System and method for conversion of initial transaction to final transaction

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7702553
SERIAL NO

12132312

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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, NY2024
U.S. BANCORP LICENSING, INC.MINNEAPOLIS, MN4

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dickelman, Mark Inverness, US 21 242

Cited Art Landscape

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8255330 Overdraft protection and forgiveness 2 2010
* 2011/0071,892 CONTROL SYSTEM ARRANGEMENTS AND METHODS FOR DISPARATE NETWORK SYSTEMS 10 2010
8606714 Flexible account management for customer transactions and overdrafts 1 2012
8429079 Overdraft protection and forgiveness 4 2012
8762277 Overdraft protection and forgiveness 0 2013
9881131 Computer automated systems, devices and methods for data processing of accounting records 0 2016
 
U.B. BANK NATIONAL ASSOCIATION (1)
9424562 Profile-based arrangements and methods for disparate network systems 1 2008
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
9680942 Data verification using access device 1 2015
 
BANK OF AMERICA CORPORATION (1)
* 2015/0199,660 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 2 2014
 
FIRST DATA CORPORATION (9)
* 8566239 Mobile commerce systems and methods 4 2007
* 2008/0208,744 MOBILE COMMERCE SYSTEMS AND METHODS 77 2007
9154477 Systems and methods for encrypting mobile device communications 0 2012
9106632 Provisioning by delivered items 0 2012
9106633 Systems and methods for authenticating mobile device communications 0 2012
9059980 Systems and methods for authenticating mobile devices 1 2012
* 8775305 Card-present on-line transactions 6 2012
* 2012/0317,019 Card-Present On-Line Transactions 11 2012
9331996 Systems and methods for identifying devices by a trusted service manager 3 2014
* Cited By Examiner

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