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, NY1918
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 20 135

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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Other [Check patent profile for assignment information] (26)
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2002/0107,770 System for allocating funds in a plurality of stock portfolios 91 2000
* 2001/0016,825 Electronic ticketing and reservation system and method 101 2001
2001/0049,636 System and method for wireless purchases of goods and services 243 2001
2002/0013,728 Universal transaction manager agent, systems and methods 164 2001
2003/0046,218 System and method for protecting positions in volatile markets 124 2001
2005/0033,690 System and method for digital bill presentment and payment 113 2004
* 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 (2)
* 8,566,239 Mobile commerce systems and methods 0 2007
* 8,775,305 Card-present on-line transactions 1 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