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

1 Status Updates

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ATTORNEY / AGENT: (SPONSORED)
 

Importance

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Abstract

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, NY1855
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 311 W. Monroe St., Chicago, IL 60606 16 71

Cited Art

Patent Info (Count) # Cites Year
 
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5,987,436 Obligated investment system 96 1999
6,910,628 Travel system and methods utilizing multi-application airline passenger cards 29 2000
2001/0037,250 Method and apparatus for selling international travel tickets in combination with duty free goods 17 2000
2002/0107,770 System for allocating funds in a plurality of stock portfolios 71 2000
2001/0016,825 Electronic ticketing and reservation system and method 74 2001
2001/0049,636 System and method for wireless purchases of goods and services 148 2001
2002/0013,728 Universal transaction manager agent, systems and methods 115 2001
2003/0046,218 System and method for protecting positions in volatile markets 89 2001
2005/0033,690 System and method for digital bill presentment and payment 84 2004

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (2)
8,255,330 Overdraft protection and forgiveness 0 2010
8,429,079 Overdraft protection and forgiveness 0 2012

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Oct 20, 2013
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 - 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