US Patent No: 7,774,274
Number of patents in Portfolio can not be more than 2000
Payment card processing system and methods
Stats
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Aug 10, 2010
Issued date -
Sep 5, 2003
filing date -
10/656,798
serial no -
In Force
status
Importance
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Abstract
A payment card processing system and method is provided that allows an account holder to upgrade a private label card to a dual card. The dual card may be used for both private label transactions and bankcard transactions. Methods for upgrading to the dual card account include selecting a private label account having associated monetary and non-monetary data and maintained on a first processing platform for upgrade to a dual card account, creating the dual card account on a second processing platform, transferring the non-monetary data associated with the private label account from the first processing platform to the second processing platform for association with the dual card account, and initiating a trailing activity process to identify monetary and non-monetary activity associated with the private label account and update a cross reference table to associate the trailing activity with the dual card account.
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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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| 2006/0131,396 Selectable Multi-Purpose Card | 10 | 2006 | |
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| 5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same | 352 | 1993 | |
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| 6,315,195 Transaction apparatus and method | 190 | 1998 | |
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| 2002/0029,191 Settlement system with IC card, IC card, method of settlement | 19 | 2001 | |
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| 6,220,510 Multi-application IC card with delegation feature | 133 | 1998 | |
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| 5,770,843 Access card for multiple accounts | 270 | 1996 | |
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| 5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card | 288 | 1997 | |
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| 2002/0138,428 Hybrid credit card transaction system | 19 | 2001 | |
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| 5,255,182 Payment card point-of-sale service quality monitoring system, apparatus, and method | 71 | 1992 | |
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| 6,805,287 System and method for converting a stored value card to a credit card | 99 | 2002 | |
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| 4,432,567 Authorization card | 7 | 1981 | |
| 5,308,121 Credit/service card with expanded surface area | 78 | 1992 | |
| 5,585,787 Programmable credit card | 322 | 1994 | |
| 5,748,737 Multimedia electronic wallet with generic card | 292 | 1994 | |
| 5,844,230 Information card | 198 | 1995 | |
| 5,955,961 Programmable transaction card | 284 | 1996 | |
| 6,224,109 Credit card with driver's license or identification | 90 | 1999 | |
| 6,353,811 Credit card billing system for identifying expenditures on a credit card account | 109 | 2000 | |
| 2001/0032,192 Method and apparatus for improved financial instrument processing | 64 | 2000 | |
| 2002/0174,016 Multiple accounts and purposes card method and system | 137 | 2002 | |
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 | Feb 10, 2014 |
| 7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Feb 10, 2018 |
| 11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Feb 10, 2022 |
| 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 |