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

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO

7818253

APP PUB NO

20080021825A1

SERIAL NO

11780730

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

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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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Family

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Patent Owner(s)

Patent OwnerAddressTotal Patents
CHASE BANK USA, NATIONAL ASSOCIATIONNEW YORK, NY19
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1961

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Deporte, Rebecca Landenberg, US 16 658
Joines, Penny Media, US 10 267
Norwine, Jeffrey Wilmington, US 10 272
Phillips, Gregory Joseph Landenberg, US 17 667

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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2010/0030,675 Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method 30 2002
7072864 Customer activated multi-value (CAM) card 144 2003
7086586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 18 2004
7051925 System and method for funding a collective account by use of an electronic tag 110 2004
 
NETVISION, INC. (1)
6467684 Pre-paid card system for purchasing products or services 208 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5544086 Information consolidation within a transaction network 291 1994
 
TSSI SYSTEMS LIMITED (1)
6179211 Method of identifying a data carrier 22 1998
 
PELIKON LIMITED (1)
6360954 Portable cards 129 2000
 
Calculus Microsystems Corporation (1)
5321241 System and method for tracking casino promotional funds and apparatus for use therewith 311 1993
 
The Western Union Company (15)
5326960 Currency transfer system and method 228 1992
5350906 Currency transfer system and method using fixed limit cards 518 1992
5650604 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds 300 1995
2003/0055,780 Method and system for transferring stored value 108 2001
7054842 Stored value cards and methods for their issuance 46 2001
2002/0152,168 Automated transfer with stored value fund 103 2001
2002/0161,702 Money order debit from stored value fund 77 2001
7092916 Electronic identifier payment system and methods 85 2001
6814282 Systems and methods of introducing and receiving information across a computer network 135 2002
7107249 Electronic identifier payment systems and methods 110 2002
2003/0222,136 Stored value education account 89 2002
2003/0130,940 Value transfer systems and methods 112 2002
2003/0130,948 Automated transfer with stored value 124 2003
2003/0135,459 Stored value payouts 126 2003
7315843 Electronic identifier payment systems and methods 56 2006
 
Pitney Bowes Inc. (1)
7461028 Method and system for authorizing use of a transaction card 35 2001
 
The Harrison Company, LLC (1)
6009415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 274 1991
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 136 1999
 
GOOGLE TECHNOLOGY HOLDINGS LLC (3)
5777903 Solar cell powered smart card with integrated display and interface keypad 283 1996
6105006 Transaction authentication for 1-way wireless financial messaging units 122 1997
6265977 Radio frequency identification tag apparatus and related method 381 2000
 
ASSA ABLOY AB (5)
5737421 System for controlling access to a function having clock synchronization 130 1996
5802176 System for controlling access to a function, using a plurality of dynamic encryption variables 210 1996
5887065 System and method for user authentication having clock synchronization 198 1997
5937068 System and method for user authentication employing dynamic encryption variables 180 1997
6308268 Portable electronic device for safe communication system, and method for initializing its parameters 119 2000
 
APPLE INC. (1)
6484148 Electronic advertising device and method of using the same 446 2000
 
True Resources, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 65 2005
 
KABUSHIKI KAISHA TOSHIBA (6)
4931623 Portable storage medium 54 1988
5055662 Portable information record medium having liquid crystal and photoconductive layers 186 1989
5180901 IC card with individual authentication function 250 1991
5710458 Card like semiconductor device 172 1995
5815658 Portable terminal apparatus for IC card compatible with a plurality of applications 148 1997
D427167 Adapter for an IC card 44 1999
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6366220 RF tag based system and method for drive-through applications 118 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (12)
5717925 Information catalog system with object-dependent functionality 318 1996
5798950 Method and apparatus for estimating durations of activities in forming a current system, based on past durations of activities in forming past systems 71 1996
6029144 Compliance-to-policy detection method and system 222 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 45 1998
6278981 Computer-implemented method and apparatus for portfolio compression 270 1998
6567786 System and method for increasing the effectiveness of customer contact strategies 149 1999
6671673 Method for integrated supply chain and financial management 206 2000
6880084 Methods, systems and computer program products for smart card product management 69 2000
2003/0154,125 Pesonalisation of promotional offers 91 2001
6641050 Secure credit card 199 2001
2006/0106,696 Account transfer using a single financial account 51 2004
2006/0289,636 Food card to restrict purchases 25 2005
 
AT&T IPM CORP. (4)
5479494 Virtual calling card system 285 1992
5450491 Authenticator card and system 136 1993
5450477 Monitoring of charges debited to an account having an assigned limit 161 1993
5708422 Transaction authorization and alert system 515 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5677955 Electronic funds transfer instruments 1061 1995
 
International Card Technology (3)
5883377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 225 1995
5984191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 182 1997
6138917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 195 1998
 
PREVISER CORPORATION (1)
6484144 Method and system for healthcare treatment planning and assessment 161 1999
 
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management 143 2001
2002/0111,916 Payment management 101 2001
 
HOME ACCOUNT NETWORK, INC. (8)
4953085 System for the operation of a financial account 489 1987
5911135 System for managing financial accounts by a priority allocation of funds among accounts 323 1991
5864828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation 262 1991
5884285 System for managing financial accounts by reallocating funds among accounts 296 1992
5852811 Method for managing financial accounts by a preferred allocation of funds among accounts 554 1994
5644727 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 670 1994
5911136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 310 1997
5875437 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 682 1997
 
Attitude Measurement Corporation (1)
5489123 Packaging label including pre-approved incentive card 71 1995
 
BLOCK FINANCIAL LLC (2)
6014645 Real-time financial card application system 480 1996
7310617 Real-time financial card offer and application system 102 1999
 
GENWORTH HOLDINGS, INC. (3)
6912502 System and method for compliance management 105 1999
7398241 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)
6134309 Pre-paid phone card system with promotional link 110 1997
 
BRADY WORLDWIDE, INC. (5)
D466929 Security pass 65 2002
D467271 Security pass 63 2002
D467272 Security pass 61 2002
D474235 Security pass 83 2002
D477359 Security pass 74 2002
 
Phoenix Licensing, LLC (5)
5987434 Apparatus and method for transacting marketing and sales of financial products 498 1996
6076072 Method and apparatus for preparing client communications involving financial products and services 339 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 166 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 132 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 125 2003
 
AT&T Bell Laboratories (1)
5311594 Fraud protection for card transactions 340 1993
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6105009 Automated teller machine dispenser of debit cards 138 1998
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2001/0034,684 System and methods for designing group retirement plans 32 2001
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6405182 System for dispensing prepaid debit cards through point-of-sale terminals 202 2000
 
The Chubb Corporation (1)
4831526 Computerized insurance premium quote request and policy issuance system 600 1986
 
GENERAL ELECTRIC COMPANY (4)
5696907 System and method for performing risk and credit analysis of financial service applications 335 1995
5991743 System and method for proactively monitoring risk exposure 148 1997
6182048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 165 1998
6675127 Computerized systems and methods for managing project issues and risks 95 2001
 
VERIZON PATENT AND LICENSING INC. (4)
5765138 Apparatus and method for providing interactive evaluation of potential vendors 240 1995
5621787 Prepaid cash card 315 1995
6507644 Pre-paid telephone calling card linked to a stored value account 111 1999
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 99 2001
 
FUTURELOGIC, INC. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment 53 2005
 
GLOBAL SECURITY TECHNOLOGIES, INC. (1)
6655598 Methods of creating a tamper resistant informational article 32 2000
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (6)
5412192 Radio frequency activated charge card 269 1993
5483445 Automated billing consolidation system and method 432 1993
5684291 Refundable prepaid telephone card 154 1995
6115458 Method and apparatus for summaries of prepaid instrument transaction activity 268 1995
6345766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 115 1995
5988509 Refundable prepaid telephone card 162 1997
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 128 2002
2004/0243,498 Interest bearing gift card mechanisms 96 2004
 
GENERAL ELECTRIC CAPITAL CORPORATION (2)
6856973 Methods and systems for assessing creditworthiness of a country 87 1999
6970830 Methods and systems for analyzing marketing campaigns 147 1999
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 76 2001
 
DoubleCredit.com, Inc. (1)
6999943 Routing methods and systems for increasing payment transaction volume and profitability 344 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 88 2005
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5777306 Credit card system and method of using credit card with such credit card system 143 1996
 
TGIP, INC. (1)
5577109 Pre-paid card system and method 505 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 49 2004
 
TELETOUCH COMMUNICATIONS, INC. (2)
7252223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 78 2005
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 48 2005
 
FRANCE TELECOM (1)
5991413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 239 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 36 2008
 
AT&T CORP. (4)
6192113 Method and apparatus for phone card billing 59 1995
5675607 Method and apparatus for facilitating the making of card calls 120 1995
5864609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 189 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 117 1998
 
MOORE NORTH AMERICA, INC. (2)
5760381 Prepaid card 245 1996
2002/0046,089 Targeted advertising brochure and method for its use 78 2000
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 100 2002
 
VERIFONE, INC. (1)
5440108 System and method for dispensing and revalung cash cards 235 1993
 
Flex Japan Inc. (1)
4789928 Auction information transmission processing 771 1987
 
FITBIT, INC. (4)
2006/0249,574 Automated payment card fraud detection and location 77 2006
D562888 Payment card with a full pan display 32 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 113 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 85 2006
 
GILBARCO INC. (2)
6078888 Cryptography security for remote dispenser transactions 262 1997
6574603 In-vehicle ordering 197 1998
 
KOOKMIN CREDIT CARD CO., LTD. (1)
6705518 System and method for providing tourism service using RF IC card, and storage medium for storing tourism service algorithm thereof 30 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)
5819237 System and method for determination of incremental value at risk for securities trading 266 1996
6122623 Watershed method for controlling cashflow mapping in value at risk determination 113 1998
 
CATALINA MARKETING CORPORATION (14)
5644723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 492 1994
5832457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 622 1995
5642485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 486 1995
5649114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 590 1995
5687322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 814 1995
5710886 Electric couponing method and apparatus 609 1995
6377935 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 147 1997
5974399 Method and apparatus for generating purchase incentives based on price differentials 299 1997
6260758 Promotional financial transaction machine method 71 1998
6336099 Method and system for electronic distribution of product redemption coupons 301 1998
6185541 System and method for providing shopping aids and incentives to customers through a computer network 277 1999
6282516 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 163 1999
6885994 System and method for providing shopping aids and incentives to customers through a computer network 82 2000
7398248 System and method for using cards for sponsored programs 46 2002
 
U.S. PHILIPS CORPORATION (2)
4380699 Portable, identifying element constructed as a lamination of sheets 66 1981
4465206 Device for the simultaneous mounting of components on a carrier 80 1983
 
Okemos Agency, Inc. (1)
5839113 Method and apparatus for rating geographical areas using meteorological conditions 132 1996
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5612868 Method and apparatus for dispensing discount coupons 471 1995
 
YOKOGAWA ELECTRIC CORPORATION (1)
5745049 Wireless equipment diagnosis system 207 1996
 
BARTON PATENT 533 LLC (1)
6164533 Point of sale automatic savings program contribution system 201 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4746787 IC card with display and card recording and reading device 146 1985
5146068 System for authenticating an authorized user of an IC card 96 1990
6338048 Electronic transaction system 120 1999
 
US PHILIPS ELECTRONICS (1)
6424029 Chip card 220 2000
 
SMART CARD, LLC (2)
5530232 Multi-application data card 520 1993
5578808 Data card that can be used for transactions involving separate card issuers 610 1995
 
INTELLECTUAL VENTURES II LLC (1)
6182894 Systems and methods for authorizing a transaction card 307 1998
 
Intelligent Ideation, Inc. (1)
6463039 Method and apparatus for full duplex sideband communication 129 1998
 
The United States of America as represented by the Secretary of the Navy (1)
6397202 System and method for monitoring risk in a system development program 120 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 47 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 42 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 24 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 34 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 42 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 50 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 37 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 37 2007
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
* 5744787 System and method for retail 149 1995
6065675 Processing system and method for a heterogeneous electronic cash environment 320 1998
 
ACS State & Local Solutions, Inc. (6)
5946669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 148 1997
6119107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 196 1998
6567821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 84 1998
7225155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 83 1999
7072909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 92 2002
2004/0064,332 Systems and methods for electronically processing government sponsored benefits 33 2003
 
Midwest Payment Systems (1)
5649117 System and method for paying bills and other obligations including selective payor and payee controls 453 1994
 
Toshiba Battery Co., Ltd. (1)
4777563 Thin type electronic instrument 71 1987
 
SEIKO EPSON CORPORATION (2)
6961710 Method for billing for advertisements printed on check-out receipts 47 2000
7014110 POS system, network system, method of generating printing data for POS system, and method of managing sales and advertisement information in network system 59 2003
 
Protech Video Security, Inc. (1)
6119932 Identification verification apparatus and method 134 1997
 
Tradevest, Inc. (1)
4750119 Purchasing system with rebate feature 357 1986
 
ALLSTATE INSURANCE COMPANY (1)
5809478 Method for accessing and evaluating information for processing an application for insurance 281 1995
 
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities 87 2002
 
LAAGE, MARIA THERESA, MS (1)
6931382 Payment instrument authorization technique 113 2001
 
IBBOTSON ASSOCIATES, INC. (2)
7216099 Automatically allocating and rebalancing discretionary portfolios 28 2002
7120601 Optimal asset allocation during retirement in the presence of fixed and variable immediate life annuities (payout annuities) 63 2002
 
National Business Systems (1)
4866545 Credit card embossing and recording system 32 1988
 
MASTERCARD INTERNATIONAL INCORPORATED (15)
4961142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 503 1988
5557516 System and method for conducting cashless transactions 309 1994
5705798 System and method for processing a customized financial transaction card 277 1994
5692132 System and method for conducting cashless transactions on a computer network 570 1995
5699528 System and method for bill delivery and payment over a communications network 1104 1995
5704046 System and method for conducting cashless transactions 352 1996
6315193 Financial transaction card with installment loan feature 155 1998
6473500 System and method for using a prepaid card 478 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 147 2001
6793131 Financial transaction card with installment loan feature 45 2001
7252226 System and method for using a prepaid card 55 2002
2003/0225,623 Method and system for conducting transactions using a payment card with account information encoded in bar code 90 2003
7359880 System and method for consumer control over card-based transactions 53 2005
2008/0005,018 Systems And Methods For Implementing Direct Issuer - Merchant Relationships Over A General Purpose Bankcard Network 35 2007
2008/0230,600 METHOD, SYSTEM, AND APPARATUS FOR CONDUCTING A PURCHASE TRANSACTION 38 2007
 
CONTENTGUARD HOLDINGS, INC. (1)
5530235 Interactive contents revealing storage device 507 1995
 
COLLEGE SAVINGS BANK (1)
4642768 Methods and apparatus for funding future liability of uncertain cost 222 1984
 
National Bancard Corporation (1)
5432326 Systems and methods for operating data card terminals for transaction chargeback protection 81 1994
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 61 2001
 
DETHLOFF, JUERGEN (1)
4968873 Smart card issuing and receiving apparatus 350 1989
 
Intellicard International, Inc. (2)
4614861 Unitary, self-contained card verification and validation system and method 660 1984
4707594 Unitary, self-contained consumer transaction card 72 1985
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 167 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6505780 Personalize vehicle settings using RF tags 140 2001
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5806045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 559 1996
 
Juergen Dethloff (1)
4837422 Multi-user card system 502 1987
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 107 2001
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 70 2002
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6129572 Electrical connector with latch to retain IC card 82 1998
 
FORD MOTOR COMPANY (1)
6901372 Quality operating system 79 2000
 
IDLOYALTY, LLC (1)
6070147 Customer identification and marketing analysis systems 552 1996
 
CYBERSETTLE.COM, INC. (1)
6954741 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)
6581839 Transaction card 199 2000
2001/0054,003 System and method for using loyalty points 390 2001
2002/0026,416 System and method for account reconciliation 58 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 71 2002
6764014 Transaction card 118 2002
7606730 System and method for a multiple merchant stored value card 49 2002
2003/0236,704 System and method for a multiple merchant stored value card 170 2002
6845906 System and method for selecting financial services 41 2003
2005/0021,353 DONATION SYSTEM AND METHOD 61 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 197 2004
7070095 Foldable transaction cards and methods of making the same 64 2004
7156301 Foldable non-traditionally-sized RF transaction card system and method 58 2005
7506806 Smartcard transaction method and system using fingerprint recognition 44 2007
 
RPX CLEARINGHOUSE LLC (1)
6021189 System for controlling usage of phone debit cards 56 1997
 
BACK PAGES INC. (1)
5513102 Data processing methods of implementing an award to an authorized user of a credit card 341 1994
 
SMART-MOVE LIMITED (1)
6213392 Card interface for interfacing a host application program to data storage cards 88 1998
 
Store Financial Services, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 159 2003
 
FACEBOOK, INC. (1)
6014638 System for customizing computer displays in accordance with user preferences 680 1996
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 46 2005
 
CITIBANK, N.A. (16)
5453601 Electronic-monetary system 760 1991
5455407 Electronic-monetary system 438 1995
5799087 Electronic-monetary system 257 1995
5710889 Interface device for electronically integrating global financial services 728 1995
5890140 System for communicating with an electronic delivery system that integrates global financial services 349 1995
6058378 Electronic delivery system and method for integrating global financial services 342 1995
6049782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 297 1996
5920629 Electronic-monetary system 335 1997
5953423 Electronic-monetary system 178 1997
5963648 Electronic-monetary system 240 1997
6047067 Electronic-monetary system 283 1997
6895386 Stock credit card 86 1998
6098053 System and method for performing an electronic financial transaction 507 1999
7051001 System and method for merchant function assumption of internet checking and savings account transactions 44 1999
6601761 Method and system for co-branding an electronic payment platform such as an electronic wallet 174 1999
7092905 Systems and methods for the processing of financial transactions 79 2001
 
TRANSACT TECHNOLOGIES INCORPORATED (1)
2003/0217,329 Methods and apparatus for creating customized messages for printing on a transaction slip 51 2003
 
BLOCKBUSTER L.L.C. (1)
5459306 Method and system for delivering on demand, individually targeted promotions 474 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6105865 Financial transaction system with retirement saving benefit 435 1998
 
SWISS REINSURANCE COMPANY (1)
4975840 Method and apparatus for evaluating a potentially insurable risk 397 1988
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 58 2001
 
RATEZE REMOTE MGMT. L.L.C. (2)
5765141 Computerized merchandising system 307 1995
5870718 Computer-printer terminal for producing composite greeting and gift certificate card 293 1996
 
Retail Royalty Company (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes 124 1997
 
OPEN NETWORK SOLUTIONS, INC. (1)
6366967 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 99 1999
 
Reclaim Technology and Services Limited (1)
6049773 Automated method for identification of reinsurance claims 135 1997
 
PRICELINE.COM LLC (2)
5794207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1771 1996
5897620 Method and apparatus for the sale of airline-specified flight tickets 519 1997
 
INTELLECT AUSTRALIA PTY LTD. (2)
6091817 Host and user transaction system 142 1997
6095412 Host and user transaction system 156 1997
 
DIEBOLD, INCORPORATED (2)
7039600 ATM customer marketing system 76 1999
2005/0216,888 Method of developing automated banking machine instructions 55 2005
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (2)
6315195 Transaction apparatus and method 278 1998
2003/0217,005 Automated banking machine system and method 142 2003
 
CITICORP DEVELOPMENT CENTER, INC. (1)
6422459 Method and system for off-line loading of stored value cards using a batch-load terminal 108 1998
 
Europrint Holdings Limited (1)
2004/0242,308 Games of chance using a cash till roll 45 2004
 
H-Renee, Incorporated (1)
4992940 System and method for automated selection of equipment for purchase through input of user desired specifications 1294 1989
 
CITICORP CREDIT SERVICES, INC. (USA) (1)
6913193 Method and system of tracking and providing an audit trail of smart card transactions 41 1999
 
THIRD ACT LLC (2)
6044360 Third party credit card 385 1997
2004/0093,303 Third party debit card 124 2003
 
Union State Bank (1)
7006992 Risk assessment and management system 135 2000
 
CISCO TECHNOLOGY, INC. (1)
6687222 Backup service managers for providing reliable network services in a distributed environment 130 1999
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 118 2001
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4766539 Method of determining the premium for and writing a policy insuring against specified weather conditions 248 1987
 
Autoscribe Corporation (1)
6041315 Automated payment system and method 228 1997
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 59 2004
 
USA Technologies, Inc. (3)
5637845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 304 1995
6601040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 140 1999
6505095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 125 2001
 
J.P. MORGAN CHASE & CO (1)
2004/0193,539 Mutual fund card method and system 55 2004
 
WEEKS, STEPHEN M. (1)
7346567 Conditional fee ownership home financing system and business method 45 2002
 
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
5749075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 261 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 100 1999
 
SMART TONE, INC. (3)
5583933 Method and apparatus for the secure communication of data 150 1994
5745555 System and method using personal identification numbers and associated prompts for controlling unauthorized use of a security device and unauthorized access to a resource 193 1996
5825871 Information storage device for storing personal identification information 196 1996
 
INTEL CORPORATION (1)
5604542 Using the vertical blanking interval for transporting electronic coupons 461 1995
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (8)
4923288 Optical modulators based on polymers 112 1988
5247190 Electroluminescent devices 1334 1990
5401827 Semiconductive copolymers for use in luminescent devices 128 1991
5399502 Method of manufacturing of electrolumineschent devices 591 1993
5512654 Semiconductive copolymers for use in luminescent devices 112 1994
5672678 Semiconductive copolymers for use in luminescent devices 134 1995
5653914 Electroluminescent device comprising a chromophoric polymeric composition 149 1995
5807627 Electroluminescent devices 168 1997
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 117 2000
 
LEONHARD KURZ GMBH & CO. (1)
5383687 Value document and embossing foil for the production thereof 110 1993
 
CHASE MANHATTAN BANK USA, NATIONAL ASOCIATION (1)
2009/0265,275 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 29 2009
 
MAGTEK, INC. (1)
5814796 Terminal for issuing and processing data-bearing documents 199 1996
 
Paper Systems, Inc. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper 39 2005
 
Union Beach, L.P. (1)
5521363 System and method for tracking memory card transactions 182 1994
 
Licensys Pty Ltd (1)
D538349 Number plate 53 2005
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (1)
5970469 System and method for providing shopping aids and incentives to customers through a computer network 531 1996
 
SWYCHCO SUPPORT SERVICES PTY LTD (FORMERLY BONJADE PTY LTD) (2)
5970479 Methods and apparatus relating to the formulation and trading of risk management contracts 366 1993
6134536 Methods and apparatus relating to the formulation and trading of risk management contracts 233 1997
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 59 2002
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (6)
6227972 Method and apparatus for expiration of prepaid slot machine plays 227 1997
6163771 Method and device for generating a single-use financial account number 307 1997
6128599 Method and apparatus for processing customized group reward offers 450 1997
5999596 Method and system for controlling authorization of credit card transactions 214 1998
6128598 System and method for generating and executing insurance policies for foreign exchange losses 158 1999
6374230 Method, apparatus and program for customizing credit accounts 162 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)
5500514 Method and apparatus for generating gift certificates 197 1993
 
AFFINION NET PATENTS, INC. (1)
5774870 Fully integrated, on-line interactive frequency and award redemption program 644 1995
 
WALKER DIGITAL, LLC (1)
2002/0165,771 Method and apparatus for establishing prices for a plurality of products 119 2001
 
MICRO ENHANCEMENT INTERNATIONAL (2)
5857175 System and method for offering targeted discounts to customers 579 1995
7024374 Targeted marketing and purchase behavior monitoring system 90 2000
 
ALCATEL-LUCENT USA INC. (1)
6014636 Point of sale method and system 330 1997
 
CITICORP (1)
5914472 Credit card spending authorization control system 519 1997
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4752676 Reliable secure, updatable "cash" card system 242 1985
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 77 2003
 
WASHINGTON MUTUAL BANK, F.A. (1)
5734838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 449 1995
 
PrivaSys (1)
2007/0034,700 Electronic cards and methods for making same 161 2006
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5659741 Computer system and method for storing medical histories using a carrying size card 222 1995
5832488 Computer system and method for storing medical histories using a smartcard to store data 311 1997
 
ENTRYPOINT, INC. (1)
5740549 Information and advertising distribution system and method 1679 1995
 
CITRIX SYSTEMS, INC. (1)
6886046 Methods and apparatus for extendible information aggregation and presentation 76 2001
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (5)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 127 1999
D449336 Card with a blue ornamental rectangle 54 1999
6742704 Multiple-service card system 97 2001
2003/0023,549 Consolidated payment account system and method 129 2002
2009/0230,195 METAL-CONTAINING TRANSACTION CARD AND METHOD OF MAKING THE SAME 28 2009
 
INTERNET PROMISE GROUP, LLC (1)
7254560 Method and apparatus for an integrated identity security and payment system 38 2001
 
REALSOURCE, INC. (1)
5732136 Merchant specific debit card verification system 165 1997
 
SAMSUNG ELECTRONICS CO., LTD. (13)
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
2003/0193,657 Range finder device and camera 38 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (22)
4766293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 335 1986
4822985 Transaction approval system 128 1987
D310386 Transaction card 120 1987
4906826 Usage promotion method for payment card transaction system 149 1988
4870259 Transaction approval system 125 1989
4908521 Transaction approval system 130 1989
4943707 Transaction approval system 168 1989
5177342 Transaction approval system 299 1990
5175416 Funds transfer system 392 1991
5477038 Method and apparatus for distributing currency 483 1993
5465206 Electronic bill pay system 808 1993
5703344 Electronic funds confirmation at point of transaction 357 1995
5621201 Automated purchasing control system 448 1996
RE36365 Method and apparatus for distributing currency 288 1996
5920847 Electronic bill pay system 733 1996
6119103 Financial risk prediction systems and methods therefor 485 1997
6282522 Internet payment system using smart card 474 1997
RE37122 Method and apparatus for distributing currency 228 1998
6105008 Internet loading system using smart card 315 1998
6298336 Card activation at point of distribution 242 1998
7031939 Systems and methods for implementing person-to-person money exchange 156 2000
RE38255 Method and apparatus for distributing currency 150 2001
 
CHASE BANK USA, N.A. (1)
7163153 Selectable multi-purpose card 212 2003
 
WAYPOINT, INC. (1)
5835061 Method and apparatus for geographic-based communications service 408 1995
 
New View Technologies, Inc. (1)
6032859 Method for processing debit purchase transactions using a counter-top terminal system 249 1997
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 169 2000
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
5727153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 353 1995
5806044 System and method for distributing coupons through a system of computer networks 384 1996
5884278 Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register 208 1997
 
Value Benefits Insurance Agency, Inc. (1)
2003/0204,421 Integrated system and method for insurance products 78 2002
 
LYNXVALE LIMITED (1)
5328809 Patterning of semiconductive polymers 103 1991
 
RENESAS ELECTRONICS CORPORATION (1)
5664157 Noncontact IC card interface unit and communication system using the interface unit 123 1995
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6148297 Health care information and data tracking system and method 164 1998
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 115 2003
 
CHASE MANHATTAN BANK, THE (5)
5819234 Toll collection system 225 1996
6038552 Method and apparatus to process combined credit and debit card transactions 237 1997
6167385 Supply chain financing system and method 213 1998
6609113 Method and system for processing internet payments using the electronic funds transfer network 496 2000
2002/0095,365 Corporate products trading marketplace 134 2001
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (2)
7239226 System and method for payment using radio frequency identification in contact and contactless transactions 120 2002
6805287 System and method for converting a stored value card to a credit card 164 2002
 
The United States of America as represented by the Administrator of the National Aeronautics and Space Administration (1)
6223143 Quantitative risk assessment system (QRAS) 108 1998
 
M.A. Rivalto Inc. (1)
5482139 Automated drive-up vending facility 265 1995
 
TOURNAMENT HOLDINGS LTD., L.L.C. (1)
6048271 Automated league and tournament device 233 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (2)
6014634 System and method for providing shopping aids and incentives to customers through a computer network 665 1997
6026370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 447 1997
 
MARSHALL PATENT HOLDINGS, LLC (2)
5790636 Telephone travel card system under the control of its customers 112 1994
6295344 Telephone travel card system under the control of its customers 49 1998
 
QUALTEQ, INC. (1)
4897533 Credit card and method of making the same 233 1987
 
Quadnovation, Inc. (1)
6641049 Integrated circuit card with multiple integral electronic modules 109 2001
 
Pennsylvania Food Merchants Association (1)
5581064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 202 1994
 
THE OHIO STATE UNIVERSITY (1)
6004681 Light-emitting devices containing network electrode polymers in electron blocking layer 101 1997
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 292 2003
 
OneName Corporation (1)
6757710 Object-based on-line transaction infrastructure 250 2002
 
LIFEPROXY LLC (1)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 46 2001
 
NEOPOST TECHNOLOGIES (1)
6227445 Secure smart card access to pre-paid metering funds in meter 35 1998
 
Executing the Numbers, Inc. (1)
6119097 System and method for quantification of human performance factors 118 1997
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
7104443 Method and system for facilitating electronic funds transactions 221 2002
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6161096 Method and apparatus for modeling and executing deferred award instrument plan 174 1998
 
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions 54 2004
 
GE CAPITAL CORPORATION (1)
5991750 System and method for pre-authorization of individual account transactions 447 1997
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5361062 Personal security system 304 1992
 
Freddie Mac (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 63 2004
 
MicroBilt Corporation (1)
5466920 Real time decoding for card transaction terminal 57 1991
 
ACTIVCARD IRELAND LIMITED (5)
6373969 Corrective optical component 103 1999
6446210 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 137 1999
6434259 Method of providing secure user access 117 1999
6429927 Imaging device, especially for optical fingerprinting 112 1999
6498861 Biometric security encryption system 136 2000
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6138911 In-store points redemption system and method 245 1999
 
TALX CORPORATION (1)
2003/0149,660 Method and system for managing employee access to payroll information 42 2002
 
Steven Nichtberger (1)
4882675 Paperless system for distributing, redeeming and clearing merchandise coupons 535 1984
 
UPROMISE, INC. (1)
5471669 Coupon savings account system 259 1994
 
GENERAL COUNSEL'S OFFICE (1)
7243839 Systems, methods, and devices for selling transaction instruments 85 2005
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6105011 Security system and method for business transactions with customers 201 1998
 
OVERTURE SERVICES, INC. (1)
6173267 Method for product promotion 297 1998
 
GIESECKE & DEVRIENT GMBH (3)
6343743 Method of checking authenticity of a data carrier 76 1998
6382677 Security element and method for producing same 38 1999
7503503 Card laminate 31 2005
 
PERFECT PLASTIC PRINTING CORPORATION (1)
4938830 Plastic card and method of fabrication thereof 75 1988
 
HITACHI, LTD. (1)
6016954 Card holder-type balance reader 137 1997
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 48 2004
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5339239 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 289 1990
 
Brubaker, Randall E. (1)
6186793 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 129 1997
 
ARJO WIGGINS SECURITY SAS (1)
7128272 Method for making an article comprising a sheet and at least an element directly mounted thereon 28 2002
 
DEUTSCHE TELEKOM AG (1)
6693544 Electronic identification tag 105 2001
 
First Marketrust Intl. (1)
5537314 Referral recognition system for an incentive award program 777 1995
 
Call Processing, Inc. (2)
5511114 Telephone pre-paid calling card system and method 338 1994
5721768 Pre-paid card system and method 329 1996
 
Starbucks Corporation (1)
2005/0077,350 Dual card 88 2004
 
MONDEX INTERNATIONAL LIMITED (1)
5778067 Value transfer system 315 1996
 
KAPSCH TRAFFICCOM AB (1)
6109525 Method and device for registering vehicles in a road toll facility 151 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)
5305196 Check transaction processing, database building and marketing method and system utilizing automatic check reading 234 1992
5327508 Method and system for building a database and performing marketing based upon prior shopping history 216 1993
5621812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 578 1993
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 466 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 349 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 431 1994
6351735 Check transaction processing, database building and marketing method and system utilizing automatic check reading 134 1996
 
York Eggleston (1)
6061660 System and method for incentive programs and award fulfillment 621 1998
 
WINKLEVOSS TECHNOLOGIES, L.L.C. (1)
2004/0117,202 Method and system for determining benefits 45 2003
 
WYNN, SOL H. (1)
5859419 Programmable multiple company credit card system 467 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5742775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 284 1995
 
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5185697 Apparatus and method for managing crisis situations 85 1989
 
Bostec Systems, Inc. (2)
4978401 Card assembly method 115 1989
5080748 Card assembly apparatus 177 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6019284 Flexible chip card with display 303 1998
6068183 Chip card system 211 1998
5931764 Wearable device with flexible display 206 1998
6402039 Flexible chip card with display 181 1999
6450407 Chip card rebate system 419 2000
 
SUMMIT BANCORP (1)
6454647 Method and system for automated collect and win sweepstakes for ATM transactions 45 1999
 
CHECKFREE CORPORATION (1)
5383113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 654 1991
 
INVESTPIC, LLC (1)
6349291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 153 2000
 
FUJITSU LIMITED (10)
5481094 Point-of-sale terminal 199 1994
6003762 Transaction terminal for an electronic cashless system 264 1994
6129274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 432 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 44 2001
2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 94 2002
2005/0114,883 Information providing method, information providing apparatus, and computer-readable recording medium with information providing program recorded thereon 46 2004
2005/0060,260 Payment system, payment apparatus, and payment program storage medium 39 2004
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 89 2004
2005/0119,979 Transaction system and transaction terminal equipment 59 2004
 
SOUND VIEW INNOVATIONS, LLC (1)
6742125 Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol 26 1996
 
FIRST DATA CORPORATION (8)
7050996 Method for linking accounts corresponding to different products together to create a group 79 1999
6978369 Person-centric account-based digital signature system 103 2001
2004/0049,452 Multiple credit line presentation instrument 100 2002
2004/0088,238 Method and system for monitoring electronic transactions 44 2002
2003/0120,571 Authorizing transactions associated with accounts 50 2002
2003/0182,218 Chasing rewards associated with accounts 74 2003
2006/0036,543 Creating groups of linked accounts 74 2005
2006/0116,955 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 26 2006
 
BOWIE, STUART S. (1)
6195644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 185 1999
 
Xtreme Traffic Builders, Inc. (1)
6557750 Promotional mailing device 56 2002
 
CASIO COMPUTER CO., LTD. (1)
4754418 Combined electronic calculator and credit card 136 1985
 
Coupco, Inc. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 344 1991
 
S.F. IP PROPERTIES 33 LLC (1)
5163098 System for preventing fraudulent use of credit card 109 1990
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 91 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5728998 Secure smart card reader with virtual image display and pull-down options 117 1996
5770849 Smart card device with pager and visual image display 161 1996
5734154 Smart card with Iintegrated reader and visual image display 246 1996
5789733 Smart card with contactless optical interface 317 1996
 
Marflex International Inc. (1)
5503891 Flexible magnet attractant display mat 89 1994
 
BRIDGEPOINT SYSTEMS INC. (1)
5936221 Smart card system and method for transferring value 147 1997
 
Tamura Electric Works, Ltd. (2)
* 5546446 Public telephone system using a prepaid card to enable communication 51 1994
5563934 Pay phone call control apparatus for allowing calls using pre-paid cards 51 1995
 
PAYPAL INTERNATIONAL LIMITED (2)
5897621 System and method for multi-currency transactions 234 1996
6295522 Stored-value card value acquisition method and apparatus 218 1997
 
PAYPAL, INC. (2)
7047222 Secure encryption of data packets for transmission over unsecured networks 40 2000
2005/0171,842 Method and system for incentivizing the promotion of a payment service 44 2004
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 145 2003
 
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing 31 2004
 
JPMORGAN CHASE BANK, N.A. (46)
6227447 Cardless payment system 445 1999
6505168 System and method for gathering and standardizing customer purchase information for target marketing 159 1999
D437882 Transaction card 61 1999
7392224 System and method of operating a debit card reward program 115 1999
7113914 Method and system for managing risks 67 2000
6631849 Selectable multi-purpose card 473 2000
7295999 System and method for determining eligibility and enrolling members in various programs 56 2000
6341724 Cardless payment system 204 2001
2001/0034,682 International banking system and method 133 2001
2002/0077,978 Method and system for processing internet payments 376 2001
6945453 System and method for funding a collective account by use of an electronic tag 55 2001
7313546 System and method for currency selectable stored value instrument 8 2001
2003/0033,246 Sponsor funded stored value card 102 2002
7165049 Sponsor funded stored value card 107 2002
2003/0105,714 System and method for currency selectable stored value instrument 64 2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 279 2003
7676425 Method and system for providing flexible financing 24 2003
2004/0128,186 System and method for managing risks associated with outside service providers 94 2003
* 2005/0065,877 Method and system for distribution of unactivated bank account cards 53 2003
7130828 Debit purchasing of stored value card for use by and/or delivery to others 54 2003
2004/0122,736 System and method for granting promotional rewards to credit account holders 125 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 96 2004
2005/0091,492 Portable security transaction protocol 54 2004
7392222 System and method for providing promotional pricing 114 2004
7707111 Customer activated multi-value (CAM) card 35 2004
D530741 Transparent transaction card 44 2004
7171388 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7174314 Debit purchasing of stored value card for use by and/or delivery to others 26 2004
7174315 Debit purchasing of stored value card for use by and/or deliveries to others 67 2004
7174316 Debit purchasing of stored value card for use by and/or delivery to others 27 2004
7174317 Debit purchasing of stored value card for use by and/or delivery to others 55 2004
7363273 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7191952 Selectable multi-purpose card 114 2004
2005/0127,168 Debit purchasing of stored value card for use by and/or delivery to others 23 2005
7263507 Customer activated multi-value (CAM) card 54 2005
7660763 Customer activated multi-value (CAM) card 20 2005
7357331 Selectable multi-purpose card 57 2006
2007/0226,141 Debit Purchasing Of Stored Value Card For Use By And/Or Delivery To Others 8 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 85 2007
2008/0059,373 Debit Purchasing of Stored Value Card For Use By And/Or Delivery To Others 7 2007
D576671 Overlapping transaction device 42 2008
D602522 Transaction device 59 2008
D602986 Metal transaction device 59 2009
2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 37 2009
2009/0271,853 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 24 2009
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
5852812 Billing system for a network 589 1995
5721781 Authentication system and method for smart card transactions 670 1995
5883810 Electronic online commerce card with transactionproxy number for online transactions 727 1997
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions 633 1997
2001/0037,315 System and method for secure distribution of information via eMail 117 2000
 
WINBOND ELECTRONICS CORP. (1)
5877975 Insertable/removable digital memory apparatus and methods of operation thereof 123 1996
 
Electronic Consumer Concepts, L.L.C. (1)
5845259 Electronic coupon dispensing system 429 1996
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 48 2004
 
FAIR ISAAC CORPORATION (1)
6330546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 405 1998
 
ALTERNATIVE SYSTEMS, INC. (1)
5726884 Integrated hazardous substance tracking and compliance 200 1994
 
LEIGHTON, KEITH (1)
6557766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process 85 2000
 
CYARCH, LLC (1)
2003/0167,220 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 48 2001
 
THE PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration 46 2001
 
Allcard Financial Services, Inc. (1)
* 2005/0049,950 Method for depositing funds to a stored value card 81 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 76 2000
 
ROUNDMEUP, INC. (1)
7502758 Creation and distribution of excess funds, deposits, and payments 45 2001
 
C-SAM, INC. (2)
5590038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 841 1994
5884271 Device, system and methods of conducting paperless transactions 567 1996
 
MEGA GROUP INTERNATIONAL, LTD. (1)
6163770 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 263 1998
 
REGULATORY DATACORP, INC. (1)
2004/0024,693 Proprietary risk management clearinghouse 71 2003
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
7970722 System, method and computer program product for a collaborative decision platform 5 2009
8160988 System, method and computer program product for a collaborative decision platform 1 2010
8005777 System, method and computer program product for a collaborative decision platform 17 2010
 
LIFE TECHNOLOGIES CORPORATION (1)
* 2014/0180,859 SYSTEM AND METHOD FOR OFFERING AND MANAGING ONLINE PURCHASING CARD TRANSACTIONS 0 2014
 
JPMORGAN CHASE BANK, N.A. (1)
8571975 System and method for sending money via E-mail over the internet 0 1999
 
Tuitionfund, LLC. (1)
8589226 Methods and systems for providing a merchant funded incentive rebate or awards program 0 2012
* 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