transaction system with consumer reward and net settlement 24 2003
 
PHOENIX LICENSING, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 332 1997
 
AIRPORTAMERICA (1)
* 2003/0055,689 Automated internet based interactive travel planning and management system 164 2002
 
PAYPAL INTERNATIONAL LIMITED (1)
6,205,433 System and method for multi-currency transactions 202 1998
 
PAYPAL, INC. (2)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 826 1994
5,832,460 Method and system for bill presentation and payment reconciliation 341 1995
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 333 1993
 
BIG BABOON, INC. (1)
6,115,690 Integrated business-to-business Web commerce and business automation system 542 1997
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (10)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 268 1992
6,181,837 Electronic check image storage and retrieval system 193 1994
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 144 1995
6,006,208 MICR line decoding logic system 90 1998
6,227,447 Cardless payment system 418 1999
6,574,377 Electronic check image storage and retrieval system 185 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 112 2001
2002/0077,978 Method and system for processing internet payments 341 2001
2004/0122,736 System and method for granting promotional rewards to credit account holders 103 2003
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,748,780 Method and apparatus for imaging, image processing and data compression 234 1994
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
5,852,812 Billing system for a network 565 1995
6,070,150 Electronic bill presentment and payment system 442 1996
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 381 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 686 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 594 1997
 
Lykes Bros., Inc. (1)
5,666,493 System for managing customer orders and method of implementation 479 1993
 
CASHEDGE, INC. (1)
2002/0091,635 Method and apparatus for managing transactions 171 2001
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,338,049 User-generated traveler's checks 95 1997
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 448 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 225 1994
 
MACROMARKETS LLC (1)
5,987,435 Proxy asset data processor 205 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 206 1993
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 388 1993
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 371 1996
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 317 1997
 
AFFILIATED COMPUTER SERVICES, INC. (1)
6,038,553 Self service method of and system for cashing checks 260 1997
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 302 1992
 
ERICSSON INC. (1)
6,088,381 System for transporting frequency hopping signals 39 1997
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 427 1993
 
PAXAR AMERICAS, INC. (1)
5,315,508 Label generating and data tracking system for processing purchase orders 178 1992
 
WANG SOFTWARE N.Y., INC. (2)
5,446,740 Method of and apparatus for processing data at a remote workstation 177 1993
5,568,489 Method and apparatus for processing data received at a remote workstation 180 1995
 
CARD VERIFICATION SOLUTIONS, LLC (1)
5,826,245 Providing verification information for a transaction 411 1995
 
CARREKER CORPORATION (3)
5,237,159 Electronic check presentment system 317 1991
5,532,464 Electronic check presentment system having a return item notification system incorporated therein 170 1995
6,301,379 Electronic check presentment systems and methods employing volatile memory datastore access techniques 107 1997
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 122 2001
 
Sigma Computer Research Associates Inc. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 402 1988
 
ECOVA, INC. (1)
6,035,285 Electronic bill presenting methods and bill consolidating methods 223 1999
 
BURROUGHS PAYMENT SYSTEMS, INC. (1)
5,225,978 Document processing system having integrated expert module 155 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 109 2001
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 416 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 281 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 187 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 221 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
U.S. BANK NATIONAL ASSOCIATION, AS SUCCESSOR CORPORATE TRUSTEE TO STATE STREET BANK AND TRUST COMPANY, N.A. (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
 
BANK OF AMERICA CORPORATION (1)
* 2015/0199,660 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 0 2014
 
FIRST DATA CORPORATION (6)
* 8,566,239 Mobile commerce systems and methods 0 2007
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 4 2012
* 2012/0317,019 Card-Present On-Line Transactions 6 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