US Patent No: 7,815,107
Number of patents in Portfolio can not be more than 2000
Payment program for use in point-of-sale transactions
Stats
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Oct 19, 2010
Issued date -
Jul 25, 2006
filing date -
11/459,738
serial no -
In Force
status
Importance
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Abstract
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
Related Publications
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International Classification(s)
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- [Patents Count]
Cited Art
| Patent Info | (Count) | # Cites | Year |
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| 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 | 4 | 2006 | |
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| 6,227,447 Cardless payment system | 304 | 1999 | |
| 6,341,724 Cardless payment system | 130 | 2001 | |
| 2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms | 10 | 2006 | |
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| 2006/0000,893 METHOD FOR BIOMETRIC SECURITY USING A SMARTCARD-READER | 33 | 2004 | |
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| 2007/0271,114 METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT | 2 | 2007 | |
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| 2002/0120,582 Method for establishing an electronic commerce account | 52 | 2002 | |
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| 2006/0015,404 Service provider system and method for marketing programs | 18 | 2005 | |
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| 2002/0169,657 Supply chain demand forecasting and planning | 5 | 2001 | |
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| 5,970,480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle | 124 | 1997 | |
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| 2006/0000,900 Collaborative negotiation techniques for mobile personal trusted device financial transactions | 79 | 2005 | |
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| 2008/0077,499 SYSTEM AND METHOD FOR NETWORKED LOYALTY PROGRAM | 8 | 2007 | |
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| 7,104,443 Method and system for facilitating electronic funds transactions | 134 | 2002 | |
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| 2006/0224,454 Tracking merchant specific reward credits and balances in a multi merchant environment utilizing one card or account number | 7 | 2006 | |
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| 2006/0118,611 Loyalty program enrollment systems and methods | 4 | 2004 | |
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 | Apr 19, 2014 |
| 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 - 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 |