US Patent No: 7,739,168
Number of patents in Portfolio can not be more than 2000
Transfer instrument
Stats
-
Jun 15, 2010
Issued date -
Jan 20, 2006
filing date -
11/336,533
serial no -
In Force
status
Importance
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Abstract
A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national card account to the recipient of the certificate, the certificate having been purchased by a purchaser, who is not also the recipient, and containing all information necessary for the purchase of goods or services from any merchant who is capable of processing economic transactions involving one of the plurality national card accounts for which a physical card has issued, but without presentment of the physical card.
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First Claim
Related Publications
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International Classification(s)
- [Classification Symbol]
- [Patents Count]
Cited Art
| Patent Info | (Count) | # Cites | Year |
|---|---|---|---|
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| 5,276,736 Optionally moderated transaction systems | 84 | 1992 | |
| 5,373,558 Desinated-confirmer signature systems | 66 | 1993 | |
| 5,434,919 Compact endorsement signature systems | 76 | 1994 | |
| 5,712,913 Limited-traceability systems | 46 | 1994 | |
| 5,493,614 Private signature and proof systems | 41 | 1994 | |
| 6,434,238 Multi-purpose transaction card system | 75 | 1997 | |
| 5,781,631 Limited-traceability systems | 15 | 1997 | |
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| 5,453,601 Electronic-monetary system | 604 | 1991 | |
| 5,557,518 Trusted agents for open electronic commerce | 727 | 1994 | |
| 5,642,419 Method for acquiring and revalidating an electronic credential | 229 | 1995 | |
| 6,081,790 System and method for secure presentment and payment over open networks | 220 | 1998 | |
| 7,010,512 Transfer instrument | 60 | 1998 | |
| 2006/0116,960 Transfer instrument | 18 | 2006 | |
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| 2007/0214,079 System and method for providing a financial transaction instrument with user-definable authorization criteria | 11 | 2005 | |
| 2007/0198,402 System and method for transferring a financial transaction account according to predetermined criteria | 6 | 2005 | |
| 2008/0162,255 SYSTEM AND METHOD FOR PRESENTING A COMPETITIVE COMPARISON OF A RECOMMENDED OR CUSTOM CARD | 4 | 2006 | |
| 2008/0162,256 SYSTEM AND METHOD FOR PROFILING CONSUMERS AND CREATING A RECOMMENDED OR CUSTOMER CARD | 3 | 2006 | |
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| 5,420,926 Anonymous credit card transactions | 128 | 1994 | |
| 5,914,472 Credit card spending authorization control system | 351 | 1997 | |
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| 5,768,385 Untraceable electronic cash | 129 | 1995 | |
| 5,883,810 Electronic online commerce card with transactionproxy number for online transactions | 557 | 1997 | |
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| 5,350,906 Currency transfer system and method using fixed limit cards | 390 | 1992 | |
| 2007/0187,488 Presentation instrument package arrangement | 8 | 2006 | |
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| 5,175,416 Funds transfer system | 315 | 1991 | |
| 5,477,038 Method and apparatus for distributing currency | 345 | 1993 | |
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| 6,175,823 Electronic gift certificate system | 125 | 1998 | |
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| 5,991,380 Universal telecommunications services account | 70 | 1997 | |
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| 5,715,298 Automated interactive bill payment system using debit cards | 164 | 1997 | |
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| 2007/0125,838 Electronic wallet management | 15 | 2006 | |
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| 5,893,080 Disbursement system and method | 133 | 1995 | |
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| 7,010,152 Radiographic image composition and use | 7 | 2002 | |
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| 4,305,059 Modular funds transfer system | 166 | 1980 | |
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| 5,757,917 Computerized payment system for purchasing goods and services on the internet | 655 | 1995 | |
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| 6,078,907 Method and system for electronically presenting and paying bills | 225 | 1998 | |
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| 5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument | 454 | 1996 | |
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| 5,875,437 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing | 462 | 1997 | |
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| 7,363,265 Method and system for ubiquitous enablement of electronic currency | 19 | 2001 | |
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| 5,815,577 Methods and apparatus for securely encrypting data in conjunction with a personal computer | 88 | 1997 | |
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| 5,712,914 Digital certificates containing multimedia data extensions | 93 | 1995 | |
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| 6,047,265 Online gift-presentation system including, a server system, terminal equipment, a gift-presenting method, and a computer-readable recording medium | 14 | 1998 | |
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| 5,842,185 Method and system for electronically tracking financial transactions | 81 | 1994 | |
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| 5,699,528 System and method for bill delivery and payment over a communications network | 826 | 1995 | |
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| 4,960,981 Method of and system for electronic funds transfer via facsimile machines | 159 | 1989 | |
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| 5,426,594 Electronic greeting card store and communication system | 259 | 1993 | |
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| 2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS | 100 | 1999 | |
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| 5,671,279 Electronic commerce using a secure courier system | 509 | 1995 | |
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| 4,977,595 Method and apparatus for implementing electronic cash | 180 | 1990 | |
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| 5,663,547 Method of fund-raising with a keyless contribution and gift commitment management device | 59 | 1995 | |
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| 5,796,841 Secure user certification for electronic commerce employing value metering system | 135 | 1995 | |
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| 2007/0063,024 Dual macro- and micro-payment card system | 3 | 2006 | |
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| 2006/0020,542 Method and system for processing financial transactions | 31 | 2004 | |
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| 5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card | 290 | 1997 | |
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| 5,884,288 Method and system for electronic bill payment | 288 | 1996 | |
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| 5,469,497 Networked interactive call management subsystems with prevention of simultaneous use of a single account number | 127 | 1994 | |
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| 5,956,391 Billing in the internet | 184 | 1997 | |
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| 6,044,360 Third party credit card | 247 | 1997 | |
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| 5,636,346 Method and system for selectively targeting advertisements and programming | 410 | 1994 | |
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| 5,956,700 System and method for paying bills and other obligations including selective payor and payee controls | 271 | 1997 | |
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| 6,032,133 Electronic bill pay system | 291 | 1995 | |
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| 6,193,155 Method and apparatus for issuing and managing gift certificates | 126 | 1997 | |
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| 5,442,567 Apparatus and method for electronically dispensing personalized greeting cards and gifts | 98 | 1993 | |
| 5,513,117 Apparatus and method for electronically dispensing personalized greeting cards and gifts | 369 | 1995 | |
| 5,729,594 On-line secured financial transaction system through electronic media | 268 | 1996 | |
| 5,750,972 Document for conducting electronic financial transactions | 30 | 1996 | |
| 5,953,710 Children's credit or debit card system | 460 | 1996 | |
| 5,984,180 Method and system for gift credit card | 152 | 1997 | |
| 2001/0001,856 Prepaid cash equivalent card and system | 76 | 2001 | |
| 2002/0007,351 Digital tokens and system and method relating to digital tokens | 21 | 2001 | |
| 2006/0213,985 METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES | 14 | 2006 | |
Patent Citation Ranking
Maintenance Fees
| Fee | Large entity fee | small entity fee | micro entity fee | due date |
|---|---|---|---|---|
| 3.5 Year Payment | $1600.00 | $800.00 | $400.00 | Dec 15, 2013 |
| 7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Dec 15, 2017 |
| 11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Dec 15, 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 |