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

ALSO PUBLISHED AS: 20070022008

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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, CA7

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Kingsborough, Donald Danville, CA 20 88
Llach, Teri Palo Alto, CA 20 85
Roche, Talbott Belvedere, CA 17 88
Shaw, Julianna Hillsborough, CA 7 28

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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 11 2006
 
JPMORGAN CHASE BANK, N.A. (3)
6,227,447 Cardless payment system 398 1999
6,341,724 Cardless payment system 179 2001
2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms 20 2006
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2006/0000,893 METHOD FOR BIOMETRIC SECURITY USING A SMARTCARD-READER 36 2004
 
APPLE INC. (1)
2007/0271,114 METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT 2 2007
 
DIGITAL COUPONS TECHNOLOGY INTERNATIONAL, LLC. (1)
2006/0015,404 Service provider system and method for marketing programs 44 2005
 
GIVENS, MR. CHRISTOPHER JOHN (1)
2002/0120,582 Method for establishing an electronic commerce account 89 2002
 
JDA SOFTWARE GROUP (1)
2002/0169,657 Supply chain demand forecasting and planning 57 2001
 
KALINA, DYAN T. (1)
5,970,480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 160 1997
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
2006/0000,900 Collaborative negotiation techniques for mobile personal trusted device financial transactions 142 2005
 
PROPULSION REMOTE HOLDINGS, LLC (1)
2008/0077,499 SYSTEM AND METHOD FOR NETWORKED LOYALTY PROGRAM 29 2007
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 196 2002
 
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 14 2006
 
THE WESTERN UNION COMPANY (1)
2006/0118,611 Loyalty program enrollment systems and methods 4 2004

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
SIGNATURE SYSTEMS LLC (2)
8,027,917 Method for facilitating financial and non financial transactions between customers, retailers and suppliers 0 2008
8,326,753 Method for facilitating financial and non financial transactions between customers, retailers and suppliers 0 2011

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