US Patent No: 7,818,253

Number of patents in Portfolio can not be more than 2000

Debit purchasing of stored value card for use by and/or delivery to others

ALSO PUBLISHED AS: 20080021825

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
CHASE BANK USA, NATIONAL ASSOCIATIONNEW YORK, NY18
JPMORGAN CHASE BANK, NATIONAL ASSOCIATIONNEW YORK, NY1952

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Deporte, Rebecca Landenberg, US 16 559
Joines, Penny Media, US 10 240
Norwine, Jeffrey Wilmington, US 10 240
Phillips, Gregory Joseph Landenberg, US 17 560

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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* 5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 375 1997
 
TRINTECH LIMITED (1)
2003/0135,453 Transaction dispute management system and method 30 2002
 
PAYBYCLICK CORPORATION--TEXAS (4)
7,177,838 Method and apparatus for conducting electronic commerce transactions using electronic tokens 31 2000
7,376,621 Method and apparatus for conducting electronic commerce transactions using electronic tokens 21 2000
7,328,189 Method and apparatus for conducting electronic commerce transactions using electronic tokens 31 2001
7,249,099 Method and apparatus for conducting electronic commerce transactions using electronic tokens 57 2005
 
PROPAY, INC. (1)
2010/0030,697 END-TO-END SECURE PAYMENT PROCESSES 25 2008
 
BANK ONE, NA (7)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 239 1998
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 86 2002
2010/0030,675 Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method 27 2002
7,072,864 Customer activated multi-value (CAM) card 139 2003
7,086,586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 18 2004
7,051,925 System and method for funding a collective account by use of an electronic tag 107 2004
2009/0271,853 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 23 2009
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 201 1999
 
TOUCH TECHNOLOGY, INC. (1)
5,544,086 Information consolidation within a transaction network 275 1994
 
TSSI SYSTEMS LIMITED (1)
6,179,211 Method of identifying a data carrier 22 1998
 
PELIKON LIMITED (1)
6,360,954 Portable cards 125 2000
 
Calculus Microsystems Corporation (1)
5,321,241 System and method for tracking casino promotional funds and apparatus for use therewith 269 1993
 
THE WESTERN UNION COMPANY (15)
5,326,960 Currency transfer system and method 221 1992
5,350,906 Currency transfer system and method using fixed limit cards 489 1992
5,650,604 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds 281 1995
2003/0055,780 Method and system for transferring stored value 103 2001
7,054,842 Stored value cards and methods for their issuance 42 2001
2002/0152,168 Automated transfer with stored value fund 96 2001
2002/0161,702 Money order debit from stored value fund 73 2001
7,092,916 Electronic identifier payment system and methods 81 2001
6,814,282 Systems and methods of introducing and receiving information across a computer network 129 2002
7,107,249 Electronic identifier payment systems and methods 99 2002
2003/0222,136 Stored value education account 83 2002
2003/0130,940 Value transfer systems and methods 101 2002
2003/0130,948 Automated transfer with stored value 120 2003
2003/0135,459 Stored value payouts 119 2003
7,315,843 Electronic identifier payment systems and methods 55 2006
 
PITNEY BOWES INC. (1)
7,461,028 Method and system for authorizing use of a transaction card 33 2001
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 250 1991
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 131 1999
 
GOOGLE TECHNOLOGY HOLDINGS LLC (3)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 274 1996
6,105,006 Transaction authentication for 1-way wireless financial messaging units 108 1997
6,265,977 Radio frequency identification tag apparatus and related method 366 2000
 
ASSA ABLOY AB (5)
5,737,421 System for controlling access to a function having clock synchronization 127 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 205 1996
5,887,065 System and method for user authentication having clock synchronization 187 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 172 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 117 2000
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 378 2000
 
True Resources, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 62 2005
 
KABUSHIKI KAISHA TOSHIBA (6)
4,931,623 Portable storage medium 52 1988
5,055,662 Portable information record medium having liquid crystal and photoconductive layers 177 1989
5,180,901 IC card with individual authentication function 244 1991
5,710,458 Card like semiconductor device 168 1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications 145 1997
D427167 Adapter for an IC card 44 1999
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 112 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (13)
5,717,925 Information catalog system with object-dependent functionality 284 1996
5,798,950 Method and apparatus for estimating durations of activities in forming a current system, based on past durations of activities in forming past systems 70 1996
6,029,144 Compliance-to-policy detection method and system 205 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 44 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 266 1998
6,675,149 Information technology project assessment method, system and program product 78 1999
6,567,786 System and method for increasing the effectiveness of customer contact strategies 142 1999
6,671,673 Method for integrated supply chain and financial management 205 2000
6,880,084 Methods, systems and computer program products for smart card product management 66 2000
2003/0154,125 Pesonalisation of promotional offers 89 2001
6,641,050 Secure credit card 179 2001
2006/0106,696 Account transfer using a single financial account 50 2004
2006/0289,636 Food card to restrict purchases 23 2005
 
AT&T IPM CORP. (4)
5,479,494 Virtual calling card system 276 1992
5,450,491 Authenticator card and system 125 1993
5,450,477 Monitoring of charges debited to an account having an assigned limit 158 1993
5,708,422 Transaction authorization and alert system 476 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1012 1995
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 216 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 176 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 186 1998
 
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management 127 2001
2002/0111,916 Payment management 88 2001
 
ASSET TRUST, INC. (1)
2008/0027,841 System for integrating enterprise performance management 77 2002
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 482 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 304 1991
5,864,828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation 255 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 288 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 532 1994
5,644,727 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 617 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 301 1997
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 637 1997
 
ATTITUDE MEASUREMENT CORPORATION (1)
5,489,123 Packaging label including pre-approved incentive card 70 1995
 
COIN, INC. (4)
2006/0249,574 Automated payment card fraud detection and location 65 2006
D562888 Payment card with a full pan display 31 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 91 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 65 2006
 
BLOCK FINANCIAL LLC (2)
6,014,645 Real-time financial card application system 448 1996
7,310,617 Real-time financial card offer and application system 80 1999
 
GENWORTH HOLDINGS, INC. (3)
6,912,502 System and method for compliance management 102 1999
7,398,241 Method and system for portable retirement investment 79 2001
2002/0194,098 System and method for guaranteeing minimum periodic retirement income payments using an adjustment account 85 2002
 
Creative Games International, Inc. (1)
6,134,309 Pre-paid phone card system with promotional link 109 1997
 
BRADY WORLDWIDE, INC. (5)
D466929 Security pass 64 2002
D467271 Security pass 62 2002
D467272 Security pass 60 2002
D474235 Security pass 82 2002
D477359 Security pass 73 2002
 
PHOENIX LICENSING, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 477 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 332 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 159 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 130 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 124 2003
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 333 1993
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6,105,009 Automated teller machine dispenser of debit cards 121 1998
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2001/0034,684 System and methods for designing group retirement plans 31 2001
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 189 2000
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 589 1986
 
GENERAL ELECTRIC COMPANY (4)
5,696,907 System and method for performing risk and credit analysis of financial service applications 309 1995
5,991,743 System and method for proactively monitoring risk exposure 147 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 159 1998
6,675,127 Computerized systems and methods for managing project issues and risks 94 2001
 
VERIZON PATENT AND LICENSING INC. (4)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 231 1995
5,621,787 Prepaid cash card 297 1995
6,507,644 Pre-paid telephone calling card linked to a stored value account 101 1999
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 93 2001
 
FUTURELOGIC, INC. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment 50 2005
 
GLOBAL SECURITY TECHNOLOGIES, INC. (1)
6,655,598 Methods of creating a tamper resistant informational article 32 2000
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (9)
5,412,192 Radio frequency activated charge card 257 1993
5,483,445 Automated billing consolidation system and method 427 1993
5,684,291 Refundable prepaid telephone card 151 1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 259 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 108 1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 300 1996
5,988,509 Refundable prepaid telephone card 161 1997
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 154 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 180 1997
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 124 2002
2004/0243,498 Interest bearing gift card mechanisms 94 2004
 
GENERAL ELECTRIC CAPITAL CORPORATION, AS AGENT (2)
6,856,973 Methods and systems for assessing creditworthiness of a country 83 1999
6,970,830 Methods and systems for analyzing marketing campaigns 140 1999
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 73 2001
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 304 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 87 2005
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 138 1996
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 488 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 47 2004
 
TELETOUCH COMMUNICATIONS, INC. (2)
7,252,223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 73 2005
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 47 2005
 
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 227 1997
 
MWM CONSULTING GROUP (1)
2004/0088,236 Method and apparatus for investment consulting, benefit projection and investment analysis 91 2002
 
PROPAY USA, INC. (1)
2009/0240,620 SECURE PAYMENT SYSTEM 28 2008
 
AT&T CORP. (4)
6,192,113 Method and apparatus for phone card billing 56 1995
5,675,607 Method and apparatus for facilitating the making of card calls 117 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 187 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 113 1998
 
MOORE NORTH AMERICA, INC. (2)
5,760,381 Prepaid card 238 1996
2002/0046,089 Targeted advertising brochure and method for its use 75 2000
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 87 2002
 
VERIFONE, INC. (1)
5,440,108 System and method for dispensing and revalung cash cards 226 1993
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 739 1987
 
GILBARCO INC. (2)
6,078,888 Cryptography security for remote dispenser transactions 235 1997
6,574,603 In-vehicle ordering 181 1998
 
KOOKMIN CREDIT CARD CO., LTD. (1)
6,705,518 System and method for providing tourism service using RF IC card, and storage medium for storing tourism service algorithm thereof 27 2001
 
STANDARD & POOR'S FINANCIAL SERVICES LLC (1)
2004/0128,217 Method for assessing the economic earnings performance of a business enterprise 20 2002
 
Financial Engineering Associates, Inc. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading 261 1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination 112 1998
 
Goldman Sachs & Co. (1)
2004/0024,693 Proprietary risk management clearinghouse 68 2003
 
CATALINA MARKETING CORPORATION (14)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 479 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 606 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 473 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 569 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 772 1995
5,710,886 Electric couponing method and apparatus 564 1995
6,377,935 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 133 1997
5,974,399 Method and apparatus for generating purchase incentives based on price differentials 292 1997
6,260,758 Promotional financial transaction machine method 70 1998
6,336,099 Method and system for electronic distribution of product redemption coupons 257 1998
6,185,541 System and method for providing shopping aids and incentives to customers through a computer network 267 1999
6,282,516 Process, system and computer readable medium for in-store printing of discount coupons and/or other purchasing incentives in various departments within a retail store 154 1999
6,885,994 System and method for providing shopping aids and incentives to customers through a computer network 80 2000
7,398,248 System and method for using cards for sponsored programs 39 2002
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 301 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 283 1996
 
U.S. PHILIPS CORPORATION (2)
4,380,699 Portable, identifying element constructed as a lamination of sheets 66 1981
4,465,206 Device for the simultaneous mounting of components on a carrier 79 1983
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 130 1996
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 462 1995
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 199 1996
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 196 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4,746,787 IC card with display and card recording and reading device 141 1985
5,146,068 System for authenticating an authorized user of an IC card 94 1990
6,338,048 Electronic transaction system 115 1999
 
US PHILIPS ELECTRONICS (1)
6,424,029 Chip card 212 2000
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 494 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 553 1995
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 286 1998
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 126 1998
 
The United States of America as represented by the Secretary of the Navy (1)
6,397,202 System and method for monitoring risk in a system development program 116 1999
 
DYNAMICS INC. (8)
2008/0029,607 Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card 30 2006
2008/0035,738 Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card 22 2006
2008/0054,068 DYNAMIC CREDIT CARD WITH MAGNETIC STRIPE AND EMBEDDED ENCODER AND METHODS FOR USING THE SAME TO PROVIDE A COPY-PROOF CREDIT CARD 13 2007
2008/0054,081 DYNAMIC CREDIT CARD WITH MAGNETIC STRIPE AND EMBEDDED ENCODER AND METHODS FOR USING THE SAME TO PROVIDE A COPY-PROOF CREDIT CARD 23 2007
2008/0302,876 DYNAMIC CREDIT CARD WITH MAGNETIC STRIPE AND EMBEDDED ENCODER AND METHODS FOR USING THE SAME TO PROVIDE A COPY-PROOF CREDIT CARD 23 2007
2008/0054,079 DYNAMIC CREDIT CARD WITH MAGNETIC STRIPE AND EMBEDDED ENCODER AND METHODS FOR USING THE SAME TO PROVIDE A COPY-PROOF CREDIT CARD 32 2007
2008/0302,869 DYNAMIC CREDIT CARD WITH MAGNETIC STRIPE AND EMBEDDED ENCODER AND METHODS FOR USING THE SAME TO PROVIDE A COPY-PROOF CREDIT CARD 17 2007
2008/0065,555 DYNAMIC CREDIT CARD WITH MAGNETIC STRIPE AND EMBEDDED ENCODER AND METHODS FOR USING THE SAME TO PROVIDE A COPY-PROOF CREDIT CARD 17 2007
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
* 5,744,787 System and method for retail 144 1995
6,065,675 Processing system and method for a heterogeneous electronic cash environment 309 1998
 
ACS State & Local Solutions, Inc. (6)
5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 140 1997
6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 187 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 81 1998
7,225,155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 79 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 77 2002
2004/0064,332 Systems and methods for electronically processing government sponsored benefits 32 2003
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 438 1994
 
TOSHIBA BATTERY CO., LTD. (1)
4,777,563 Thin type electronic instrument 70 1987
 
SEIKO EPSON CORPORATION (2)
6,961,710 Method for billing for advertisements printed on check-out receipts 46 2000
7,014,110 POS system, network system, method of generating printing data for POS system, and method of managing sales and advertisement information in network system 55 2003
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 128 1997
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 351 1986
 
Allstate Insurance Company (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 280 1995
 
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities 79 2002
 
IBBOTSON ASSOCIATES, INC. (2)
7,216,099 Automatically allocating and rebalancing discretionary portfolios 28 2002
7,120,601 Optimal asset allocation during retirement in the presence of fixed and variable immediate life annuities (payout annuities) 63 2002
 
National Business Systems, Inc. (1)
4,866,545 Credit card embossing and recording system 32 1988
 
MASTERCARD INTERNATIONAL INCORPORATED (15)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 493 1988
5,557,516 System and method for conducting cashless transactions 300 1994
5,705,798 System and method for processing a customized financial transaction card 267 1994
5,692,132 System and method for conducting cashless transactions on a computer network 549 1995
5,699,528 System and method for bill delivery and payment over a communications network 1042 1995
5,704,046 System and method for conducting cashless transactions 334 1996
6,315,193 Financial transaction card with installment loan feature 147 1998
6,473,500 System and method for using a prepaid card 459 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 141 2001
6,793,131 Financial transaction card with installment loan feature 40 2001
7,252,226 System and method for using a prepaid card 53 2002
2003/0225,623 Method and system for conducting transactions using a payment card with account information encoded in bar code 87 2003
7,359,880 System and method for consumer control over card-based transactions 47 2005
2008/0005,018 Systems And Methods For Implementing Direct Issuer - Merchant Relationships Over A General Purpose Bankcard Network 34 2007
2008/0230,600 METHOD, SYSTEM, AND APPARATUS FOR CONDUCTING A PURCHASE TRANSACTION 32 2007
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 483 1995
 
COLLEGE SAVINGS BANK (1)
4,642,768 Methods and apparatus for funding future liability of uncertain cost 218 1984
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 77 1994
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 60 2001
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 341 1989
 
Intellicard International, Inc. (2)
4,614,861 Unitary, self-contained card verification and validation system and method 626 1984
4,707,594 Unitary, self-contained consumer transaction card 72 1985
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 145 1999
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 153 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags 126 2001
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5,806,045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 534 1996
 
Juergen Dethloff (1)
4,837,422 Multi-user card system 485 1987
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 105 2001
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 69 2002
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card 81 1998
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 78 2000
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 498 1996
 
CYBERSETTLE.COM, INC. (1)
6,954,741 Computerized dispute resolution system and method 68 1999
 
UNIFOIL CORPORATION (1)
2008/0187,770 Metallization process and product produced thereby 21 2008
 
III HOLDINGS 1, LLC (13)
6,581,839 Transaction card 194 2000
2001/0054,003 System and method for using loyalty points 349 2001
2002/0026,416 System and method for account reconciliation 54 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 67 2002
6,764,014 Transaction card 113 2002
7,606,730 System and method for a multiple merchant stored value card 47 2002
2003/0236,704 System and method for a multiple merchant stored value card 161 2002
6,845,906 System and method for selecting financial services 39 2003
2005/0021,353 DONATION SYSTEM AND METHOD 58 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 155 2004
7,070,095 Foldable transaction cards and methods of making the same 62 2004
7,156,301 Foldable non-traditionally-sized RF transaction card system and method 54 2005
7,506,806 Smartcard transaction method and system using fingerprint recognition 39 2007
 
RPX CLEARINGHOUSE LLC (1)
6,021,189 System for controlling usage of phone debit cards 53 1997
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 327 1994
 
SMART-MOVE LIMITED (1)
6,213,392 Card interface for interfacing a host application program to data storage cards 87 1998
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 152 2003
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 611 1996
 
RETIREMENT CAPITAL ACCESS MANAGEMENT COMPANY LLC (1)
6,625,582 Method and system for converting a designated portion of future social security and other retirement payments to current benefits 115 1999
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 45 2005
 
CITIBANK, N.A. (16)
5,453,601 Electronic-monetary system 739 1991
5,455,407 Electronic-monetary system 428 1995
5,799,087 Electronic-monetary system 251 1995
5,710,889 Interface device for electronically integrating global financial services 697 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 339 1995
6,058,378 Electronic delivery system and method for integrating global financial services 328 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 287 1996
5,920,629 Electronic-monetary system 326 1997
5,953,423 Electronic-monetary system 177 1997
5,963,648 Electronic-monetary system 238 1997
6,047,067 Electronic-monetary system 281 1997
6,895,386 Stock credit card 85 1998
6,098,053 System and method for performing an electronic financial transaction 489 1999
7,051,001 System and method for merchant function assumption of internet checking and savings account transactions 40 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 169 1999
7,092,905 Systems and methods for the processing of financial transactions 76 2001
 
TRANSACT TECHNOLOGIES INCORPORATED (1)
2003/0217,329 Methods and apparatus for creating customized messages for printing on a transaction slip 48 2003
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 461 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 394 1998
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 389 1988
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 56 2001
 
Retail Royalty Company (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes 118 1997
 
OPEN NETWORK SOLUTIONS, INC. (1)
6,366,967 OPEN NETWORK SYSTEM FOR I/O OPERATION INCLUDING A COMMON GATEWAY INTERFACE AND AN EXTENDED OPEN NETWORK PROTOCOL WITH NON-STANDARD I/O DEVICES UTILIZING DEVICE AND IDENTIFIER FOR OPERATION TO BE PERFORMED WITH DEVICE 95 1999
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 133 1997
 
PRICELINE.COM LLC (2)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1666 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 504 1997
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 137 1997
6,095,412 Host and user transaction system 149 1997
 
DIEBOLD, INCORPORATED (2)
7,039,600 ATM customer marketing system 70 1999
2005/0216,888 Method of developing automated banking machine instructions 51 2005
 
Diebold Self-Service Systems division of Diebold, Incorporated (2)
6,315,195 Transaction apparatus and method 257 1998
2003/0217,005 Automated banking machine system and method 118 2003
 
CITICORP DEVELOPMENT CENTER, INC. (2)
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal 107 1998
6,913,193 Method and system of tracking and providing an audit trail of smart card transactions 37 1999
 
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll 43 2004
 
MoneyAbility Technology, LLC (1)
2006/0085,334 Dynamic financial liability management 93 2004
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1246 1989
 
THIRD ACT LLC (2)
6,044,360 Third party credit card 348 1997
2004/0093,303 Third party debit card 109 2003
 
Union State Bank (1)
7,006,992 Risk assessment and management system 131 2000
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 123 1999
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 117 2001
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 245 1987
 
AUTOSCRIBE CORPORATION (1)
6,041,315 Automated payment system and method 225 1997
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 57 2004
 
USA Technologies, Inc. (3)
5,637,845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 284 1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 120 1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 107 2001
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 54 2004
 
WEEKS, STEPHEN M. (1)
7,346,567 Conditional fee ownership home financing system and business method 44 2002
 
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 253 1995
 
KHAL HEE KWAN (1)
2003/0200,179 METHOD, APPARATUS AND PROGRAM TO MAKE PAYMENT IN ANY CURRENCIES THROUGH A COMMUNICATION NETWORK SYSTEM USING PRE-PAID CARDS 95 1999
 
Computerized Data Ssytems for Mfg., Inc. (1)
5,049,728 IC card system with removable IC modules 228 1990
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 141 1994
5,745,555 System and method using personal identification numbers and associated prompts for controlling unauthorized use of a security device and unauthorized access to a resource 180 1996
5,825,871 Information storage device for storing personal identification information 185 1996
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 426 1995
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
5,247,190 Electroluminescent devices 1174 1990
5,401,827 Semiconductive copolymers for use in luminescent devices 124 1991
5,399,502 Method of manufacturing of electrolumineschent devices 556 1993
5,512,654 Semiconductive copolymers for use in luminescent devices 109 1994
5,672,678 Semiconductive copolymers for use in luminescent devices 131 1995
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 144 1995
5,807,627 Electroluminescent devices 161 1997
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 115 2000
 
Leonard Kurz GmbH & Co. (1)
5,383,687 Value document and embossing foil for the production thereof 108 1993
 
CHASE MANHATTAN BANK USA, NATIONAL ASOCIATION (1)
2009/0265,275 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 27 2009
 
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 171 1996
 
PAPER SYSTEMS, INC. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper 37 2005
 
UNION BEACH, L.P. (1)
5,521,363 System and method for tracking memory card transactions 178 1994
 
Licensys Pty Ltd (1)
D538349 Number plate 52 2005
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (1)
5,970,469 System and method for providing shopping aids and incentives to customers through a computer network 518 1996
 
XATRA FUND MX, LLC (2)
7,239,226 System and method for payment using radio frequency identification in contact and contactless transactions 92 2002
6,805,287 System and method for converting a stored value card to a credit card 135 2002
 
Swychco Support Services Pty. Ltd. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 358 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 226 1997
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 58 2002
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (6)
6,227,972 Method and apparatus for expiration of prepaid slot machine plays 194 1997
6,163,771 Method and device for generating a single-use financial account number 275 1997
6,128,599 Method and apparatus for processing customized group reward offers 423 1997
5,999,596 Method and system for controlling authorization of credit card transactions 191 1998
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 157 1999
6,374,230 Method, apparatus and program for customizing credit accounts 141 1999
 
GENWORTH FINANCIAL, INC. (1)
2004/0172,350 System and method for cross funding of multiple annuity contracts 78 2002
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 187 1993
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 614 1995
 
WALKER DIGITAL, LLC (1)
2002/0165,771 Method and apparatus for establishing prices for a plurality of products 113 2001
 
MICRO ENHANCEMENT INTERNATIONAL (2)
5,857,175 System and method for offering targeted discounts to customers 555 1995
7,024,374 Targeted marketing and purchase behavior monitoring system 77 2000
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 317 1997
 
CITICORP (1)
5,914,472 Credit card spending authorization control system 491 1997
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 235 1985
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 68 2003
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 432 1995
 
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same 137 2006
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 220 1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data 291 1997
 
DELIVERM CONSULTING B.V., LLC (2)
7,401,049 System and method for a prepaid card issued by a foreign financial institution 26 2002
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability 114 2003
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1525 1995
 
CITRIX SYSTEMS, INC. (1)
6,886,046 Methods and apparatus for extendible information aggregation and presentation 70 2001
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (5)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 124 1999
D449336 Card with a blue ornamental rectangle 50 1999
6,742,704 Multiple-service card system 94 2001
2003/0023,549 Consolidated payment account system and method 124 2002
2009/0230,195 METAL-CONTAINING TRANSACTION CARD AND METHOD OF MAKING THE SAME 28 2009
 
INTERNET PROMISE GROUP, LLC (1)
7,254,560 Method and apparatus for an integrated identity security and payment system 29 2001
 
DUBINSHIRE LTD., LLC (1)
6,886,741 Electronic transaction system 46 2004
 
REALSOURCE, INC. (1)
5,732,136 Merchant specific debit card verification system 156 1997
 
SAMSUNG ELECTRONICS CO., LTD. (13)
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
2003/0193,657 Range finder device and camera 17 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (22)
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 321 1986
4,822,985 Transaction approval system 124 1987
D310386 Transaction card 118 1987
4,906,826 Usage promotion method for payment card transaction system 146 1988
4,870,259 Transaction approval system 119 1989
4,908,521 Transaction approval system 124 1989
4,943,707 Transaction approval system 162 1989
5,177,342 Transaction approval system 287 1990
5,175,416 Funds transfer system 381 1991
5,477,038 Method and apparatus for distributing currency 459 1993
5,465,206 Electronic bill pay system 778 1993
5,703,344 Electronic funds confirmation at point of transaction 339 1995
5,621,201 Automated purchasing control system 422 1996
RE36365 Method and apparatus for distributing currency 281 1996
5,920,847 Electronic bill pay system 713 1996
6,119,103 Financial risk prediction systems and methods therefor 439 1997
6,282,522 Internet payment system using smart card 444 1997
RE37122 Method and apparatus for distributing currency 222 1998
6,105,008 Internet loading system using smart card 300 1998
6,298,336 Card activation at point of distribution 235 1998
7,031,939 Systems and methods for implementing person-to-person money exchange 147 2000
RE38255 Method and apparatus for distributing currency 145 2001
 
CHASE BANK USA, N.A. (1)
7,163,153 Selectable multi-purpose card 192 2003
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 368 1995
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 202 1997
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 154 2000
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
5,727,153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 343 1995
5,806,044 System and method for distributing coupons through a system of computer networks 374 1996
5,884,278 Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register 184 1997
 
Value Benefits Insurance Agency, Inc. (1)
2003/0204,421 Integrated system and method for insurance products 76 2002
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 101 1991
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 119 1995
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 162 1998
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 103 2003
 
CHASE MANHATTAN BANK, THE (5)
5,819,234 Toll collection system 202 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 225 1997
6,167,385 Supply chain financing system and method 205 1998
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 470 2000
2002/0095,365 Corporate products trading marketplace 133 2001
 
UNITED STATES OF AMERICA AS REPRESENTED BY THE ADMINISTRATOR OF THE NATIONAL AERONAUTICS AND SPACE ADMINISTRATION (1)
6,223,143 Quantitative risk assessment system (QRAS) 104 1998
 
M.A. Rivalto, Inc. (1)
5,482,139 Automated drive-up vending facility 245 1995
 
TOURNAMENT HOLDINGS LTD., L.L.C. (1)
6,048,271 Automated league and tournament device 204 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (2)
6,014,634 System and method for providing shopping aids and incentives to customers through a computer network 651 1997
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 418 1997
 
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers 106 1994
6,295,344 Telephone travel card system under the control of its customers 48 1998
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 225 1987
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 105 2001
 
Pennsylvania Food Merchants Association (1)
5,581,064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 197 1994
 
The Ohio State University Research Foundation (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 99 1997
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 256 2003
 
OneName Corporation (1)
6,757,710 Object-based on-line transaction infrastructure 234 2002
 
LIFEPROXY LLC (1)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 26 2001
 
NEOPOST TECHNOLOGIES (1)
6,227,445 Secure smart card access to pre-paid metering funds in meter 35 1998
 
Executing the Numbers, Inc. (1)
6,119,097 System and method for quantification of human performance factors 114 1997
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 172 1998
 
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions 52 2004
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 432 1997
 
Security Dynamics Technologies, Inc. (1)
5,361,062 Personal security system 266 1992
 
Freddie Mac (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 62 2004
 
MicroBilt Corporation (1)
5,466,920 Real time decoding for card transaction terminal 55 1991
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 102 1999
6,446,210 Method for securing communication by selecting an encoding process using a first computer based upon ability of a second computer and deleting the process thereafter 132 1999
6,434,259 Method of providing secure user access 115 1999
6,429,927 Imaging device, especially for optical fingerprinting 110 1999
6,498,861 Biometric security encryption system 119 2000
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6,138,911 In-store points redemption system and method 230 1999
 
TALX CORPORATION (1)
2003/0149,660 Method and system for managing employee access to payroll information 39 2002
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 502 1984
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 243 1994
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 82 2005
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 195 1998
 
OVERTURE SERVICES, INC (1)
6,173,267 Method for product promotion 283 1998
 
GIESECKE & DEVRIENT GMBH (3)
6,343,743 Method of checking authenticity of a data carrier 75 1998
6,382,677 Security element and method for producing same 38 1999
7,503,503 Card laminate 28 2005
 
PERFECT PLASTIC PRINTING CORPORATION (1)
4,938,830 Plastic card and method of fabrication thereof 75 1988
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 134 1997
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 47 2004
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5,339,239 Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal 278 1990
 
Brubaker, Randall E. (1)
6,186,793 Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events 128 1997
 
ARJO WIGGINS SECURITY SAS (1)
7,128,272 Method for making an article comprising a sheet and at least an element directly mounted thereon 28 2002
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 103 2001
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 751 1995
 
Call Processing, Inc. (2)
5,511,114 Telephone pre-paid calling card system and method 325 1994
5,721,768 Pre-paid card system and method 321 1996
 
STARBUCKS CORPORATION DBA STARBUCKS COFFEE COMPANY (1)
2005/0077,350 Dual card 76 2004
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 297 1996
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 145 1998
 
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA (1)
2004/0158,517 Method for maximizing retirement income using financial bridge products and deferred social security income 43 2004
 
INTER*ACT SYSTEMS, INCORPORATED (7)
5,305,196 Check transaction processing, database building and marketing method and system utilizing automatic check reading 228 1992
5,327,508 Method and system for building a database and performing marketing based upon prior shopping history 213 1993
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 558 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 446 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 341 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 395 1994
6,351,735 Check transaction processing, database building and marketing method and system utilizing automatic check reading 127 1996
 
York Eggleston (1)
6,061,660 System and method for incentive programs and award fulfillment 577 1998
 
WINKLEVOSS TECHNOLOGIES, L.L.C. (1)
2004/0117,202 Method and system for determining benefits 44 2003
 
WYNN, SOL H. (1)
5,859,419 Programmable multiple company credit card system 440 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 281 1995
 
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations 80 1989
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 113 1989
5,080,748 Card assembly apparatus 174 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 286 1998
6,068,183 Chip card system 200 1998
5,931,764 Wearable device with flexible display 193 1998
6,402,039 Flexible chip card with display 177 1999
6,450,407 Chip card rebate system 384 2000
 
SUMMIT BANCORP (1)
6,454,647 Method and system for automated collect and win sweepstakes for ATM transactions 44 1999
 
CheckFree Corporation (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 632 1991
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 151 2000
 
FUJITSU LIMITED (10)
5,481,094 Point-of-sale terminal 193 1994
6,003,762 Transaction terminal for an electronic cashless system 258 1994
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 413 1998
2002/0161,699 Method of invitation to alteration of contract of cash loan for consumption 27 2001
2003/0040,927 System, method and apparatus for change management, cash dispenser for use with the system/apparatus, and computer-readable medium containing change management program 42 2001
2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 83 2002
2005/0114,883 Information providing method, information providing apparatus, and computer-readable recording medium with information providing program recorded thereon 44 2004
2005/0060,260 Payment system, payment apparatus, and payment program storage medium 37 2004
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 88 2004
2005/0119,979 Transaction system and transaction terminal equipment 57 2004
 
SOUND VIEW INNOVATIONS, LLC (1)
6,742,125 Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol 24 1996
 
FIRST DATA CORPORATION (8)
7,050,996 Method for linking accounts corresponding to different products together to create a group 77 1999
6,978,369 Person-centric account-based digital signature system 96 2001
2004/0049,452 Multiple credit line presentation instrument 96 2002
2004/0088,238 Method and system for monitoring electronic transactions 42 2002
2003/0120,571 Authorizing transactions associated with accounts 49 2002
2003/0182,218 Chasing rewards associated with accounts 73 2003
2006/0036,543 Creating groups of linked accounts 56 2005
2006/0116,955 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 25 2006
 
BOWIE, STUART S. (1)
6,195,644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 180 1999
 
Xtreme Traffic Builders, Inc. (1)
6,557,750 Promotional mailing device 55 2002
 
CASIO COMPUTER CO., LTD. (1)
4,754,418 Combined electronic calculator and credit card 133 1985
 
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 333 1991
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 108 1990
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 90 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 115 1996
5,770,849 Smart card device with pager and visual image display 156 1996
5,734,154 Smart card with Iintegrated reader and visual image display 216 1996
5,789,733 Smart card with contactless optical interface 295 1996
 
Marflex International Inc. (1)
5,503,891 Flexible magnet attractant display mat 75 1994
 
BRIDGEPOINT SYSTEMS, INC. (1)
5,936,221 Smart card system and method for transferring value 145 1997
 
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique 94 2001
 
Tamura Electric Works, Ltd. (2)
* 5,546,446 Public telephone system using a prepaid card to enable communication 49 1994
5,563,934 Pay phone call control apparatus for allowing calls using pre-paid cards 48 1995
 
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions 227 1996
6,295,522 Stored-value card value acquisition method and apparatus 210 1997
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 110 1988
 
PAYPAL, INC. (2)
7,047,222 Secure encryption of data packets for transmission over unsecured networks 37 2000
2005/0171,842 Method and system for incentivizing the promotion of a payment service 43 2004
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 136 2003
 
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing 30 2004
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (46)
6,227,447 Cardless payment system 418 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 142 1999
D437882 Transaction card 56 1999
7,392,224 System and method of operating a debit card reward program 99 1999
7,113,914 Method and system for managing risks 67 2000
6,631,849 Selectable multi-purpose card 434 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 55 2000
6,341,724 Cardless payment system 189 2001
2001/0034,682 International banking system and method 132 2001
2002/0077,978 Method and system for processing internet payments 341 2001
6,945,453 System and method for funding a collective account by use of an electronic tag 53 2001
7,313,546 System and method for currency selectable stored value instrument 7 2001
2003/0033,246 Sponsor funded stored value card 100 2002
7,165,049 Sponsor funded stored value card 103 2002
2003/0105,714 System and method for currency selectable stored value instrument 51 2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 253 2003
7,676,425 Method and system for providing flexible financing 24 2003
2005/0189,427 Coin-discriminator voucher anti-counterfeiting method and apparatus 37 2003
2004/0128,186 System and method for managing risks associated with outside service providers 90 2003
* 2005/0065,877 Method and system for distribution of unactivated bank account cards 53 2003
7,130,828 Debit purchasing of stored value card for use by and/or delivery to others 50 2003
2004/0122,736 System and method for granting promotional rewards to credit account holders 103 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 82 2004
2005/0091,492 Portable security transaction protocol 50 2004
7,392,222 System and method for providing promotional pricing 104 2004
7,707,111 Customer activated multi-value (CAM) card 34 2004
D530741 Transparent transaction card 42 2004
7,171,388 Debit purchasing of stored value card for use by and/or delivery to others 22 2004
7,174,314 Debit purchasing of stored value card for use by and/or delivery to others 23 2004
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 64 2004
7,174,316 Debit purchasing of stored value card for use by and/or delivery to others 24 2004
7,174,317 Debit purchasing of stored value card for use by and/or delivery to others 43 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 22 2004
7,191,952 Selectable multi-purpose card 102 2004
2005/0127,168 Debit purchasing of stored value card for use by and/or delivery to others 20 2005
7,263,507 Customer activated multi-value (CAM) card 52 2005
7,660,763 Customer activated multi-value (CAM) card 20 2005
7,357,331 Selectable multi-purpose card 55 2006
2007/0226,141 Debit Purchasing Of Stored Value Card For Use By And/Or Delivery To Others 7 2007
2008/0021,825 Debit Purchasing of Stored Value Card for Use By And/Or Delivery to Others 5 2007
2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 75 2007
2008/0059,373 Debit Purchasing of Stored Value Card For Use By And/Or Delivery To Others 7 2007
D576671 Overlapping transaction device 41 2008
D602522 Transaction device 55 2008
D602986 Metal transaction device 56 2009
2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 35 2009
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
5,852,812 Billing system for a network 565 1995
5,721,781 Authentication system and method for smart card transactions 621 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 686 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 594 1997
2001/0037,315 System and method for secure distribution of information via eMail 102 2000
 
WINBOND ELECTRONICS CORP. (1)
5,877,975 Insertable/removable digital memory apparatus and methods of operation thereof 116 1996
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 416 1996
 
Swiss Reinsurance Company Ltd. (1)
2006/0026,092 Method and system for securitizing mortality risk 47 2004
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 365 1998
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 194 1994
 
CYARCH, LLC (1)
2003/0167,220 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 46 2001
 
PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration 42 2001
 
Allcard Financial Services, Inc. (1)
* 2005/0049,950 Method for depositing funds to a stored value card 71 2004
 
CAR POINT KOREA CO., LTD. (1)
2001/0044,733 Method and system for processing automobile insurance of a prepaid type according to driving distance and time of vehicle 74 2000
 
ROUNDMEUP, INC. (1)
7,502,758 Creation and distribution of excess funds, deposits, and payments 41 2001
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 737 1994
5,884,271 Device, system and methods of conducting paperless transactions 517 1996
 
MEGA GROUP INTERNATIONAL, LTD. (1)
6,163,770 Computer apparatus and method for generating documentation using a computed value for a claims cost affected by at least one concurrent, different insurance policy for the same insured 250 1998
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (1)
8,571,975 System and method for sending money via E-mail over the internet 0 1999
 
Tuitionfund, LLC. (1)
8,589,226 Methods and systems for providing a merchant funded incentive rebate or awards program 0 2012
 
KILPAUK GARDEN, SERIES 64 OF ALLIED SECURITY TRUST I (3)
7,970,722 System, method and computer program product for a collaborative decision platform 2 2009
8,160,988 System, method and computer program product for a collaborative decision platform 0 2010
8,005,777 System, method and computer program product for a collaborative decision platform 15 2010
* 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