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, NY1957
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 Inverness, US 19 186

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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AT&T CORP. (3)
5,373,550 Transmission of check images by way of a public switched telephone network 304 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 189 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 226 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
U.S. BANK NATIONAL ASSOCIATION (18)
* 2009/0144,194 COMPUTER AUTOMATED SYSTEMS, DEVICES AND METHODS FOR DATA PROCESSING OF ACCOUNTING RECORDS 6 2008
9,367,839 Disparate network systems and methods 0 2008
9,251,510 Buyer routing arrangements and methods for disparate network systems 0 2008
9,147,184 Control system arrangements and methods for disparate network systems 0 2008
* 2009/0150,266 Buyer Routing Arrangements and Methods for Disparate Network Systems 8 2008
* 2009/0150,254 SYSTEMS, DEVICES AND METHODS FOR COMPUTER AUTOMATED ASSISTANCE FOR DISPARATE NETWORKS AND INTERNET INTERFACES 2 2008
* 2009/0144,163 Disparate Network Systems and Methods 4 2008
* 2009/0144,170 Buyer-Seller Interfaces and Methods for Disparate Network Systems 3 2008
* 2009/0144,165 Seller Routing Arrangements and Methods for Disparate Network Systems 2 2008
* 2009/0144,166 Control System Arrangements and Methods for Disparate Network Systems 6 2008
8,682,760 Methods and devices for savings participation 0 2009
* 2010/0299,186 METHODS AND DEVICES FOR SAVINGS PARTICIPATION 1 2009
9,141,948 Control system arrangements and methods for disparate network systems 0 2010
8,255,330 Overdraft protection and forgiveness 2 2010
* 2011/0071,892 CONTROL SYSTEM ARRANGEMENTS AND METHODS FOR DISPARATE NETWORK SYSTEMS 1 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
 
U.B. BANK NATIONAL ASSOCIATION (1)
9,424,562 Profile-based arrangements and methods for disparate network systems 0 2008
 
BANK OF AMERICA CORPORATION (1)
* 2015/0199,660 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 0 2014
 
FIRST DATA CORPORATION (9)
* 8,566,239 Mobile commerce systems and methods 1 2007
* 2008/0208,744 MOBILE COMMERCE SYSTEMS AND METHODS 58 2007
9,154,477 Systems and methods for encrypting mobile device communications 0 2012
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 6 2012
* 2012/0317,019 Card-Present On-Line Transactions 9 2012
9,331,996 Systems and methods for identifying devices by a trusted service manager 0 2014
* Cited By Examiner

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