Payment program for use in point-of-sale transactions

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7815107
APP PUB NO 20070022008A1
SERIAL NO

11459738

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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In some embodiments, the present application relates to card-free programs provided by a merchant to a customer, whereby the customer has access to functions such as payment options and/or loyalty program benefits without needing to present a physical card at a point of sale. For example, a customer may make a card-free purchase of goods or services from a merchant, whereby the customer need not present a card such as a debit card, credit card, loyalty card, or other physical tender to make a purchase. Further, the customer need not provide biometric data or otherwise use an electronic device or identifier to make a purchase. Alternatively or additionally, the customer may access a loyalty program without needing to provide a physical card or data associated with a card.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
SAFEWAY INC.PLEASANTON, CA10

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Kingsborough, Donald Danville, US 15 125
Llach, Teri Palo Alto, US 15 165
Roche, Talbott Belvedere, US 11 122
Shaw, Julianna Hillsborough, US 6 41

Cited Art Landscape

Patent Info (Count) # Cites Year
 
VISHAY DALE ELECTRONICS, INC. (1)
5970480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 164 1997
 
DIGITAL COUPONS TECHNOLOGY INTERNATIONAL, LLC. (1)
* 2006/0015,404 Service provider system and method for marketing programs 73 2005
 
THE WESTERN UNION COMPANY (1)
2006/0118,611 Loyalty program enrollment systems and methods 5 2004
 
Synergy World, Inc. (1)
* 2006/0224,454 Tracking merchant specific reward credits and balances in a multi merchant environment utilizing one card or account number 18 2006
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
7104443 Method and system for facilitating electronic funds transactions 221 2002
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
* 2006/0000,900 Collaborative negotiation techniques for mobile personal trusted device financial transactions 205 2005
 
APPLE INC. (1)
* 2007/0271,114 METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT 2 2007
 
JDA SOFTWARE GROUP (1)
* 2002/0169,657 Supply chain demand forecasting and planning 87 2001
 
GULA CONSULTING LIMITED LIABILITY COMPANY (1)
* 2008/0077,499 SYSTEM AND METHOD FOR NETWORKED LOYALTY PROGRAM 40 2007
 
JPMORGAN CHASE BANK, N.A. (3)
6227447 Cardless payment system 448 1999
6341724 Cardless payment system 206 2001
* 2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms 27 2006
 
GIVENS, MR. CHRISTOPHER JOHN (1)
* 2002/0120,582 Method for establishing an electronic commerce account 120 2002
 
BLACKHAWK MARKETING SERVICES, INC. (3)
2007/0022,046 PAYMENT PROGRAM FOR USE IN POINT-OF-SALE TRANSACTIONS 4 2006
2007/0022,047 PAYMENT PROGRAM FOR USE IN POINT-OF-SALE TRANSACTIONS 4 2006
* 2007/0022,048 PAYMENT PROGRAM FOR USE IN POINT-OF-SALE TRANSACTIONS 18 2006
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
* 2006/0000,893 METHOD FOR BIOMETRIC SECURITY USING A SMARTCARD-READER 42 2004
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
VANCO PAYMENT SOLUTIONS, INC. (1)
* 2009/0182,586 POINT-OF-SALE, VALUE-ADDED PAYMENT PROCESSING SYSTEM AND METHOD THEREOF 0 2009
 
SIGNATURE SYSTEMS LLC (2)
8027917 Method for facilitating financial and non financial transactions between customers, retailers and suppliers 1 2008
8326753 Method for facilitating financial and non financial transactions between customers, retailers and suppliers 0 2011
 
Last Mile Technologies, LLC (2)
* 2008/0275,760 METHOD FOR FACILITATING FINANCIAL AND NON FINANCIAL TRANSACTIONS BETWEEN CUSTOMERS, RETAILERS AND SUPPLIERS 5 2008
* 2011/0208,659 METHOD AND APPARATUS FOR MAKING SECURE TRANSACTIONS USING AN INTERNET ACCESSIBLE DEVICE AND APPLICATION 24 2011
* 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 Apr 19, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Apr 19, 2022
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