US Patent No: 7,890,422

Number of patents in Portfolio can not be more than 2000

Multiple account advanced payment card and method of routing card transactions

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to transaction data and account identification data that is read from the card. This additional data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY2043

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fellner, Debra C Wilmington, DE 15 161
Fox, Steven Newark, DE 17 111
Hirka, Jeffrey L Wilmington, DE 24 226
Knackstedt, Lee Bear, DE 19 146

Cited Art Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (45)
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6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 118 1999
7,392,224 System and method of operating a debit card reward program 75 1999
6,557,039 System and method for managing information retrievals from distributed archives 188 1999
7,113,914 Method and system for managing risks 60 2000
6,631,849 Selectable multi-purpose card 347 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 47 2000
6,341,724 Cardless payment system 163 2001
2001/0034,682 International banking system and method 121 2001
6,945,453 System and method for funding a collective account by use of an electronic tag 43 2001
2003/0028,483 System and method for funding a collective account 51 2002
2003/0033,246 Sponsor funded stored value card 85 2002
7,165,049 Sponsor funded stored value card 86 2002
2003/0105,714 System and method for currency selectable stored value instrument 42 2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 202 2003
7,676,425 Method and system for providing flexible financing 19 2003
2005/0189,427 Coin-discriminator voucher anti-counterfeiting method and apparatus 29 2003
2004/0128,186 System and method for managing risks associated with outside service providers 75 2003
2005/0065,877 Method and system for distribution of unactivated bank account cards 46 2003
2004/0122,736 System and method for granting promotional rewards to credit account holders 75 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 63 2004
2005/0091,492 Portable security transaction protocol 41 2004
7,392,222 System and method for providing promotional pricing 92 2004
2005/0086,167 Customer activated multi-value (CAM) card 32 2004
7,707,111 Customer activated multi-value (CAM) card 27 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 33 2004
7,191,952 Selectable multi-purpose card 83 2004
7,263,507 Customer activated multi-value (CAM) card 38 2005
7,660,763 Customer activated multi-value (CAM) card 17 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 65 2005
7,591,416 Selectable multi-purpose card 39 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 22 2006
7,311,244 System and method for funding a collective account by use of an electronic tag 22 2006
7,357,331 Selectable multi-purpose card 46 2006
2007/0078,719 S/M for offering reward programs 32 2006
2007/0156,530 System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories 30 2007
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D576671 Overlapping transaction device 26 2008
D582476 Pivoting transaction device 30 2008
D582977 Transaction device 49 2008
2008/0277,465 METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS 28 2008
D602522 Transaction device 34 2008
D602986 Metal transaction device 41 2009
2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 30 2009
 
VISA INTERNATIONAL SERVICE ASSOCIATION (23)
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4,908,521 Transaction approval system 107 1989
4,943,707 Transaction approval system 141 1989
5,177,342 Transaction approval system 255 1990
5,175,416 Funds transfer system 353 1991
5,477,038 Method and apparatus for distributing currency 404 1993
5,465,206 Electronic bill pay system 705 1993
5,703,344 Electronic funds confirmation at point of transaction 302 1995
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5,920,847 Electronic bill pay system 628 1996
6,119,103 Financial risk prediction systems and methods therefor 386 1997
5,963,925 Electronic statement presentment system 387 1997
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6,105,008 Internet loading system using smart card 261 1998
6,560,581 System and method for secure electronic commerce transaction 261 1998
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AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (21)
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2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 57 2002
6,764,014 Transaction card 102 2002
2003/0023,549 Consolidated payment account system and method 107 2002
7,606,730 System and method for a multiple merchant stored value card 25 2002
6,845,906 System and method for selecting financial services 31 2003
7,530,491 Metal-containing transaction card and method of making the same 26 2003
2005/0021,353 DONATION SYSTEM AND METHOD 49 2004
2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE 64 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 123 2004
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7,588,184 Metal-containing transaction card and method of making the same 34 2005
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7,494,057 Metal-containing transaction card and method of making the same 29 2007
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CITIBANK, N.A. (19)
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6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 262 1996
6,112,190 Method and system for commercial credit analysis 219 1997
6,029,153 Method and system for analyzing and handling the customer files of a financial institution 99 1997
5,920,629 Electronic-monetary system 287 1997
5,953,423 Electronic-monetary system 156 1997
5,963,648 Electronic-monetary system 215 1997
6,047,067 Electronic-monetary system 256 1997
6,895,386 Stock credit card 67 1998
6,098,053 System and method for performing an electronic financial transaction 440 1999
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7,051,001 System and method for merchant function assumption of internet checking and savings account transactions 32 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 149 1999
7,092,905 Systems and methods for the processing of financial transactions 62 2001
 
CATALINA MARKETING CORPORATION (16)
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5,974,399 Method and apparatus for generating purchase incentives based on price differentials 265 1997
6,260,758 Promotional financial transaction machine method 64 1998
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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 131 1999
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7,398,248 System and method for using cards for sponsored programs 31 2002
 
THE WESTERN UNION COMPANY (15)
5,326,960 Currency transfer system and method 199 1992
5,350,906 Currency transfer system and method using fixed limit cards 446 1992
5,650,604 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds 246 1995
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7,092,916 Electronic identifier payment system and methods 65 2001
6,814,282 Systems and methods of introducing and receiving information across a computer network 108 2002
7,107,249 Electronic identifier payment systems and methods 76 2002
2003/0222,136 Stored value education account 71 2002
2003/0130,940 Value transfer systems and methods 88 2002
2003/0130,948 Automated transfer with stored value 101 2003
2003/0135,459 Stored value payouts 106 2003
7,315,843 Electronic identifier payment systems and methods 47 2006
 
CHESS VENTURES LLC (14)
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 47 2001
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INTERNATIONAL BUSINESS MACHINES CORPORATION (14)
5,717,925 Information catalog system with object-dependent functionality 203 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 65 1996
5,796,827 System and method for near-field human-body coupling for encrypted communication with identification cards 203 1996
6,029,144 Compliance-to-policy detection method and system 187 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 39 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 231 1998
6,675,149 Information technology project assessment method, system and program product 69 1999
6,567,786 System and method for increasing the effectiveness of customer contact strategies 126 1999
6,671,673 Method for integrated supply chain and financial management 191 2000
2003/0154,125 Pesonalisation of promotional offers 79 2001
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2006/0289,636 Food card to restrict purchases 20 2005
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MASTERCARD INTERNATIONAL INCORPORATED (14)
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5,704,046 System and method for conducting cashless transactions 294 1996
6,315,193 Financial transaction card with installment loan feature 131 1998
6,473,500 System and method for using a prepaid card 417 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 120 2001
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2008/0230,600 METHOD, SYSTEM, AND APPARATUS FOR CONDUCTING A PURCHASE TRANSACTION 25 2007
 
INTER*ACT SYSTEMS, INCORPORATED (13)
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5,237,620 Check reader method and system for reading check MICR code 203 1992
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FIRST DATA CORPORATION (12)
4,321,672 Financial data processing system 660 1979
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2004/0049,452 Multiple credit line presentation instrument 79 2002
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FUJITSU LIMITED (11)
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UNWIRED PLANET, LLC (11)
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 6 2000
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BANK ONE, DELAWARE, NATIONAL ASSOCIATION (9)
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5,988,509 Refundable prepaid telephone card 148 1997
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HOME ACCOUNT NETWORK, INC. (8)
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PRIVASYS, INC. (8)
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2003/0061,168 Method for generating customer secure card numbers 12 2001
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2003/0061,168 Method for generating customer secure card numbers 12 2001
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XATRA FUND MX, LLC (8)
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2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 52 2004
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CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
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NCR CORPORATION (7)
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WALKER DIGITAL, LLC (7)
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2002/0165,771 Method and apparatus for establishing prices for a plurality of products 92 2001
 
ACS State & Local Solutions, Inc. (6)
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ASSA ABLOY AB (6)
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BANK OF AMERICA CORPORATION (6)
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CHASE MANHATTAN BANK, THE (6)
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6,038,552 Method and apparatus to process combined credit and debit card transactions 199 1997
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KABUSHIKI KAISHA TOSHIBA (6)
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5,710,458 Card like semiconductor device 155 1995
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PHOENIX LICENSING, LLC (6)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 418 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 295 1997
6,999,938 Automated reply generation direct marketing system 74 1999
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 135 2003
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RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
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5,365,575 Telephonic-interface lottery system 174 1991
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SIGNATURE SYSTEMS LLC (6)
6,594,640 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 197 2000
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6,820,061 Method and system for exchange and aggregation of reward points via a global computer network 89 2003
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ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 92 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 122 1999
6,434,259 Method of providing secure user access 103 1999
6,429,927 Imaging device, especially for optical fingerprinting 97 1999
6,498,861 Biometric security encryption system 104 2000
 
AT&T CORP. (5)
6,192,113 Method and apparatus for phone card billing 51 1995
5,675,607 Method and apparatus for facilitating the making of card calls 106 1995
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AT&T IPM CORP. (5)
5,479,494 Virtual calling card system 251 1992
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BRADY WORLDWIDE, INC. (5)
D466929 Security pass 57 2002
D467271 Security pass 56 2002
D467272 Security pass 54 2002
D474235 Security pass 75 2002
D477359 Security pass 67 2002
 
CHASE MANHATAN BANK USA, N.A. (5)
6,615,189 Debit purchasing of stored value card for use by and/or delivery to others 155 1998
6,032,136 Customer activated multi-value (CAM) card 375 1998
6,615,190 Sponsor funded stored value card 194 2000
6,865,547 Customer activated multi-value (CAM) card 127 2000
6,892,187 Debit purchasing of stored value card for use by and/or delivery to others 52 2003
 
GENERAL ELECTRIC COMPANY (5)
4,845,347 Transaction system 65 1986
5,696,907 System and method for performing risk and credit analysis of financial service applications 263 1995
5,991,743 System and method for proactively monitoring risk exposure 132 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 146 1998
6,675,127 Computerized systems and methods for managing project issues and risks 82 2001
 
GIESECKE & DEVRIENT GMBH (5)
6,343,743 Method of checking authenticity of a data carrier 68 1998
6,382,677 Security element and method for producing same 33 1999
6,726,813 Security device and method for producing it 24 2002
7,479,320 Security element and method for producing the same 28 2002
7,503,503 Card laminate 20 2005
 
LUCENT TECHNOLOGIES INC. (5)
5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 378 1993
5,608,785 Method and apparatus for telephone prize opportunities 144 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 450 1994
5,857,079 Smart card for automatic financial records 291 1994
5,729,693 System and method to automatically provide an electronic consumer rebate 214 1996
 
MICROSOFT CORPORATION (5)
5,852,812 Billing system for a network 513 1995
5,721,781 Authentication system and method for smart card transactions 547 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 620 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 521 1997
2001/0037,315 System and method for secure distribution of information via eMail 85 2000
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 256 1998
6,068,183 Chip card system 173 1998
5,931,764 Wearable device with flexible display 173 1998
6,402,039 Flexible chip card with display 159 1999
6,450,407 Chip card rebate system 299 2000
 
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card 147 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 43 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 42 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 41 2007
 
COIN, INC. (4)
2006/0249,574 Automated payment card fraud detection and location 53 2006
D562888 Payment card with a full pan display 27 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 67 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 47 2006
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (4)
5,777,305 Package assembly and method for activating prepaid debit cards 258 1996
6,575,361 System and method for managing stored-value card data 109 2000
7,083,084 System and method for managing stored-value card data 58 2003
D533220 Card assembly with vertical magnetic stripes 65 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 103 1996
5,770,849 Smart card device with pager and visual image display 143 1996
5,734,154 Smart card with Iintegrated reader and visual image display 148 1996
5,789,733 Smart card with contactless optical interface 271 1996
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (4)
5,999,624 Remote financial transaction system 200 1996
7,275,160 Trusted system 22 2001
2003/0046,542 Method and apparatus for using a secret in a distributed computing system 32 2001
6,732,919 System and method for using a multiple-use credit card 133 2002
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems 61 2002
D490840 Proximity interface for transaction acceptance systems 48 2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems 53 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 46 2003
 
MITSUBISHI DENKI KABUSHIKI KAISHA (4)
4,928,001 Secret information preserving system for a multiple issuer IC card 160 1988
5,202,286 Method of forming three-dimensional features on substrates with adjacent insulating films 70 1991
6,045,042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption 93 1992
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards 169 1995
 
SONY ELECTRONICS INC. (4)
2002/0070,976 Selectively disclosing and teaching previously unused features in a multi-function system 19 2000
2002/0073,042 Method and apparatus for secure wireless interoperability and communication between access devices 45 2000
6,595,342 Method and apparatus for a biometrically-secured self-service kiosk system for guaranteed product delivery and return 78 2000
2002/0147,683 Method for purchasing web based digital media 25 2001
 
TOTAL FINA ELF (4)
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
 
BMC RESOURCES, INC. (3)
5,652,786 Automated interactive bill payment system 250 1996
5,715,298 Automated interactive bill payment system using debit cards 193 1997
5,870,456 Automated interactive bill payment system using debit cards 214 1997
 
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system 144 1997
6,278,996 System and method for message process and response 90 1998
6,411,947 Automatic message interpretation and routing system 108 1998
 
CAPITAL ONE FINANCIAL CORPORATION (3)
5,933,817 Tiered interest rate revolving credit system and method 215 1996
2002/0156,723 System and method for providing extra lines of credit 87 2001
2003/0074,290 Methods, systems and articles of manufacture for managing delinquent financial accounts 50 2002
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (3)
4,723,212 Method and apparatus for dispensing discount coupons 452 1987
4,910,672 Method and apparatus for dispensing discount coupons 452 1987
5,173,851 Method and apparatus for dispensing discount coupons in response to the purchase of one or more products 478 1990
 
DECISIONING.COM, INC. (3)
5,870,721 System and method for real time loan approval 602 1996
5,940,811 Closed loop financial transaction method and apparatus 460 1996
6,105,007 Automatic financial account processing system 402 1999
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (3)
6,315,195 Transaction apparatus and method 219 1998
2003/0217,005 Automated banking machine system and method 93 2003
7,025,256 Automated banking machine system and method 63 2004
 
DIEBOLD, INCORPORATED (3)
7,039,600 ATM customer marketing system 52 1999
2002/0133,461 Automated banking machine processing system and method 39 2002
2005/0216,888 Method of developing automated banking machine instructions 41 2005
 
EBAY INC. (3)
6,267,292 Method and apparatus for funds and credit line transfers 237 1999
7,047,222 Secure encryption of data packets for transmission over unsecured networks 28 2000
2005/0171,842 Method and system for incentivizing the promotion of a payment service 34 2004
 
GENERAL ELECTRIC CAPITAL CORPORATION (3)
6,856,973 Methods and systems for assessing creditworthiness of a country 73 1999
6,970,830 Methods and systems for analyzing marketing campaigns 119 1999
7,392,221 Methods and systems for identifying early terminating loan customers 31 2001
 
GENWORTH HOLDINGS, INC. (3)
6,912,502 System and method for compliance management 89 1999
7,398,241 Method and system for portable retirement investment 62 2001
2002/0194,098 System and method for guaranteeing minimum periodic retirement income payments using an adjustment account 71 2002
 
GILBARCO INC. (3)
6,078,888 Cryptography security for remote dispenser transactions 213 1997
6,574,603 In-vehicle ordering 152 1998
6,089,284 Preconditioning a fuel dispensing system using a transponder 105 1998
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 191 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 150 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 162 1998
 
MICRO ENHANCEMENT INTERNATIONAL (3)
5,857,175 System and method for offering targeted discounts to customers 480 1995
6,484,146 System for offering targeted discounts to customers and collecting purchasing behavior data 73 1997
7,024,374 Targeted marketing and purchase behavior monitoring system 60 2000
 
MOTOROLA MOBILITY LLC (3)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 254 1996
6,105,006 Transaction authentication for 1-way wireless financial messaging units 88 1997
6,265,977 Radio frequency identification tag apparatus and related method 341 2000
 
NEXTCARD, LLC (3)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 328 1998
6,405,181 Method and apparatus for real time on line credit approval 256 1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 123 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4,746,787 IC card with display and card recording and reading device 130 1985
5,146,068 System for authenticating an authorized user of an IC card 87 1990
6,338,048 Electronic transaction system 106 1999
 
Omron Tateisi Electronics Co. (3)
4,736,094 Financial transaction processing system using an integrated circuit card device 196 1985
4,851,650 Transaction processing apparatus having a plurality of bank account numbers 40 1985
5,140,517 IC card with keyboard for prestoring transaction data 82 1990
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 124 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 160 1996
5,825,871 Information storage device for storing personal identification information 165 1996
 
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 314 1995
5,806,044 System and method for distributing coupons through a system of computer networks 332 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 155 1997
 
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 254 1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 99 1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 94 2001
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (3)
5,949,044 Method and apparatus for funds and credit line transfers 316 1997
6,227,972 Method and apparatus for expiration of prepaid slot machine plays 156 1997
6,128,599 Method and apparatus for processing customized group reward offers 361 1997
 
ACCENTURE GLOBAL SERVICES LIMITED (2)
7,167,844 Electronic menu document creator in a virtual financial environment 200 1999
6,895,383 Overall risk in a system 77 2002
 
ALEXSAM, INC. (2)
6,000,608 Multifunction card system 350 1997
6,189,787 Multifunctional card system 389 1999
 
AMAZON.COM, INC. (2)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 506 1995
5,960,411 Method and system for placing a purchase order via a communications network 1235 1997
 
Bancorp Services, L.L.C. (2)
5,999,917 Automated system for managing a non-qualified deferred compensation plan 82 1996
5,926,792 System for managing a stable value protected investment plan 117 1998
 
BLOCK FINANCIAL LLC (2)
6,014,645 Real-time financial card application system 393 1996
7,310,617 Real-time financial card offer and application system 52 1999
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 104 1989
5,080,748 Card assembly apparatus 159 1990
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 626 1994
5,884,271 Device, system and methods of conducting paperless transactions 455 1996
 
Call Processing, Inc. (2)
5,511,114 Telephone pre-paid calling card system and method 304 1994
5,721,768 Pre-paid card system and method 293 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (2)
6,014,634 System and method for providing shopping aids and incentives to customers through a computer network 567 1997
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 353 1997
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
5,744,787 System and method for retail 127 1995
6,065,675 Processing system and method for a heterogeneous electronic cash environment 276 1998
 
CASIO COMPUTER CO., LTD. (2)
4,754,418 Combined electronic calculator and credit card 124 1985
4,697,072 Identification card and authentication system therefor 111 1985
 
CHECKFREE CORPORATION (2)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 598 1991
6,289,322 Electronic bill processing 327 1998
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 425 1997
6,188,309 Method and apparatus for minimizing credit card fraud 102 1998
 
CITICORP DEVELOPMENT CENTER, INC. (2)
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal 98 1998
6,913,193 Method and system of tracking and providing an audit trail of smart card transactions 30 1999
 
Cubic Corporation (2)
6,655,587 Customer administered autoload 38 2002
2006/0261,927 Smart card receiver and system for pulsed RF fields 28 2006
 
Data Medi-Card, Inc. (2)
4,575,127 Medical data card having internal illumination 29 1985
4,648,189 Laminated medical data card 66 1985
 
DELIVERM CONSULTING B.V., LLC (2)
7,401,049 System and method for a prepaid card issued by a foreign financial institution 18 2002
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability 80 2003
 
EVERY PENNY COUNTS, INC. (2)
6,112,191 Method and system to create and distribute excess funds from consumer spending transactions 275 1995
6,876,971 Funds distribution system connected with point of sale transaction 76 2000
 
Exxon Research and Engineering Company (2)
5,072,380 Automatic vehicle recognition and customer billing system 158 1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 149 1993
 
Financial Engineering Associates, Inc. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading 247 1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination 104 1998
 
FIRST USA (2)
D493195 Transaction card 39 2000
D481068 Translucent transaction card 54 2000
 
FIRST USA BANK, N.A. (2)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 205 1998
6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium 179 1999
 
GLOBAL SECURITY TECHNOLOGIES, INC. (2)
6,655,598 Methods of creating a tamper resistant informational article 28 2000
6,715,797 Methods of creating a tamper resistant informational article 48 2002
 
HEWLETT-PACKARD COMPANY (2)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 292 1990
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 518 1996
 
IBBOTSON ASSOCIATES, INC. (2)
7,216,099 Automatically allocating and rebalancing discretionary portfolios 23 2002
7,120,601 Optimal asset allocation during retirement in the presence of fixed and variable immediate life annuities (payout annuities) 50 2002
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 111 2002
2004/0243,498 Interest bearing gift card mechanisms 82 2004
 
IGT (2)
6,377,669 Method and apparatus for awarding and redeeming prepaid telephone time 75 1998
6,558,255 Method and apparatus for expiration of prepaid slot machine plays 78 2001
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 194 1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data 244 1997
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 126 1997
6,095,412 Host and user transaction system 136 1997
 
Intellicard International, Inc. (2)
4,614,861 Unitary, self-contained card verification and validation system and method 558 1984
4,707,594 Unitary, self-contained consumer transaction card 67 1985
 
INTERMEC IP CORP. (2)
5,557,092 Apparatus and method for 16-bit and numeric data collection using bar code symbologies 34 1994
6,529,880 Automatic payment system for a plurality of remote merchants 176 1999
 
JET LITHOCOLOR, INC. (2)
6,491,782 Method of producing foil laminate with double-sided printing 36 2000
6,924,026 Foil laminate credit card and method of producing foil laminate credit card with double-sided printing 19 2002
 
LEIGHTON TECHNOLOGIES LLC (2)
6,036,099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom 211 1997
6,557,766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process 72 2000
 
LEVEL Z, L.L.C. (2)
2002/0091,649 System and method providing stored value payment in multiple level enterprise 31 2001
2002/0165,820 Prepaid electronic cash system with pin vending machines 80 2001
 
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers 94 1994
6,295,344 Telephone travel card system under the control of its customers 41 1998
 
MONEYFAX, INC. (2)
4,454,414 Funds transfer system using optically coupled, portable modules 435 1982
5,122,950 Method of and system for electronic funds transfer via facsimile machines 149 1989
 
MOORE NORTH AMERICA, INC. (2)
5,760,381 Prepaid card 210 1996
2002/0046,089 Targeted advertising brochure and method for its use 67 2000
 
NANJI, ANVAR (2)
5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower 280 1992
5,797,133 Method for automatically determining the approval status of a potential borrower 291 1997
 
OFFSHORE BENEFITS, LLC (2)
6,411,939 Computer-aided method, machine, and products produced thereby, for illustrating a replacement of a benefit plan that is viable at one location but not viable at the location of the replacement 72 1999
2003/0078,815 Method for generating a study of a benefit plan for international employees of an outsourced client 31 2002
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 273 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 257 1996
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,948,174 Financial data processing system 271 1989
5,121,945 Financial data processing system 260 1990
 
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions 191 1996
6,295,522 Stored-value card value acquisition method and apparatus 181 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 1498 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 462 1997
 
SEIKO EPSON CORPORATION (2)
6,961,710 Method for billing for advertisements printed on check-out receipts 38 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 38 2003
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 452 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 461 1995
 
SONY CORPORATION (2)
5,845,260 System and method for parent-controlled charging for on-line services 217 1996
6,942,156 Noncontact IC card 45 2001
 
Swychco Support Services Pty. Ltd. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 332 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 213 1997
 
Tamura Electric Works, Ltd. (2)
5,546,446 Public telephone system using a prepaid card to enable communication 46 1994
5,563,934 Pay phone call control apparatus for allowing calls using pre-paid cards 44 1995
 
TELETOUCH COMMUNICATIONS, INC. (2)
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 41 2005
7,252,223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 63 2005
 
THIRD ACT LLC (2)
6,044,360 Third party credit card 285 1997
2004/0093,303 Third party debit card 98 2003
 
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management 99 2001
2002/0111,916 Payment management 71 2001
 
U.S. Philips Corporation (2)
4,380,699 Portable, identifying element constructed as a lamination of sheets 62 1981
4,465,206 Device for the simultaneous mounting of components on a carrier 72 1983
 
VERIZON BUSINESS GLOBAL LLC (2)
6,507,644 Pre-paid telephone calling card linked to a stored value account 83 1999
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 84 2001
 
VERIZON SERVICES CORP. (2)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 212 1995
5,621,787 Prepaid cash card 267 1995
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 90 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 49 2004
 
YT ACQUISITION CORPORATION (2)
5,805,719 Tokenless identification of individuals 370 1997
6,192,142 Tokenless biometric electronic stored value transactions 83 1999
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card 76 1998
 
A.W. Faber-Castel U.S.A. (1)
6,484,428 Double-sided magnet with graphical image on each side 48 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 76 2005
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 646 1996
 
Adhesives Technology Corporation 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack 54 1991
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 537 1995
 
AKAMAI TECHNOLOGIES, INC. (1)
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 19 2009
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 281 1997
 
Alfi S.r.l. (1)
6,045,050 Prepaid or stored-value card with means for preventing useful fraudulent alteration 44 1998
 
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method 155 2001
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 60 2004
 
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 258 1995
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 182 1994
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 84 2004
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 323 1981
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 95 2001
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 145 1992
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 295 2000
 
ARJO WIGGINS SECURITY SAS (1)
7,128,272 Method for making an article comprising a sheet and at least an element directly mounted thereon 24 2002
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 151 1998
 
ASSET TRUST, INC. (1)
2008/0027,841 System for integrating enterprise performance management 65 2002
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 41 2004
 
Assured Equities, Inc. (1)
6,064,985 Automated portfolio management system with internet datafeed 252 1998
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 135 1985
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 301 1993
 
ATTITUDE MEASUREMENT CORPORATION (1)
5,489,123 Packaging label including pre-approved incentive card 65 1995
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 292 1994
 
BANK OF MONTREAL (1)
2003/0167,218 Modular financial service instrument 28 2002
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 171 1998
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 234 1997
 
Blane, Canada Ltd. (1)
6,757,660 Method for analyzing information to provide an objective assessment of a predefined subject 46 1999
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 412 1994
 
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 153 1999
 
BRIDGEPOINT SYSTEMS, INC. (1)
5,936,221 Smart card system and method for transferring value 134 1997
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1351 1995
 
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 111 1997
 
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities 65 2002
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 103 1988
 
BULL S.A. (1)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment 90 1991
 
BUTCHER, GEORGE H., III (1)
7,266,524 Method, software program, and system for isolating risk in a financial transaction 14 2000
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 192 1996
 
CANON KABUSHIKI KAISHA (1)
D305887 Optically stored data card 93 1988
 
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 64 2000
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 371 1990
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 40 2005
 
CARLSON MARKETING WORLDWIDE, INC. (1)
6,138,911 In-store points redemption system and method 188 1999
 
Cash Technologies, Inc. (1)
6,308,887 Multi-transactional architecture 310 1999
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 416 1995
 
CHARITABLE PROPERTY DONATIONS (1)
2007/0203,825 SYSTEMS AND METHODS FOR ENABLING CHARITABLE CONTRIBUTIONS FROM PROPERTY 21 2004
 
CHASE BANK USA, NATIONAL ASSOCIATION (1)
2003/0187,787 System and process for performing purchase transactions using tokens 125 2003
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 110 1999
 
CITRIX SYSTEMS, INC. (1)
6,886,046 Methods and apparatus for extendible information aggregation and presentation 56 2001
 
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 150 1995
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 202 1994
 
COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
5,532,689 Method of transmitting data quickly and securely from a smart card during a remote transaction 85 1994
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 107 2001
 
Computerized Data Ssytems for Mfg., Inc. (1)
5,049,728 IC card system with removable IC modules 215 1990
 
CONSTELLATION TECHNOLOGIES LLC (1)
6,021,189 System for controlling usage of phone debit cards 47 1997
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 446 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 42 2004
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 373 1984
 
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 301 1991
 
Creative Games International, Inc. (1)
6,134,309 Pre-paid phone card system with promotional link 97 1997
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 69 2002
 
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system 523 1994
 
CYARCH, LLC (1)
2003/0167,220 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 32 2001
 
CYBERSETTLE.COM, INC. (1)
6,954,741 Computerized dispute resolution system and method 57 1999
 
Dai Nippon Insatsu Kabushiki Kaisha (1)
4,856,857 Transparent reflection-type 247 1988
 
DAI NIPPON PRINTING CO., LTD. (1)
6,002,383 Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back 108 1996
 
DATASCAPE, 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 80 1999
 
DATATREASURY CORPORATION (1)
5,787,403 Bank-centric service platform, network and system 287 1995
 
DATAWAVE SYSTEMS, INC. (1)
6,659,259 Multiple denomination currency receiving and prepaid card dispensing method and apparatus 60 2001
 
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 419 1993
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6,105,009 Automated teller machine dispenser of debit cards 100 1998
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 167 2000
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 130 1999
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 309 1989
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 92 2001
 
Dittler Brothers Incorporated (1)
4,817,949 Automated teller machine transaction receipts with integral promotional game 47 1987
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 254 2000
 
DS-IQ, INC. (1)
6,330,543 Method and system for distributing and reconciling electronic promotions 195 1998
 
DUBINSHIRE LTD., LLC (1)
6,886,741 Electronic transaction system 37 2004
 
E-Scoring, Inc. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants 148 2000
 
e-Vantage International, Inc. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market 197 2001
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 100 2000
 
EASTMAN KODAK COMPANY (1)
7,063,924 Security device with patterned metallic reflection 34 2002
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 376 1996
 
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations 69 1989
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1289 1995
 
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll 34 2004
 
Executing the Numbers, Inc. (1)
6,119,097 System and method for quantification of human performance factors 101 1997
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 522 1996
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 300 1998
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 120 2002
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 674 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 927 1995
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 662 1987
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 156 1984
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 70 2000
 
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections 126 1997
 
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 199 1997
 
Freddie Mac (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 53 2004
 
FUTURELOGIC, INC. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment 42 2005
 
G & D CARDTECH, INC. (1)
6,644,551 Card 74 2001
 
GALAXIA COMMUNICATIONS INC. (1)
6,793,135 Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards 60 2001
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 390 1997
 
GEMALTO SA (1)
5,901,303 Smart cards, systems using smart cards and methods of operating said cards in systems 146 1996
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 67 2005
 
GENWORTH FINANCIAL, INC. (1)
2004/0172,350 System and method for cross funding of multiple annuity contracts 65 2002
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 164 1993
 
GOEKEN GROUP CORP. (1)
5,617,474 Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot 54 1990
 
GOLDENSOURCE CORPORATION (1)
6,513,019 Financial consolidation and communication platform 275 1999
 
GOLDMAN, SACHS & CO. (1)
2004/0024,693 Proprietary risk management clearinghouse 57 2003
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 168 2003
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 50 2004
 
GROUPON, INC. (1)
6,327,573 Multiple party reward system utilizing single account 227 1998
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1136 1989
 
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 316 1990
 
HE, KAI-CHIEN (1)
6,581,845 Chip-base plastic currency with cash amount loading function 20 2001
 
HITACHI CAPITAL CORPORATION (1)
2002/0029,191 Settlement system with IC card, IC card, method of settlement 21 2001
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 118 1997
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 409 1996
 
IN-STORE BROADCASTING NETWORK, LLC (1)
2005/0234,771 Method and system for providing intelligent in-store couponing 62 2005
 
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head 220 1993
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 204 2003
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 373 1995
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 229 1998
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 114 1998
 
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 223 1995
 
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card 74 2000
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 230 1987
 
INTERNET PROMISE GROUP, LLC (1)
7,254,560 Method and apparatus for an integrated identity security and payment system 21 2001
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 260 1995
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 141 2000
 
IP-TPG HOLDCO S.A.R.L. (1)
5,572,004 Method for paying for services and/or goods and apparatus for carrying out the method 120 1995
 
IVI CHECKMATE CORP. (1)
2002/0165,829 Financial transaction processing system 9 2001
 
IZER INTERNATIONAL, A CORP. OF CA (1)
4,643,452 Business card attaching strip 98 1985
 
J.J. & Associates Inc. (1)
2002/0082,990 Method of invoice presentation and payment 91 2000
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 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 258 1990
 
JEFFERSON CAPITAL SYSTEMS, LLC (1)
2005/0102,228 System and method for providing a credit account for debt recovery 40 2003
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 83 2004
 
Juergen Dethloff (1)
4,837,422 Multi-user card system 434 1987
 
K. B., INC. (1)
2009/0250,522 Method and Material for Manufacturing Electrically Conductive Patterns, Including Radio Frequency Identification (RFID) Antennas 19 2006
 
KALINA, DYAN T. (1)
5,970,480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 147 1997
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 131 1998
 
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 70 1999
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 50 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags 109 2001
 
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 24 2001
 
KYODO PRINTING CO., LTD. (1)
2009/0242,645 NON-CONTACT TYPE IC CARD 25 2007
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 210 1985
 
LDC Direct Ltd. (1)
6,169,975 Point-of-distribution pre-paid card vending system 154 1997
 
LEAD CORE FUND, L.L.C. (1)
7,216,091 Stored value transaction system including an integrated database server 95 1999
 
LENDING TREE. THE (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 246 1998
 
LEONHARD KURZ GMBH & CO. (1)
5,383,687 Value document and embossing foil for the production thereof 100 1993
 
LEVEL A, L.L.C. (1)
6,834,796 Anonymous redemption and stored value system and method 21 2002
 
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method 88 2001
 
Licensys Pty Ltd (1)
D538349 Number plate 46 2005
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment 144 1985
 
LIVINGSTON INTERNATIONAL TECHNOLOGY SERVICES CORPORATION (1)
2009/0150,370 System and Method For Restricted Party Screening and Resolution Services 23 2007
 
Lobar Code Inc. (1)
5,665,953 Self-contained personal data collector for redeeming coupons 173 1996
 
LUCKY TAB HOLDINGS, LLC (1)
5,928,082 Voucher and game ticket combination and apparatus and method used therewith 198 1997
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 93 1991
 
M & R Industries, Inc. (1)
4,839,504 IC card system compatible with bank account system 160 1987
 
M.A. Rivalto, Inc. (1)
5,482,139 Automated drive-up vending facility 224 1995
 
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 149 1996
 
Marflex International Inc. (1)
5,503,891 Flexible magnet attractant display mat 65 1994
 
Martiz, Inc. (1)
5,689,100 Debit card system and method for implementing incentive award program 377 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 231 1998
 
MEMONEYS INC. (1)
7,502,758 Creation and distribution of excess funds, deposits, and payments 29 2001
 
MERIDIAN ENTERPRISES CORPORATION (1)
6,222,914 System and method for administration of an incentive award system having a delayed award payment using a credit instrument 267 1998
 
Meridian Enterprises, Inc. (1)
5,025,372 System and method for administration of incentive award program through use of credit 569 1989
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 41 2005
 
METLIFE LIFE INSURANCE COMPANY (1)
5,806,047 System for combined pool portfolio 131 1995
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 50 2001
 
MicroBilt Corporation (1)
5,466,920 Real time decoding for card transaction terminal 46 1991
 
Midnight Blue Remote Access LLC (1)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information 303 1999
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 405 1994
 
Minerva, L.P. (1)
5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy 252 1995
 
Mitsubishi Electric Semiconductor Software Co., Ltd. (1)
5,736,728 Non contact IC card and a non contact IC card system 114 1995
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 127 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 138 1999
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 265 1996
 
MoneyAbility Technology, LLC (1)
2006/0085,334 Dynamic financial liability management 81 2004
 
Mordechai Teicher (1)
5,206,488 Credit card system including a central unit and a plurality of local units for conducting low-cost transactions 185 1989
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 320 1999
 
MOTOROLA, INC. (1)
6,049,463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same 135 1997
 
MWM CONSULTING GROUP (1)
2004/0088,236 Method and apparatus for investment consulting, benefit projection and investment analysis 79 2002
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 115 1999
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 66 1994
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 60 2001
 
National Business Systems, Inc. (1)
4,866,545 Credit card embossing and recording system 29 1988
 
NEOPOST TECHNOLOGIES (1)
6,227,445 Secure smart card access to pre-paid metering funds in meter 30 1998
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 176 1999
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 160 1997
 
NIPPON CONLUX CO., LTD. (1)
5,409,092 Vending system capable of renewing record of a prepaid card 134 1991
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 75 1997
 
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing 25 2004
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 120 1996
 
OneName Corporation (1)
6,757,710 Object-based on-line transaction infrastructure 194 2002
 
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method 204 1997
 
OPTIS WIRELESS TECHNOLOGY, LLC (1)
6,070,067 Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks 189 1997
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 200 1998
 
OUTERWALL INC. (1)
6,349,972 Coin-discriminator voucher anti-counterfeiting method and apparatus 75 1999
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 233 1998
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 480 1992
 
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique 67 2001
 
PAPER SYSTEMS, INC. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper 29 2005
 
PASS TECHNOLOGIES, INC. (1)
4,859,837 Portable data carrier incorporating manually presettable processing modes 132 1988
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 232 1989
 
PELIKON LIMITED (1)
6,360,954 Portable cards 110 2000
 
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 180 1994
 
PERFECT PLASTIC PRINTING CORPORATION (1)
4,938,830 Plastic card and method of fabrication thereof 69 1988
 
PINPOINT INCORPORATED (1)
2001/0014,868 SYSTEM FOR THE AUTOMATIC DETERMINATION OF CUSTOMIZED PRICES AND PROMOTIONS 471 1998
 
PITNEY BOWES INC. (1)
7,461,028 Method and system for authorizing use of a transaction card 27 2001
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 140 2000
 
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions 42 2004
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 327 1998
 
POINTMEDIA CORPORATION (1)
2002/0145,039 Apparatus and method for selling lottery tickets at fuel dispensers 48 2001
 
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 158 2001
 
PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration 33 2001
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2001/0034,684 System and methods for designing group retirement plans 25 2001
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 80 2003
 
PrivaSys (1)
2007/0034,700 Electronic cards and methods for making same 100 2006
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 183 1998
 
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making 115 1994
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 285 1996
 
PROPAY USA, INC. (1)
2009/0240,620 SECURE PAYMENT SYSTEM 19 2008
 
PROPAY, INC. (1)
2010/0030,697 END-TO-END SECURE PAYMENT PROCESSES 15 2008
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 117 1997
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 325 1996
 
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions 146 1996
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 89 2001
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 206 1987
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 313 1995
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 99 2000
 
REALSOURCE, INC. (1)
5,732,136 Merchant specific debit card verification system 141 1997
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 122 1997
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 174 2002
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 110 1995
 
Retail Royalty Company (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes 104 1997
 
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 104 1999
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 60 2002
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 97 1996
 
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module 79 1999
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 99 1990
 
S/B Exchange Enterprises, Inc. (1)
2003/0004,828 Prepaid card authorization and security system 118 2002
 
Safecard ID System, Inc. (1)
6,164,548 Methods of creating a tamper resistant informational article 90 1998
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 113 2003
 
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 464 1996
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 215 1992
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 122 1988
 
Sigma Computer Research Associates Inc. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 375 1988
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
5,412,190 Electronic check presentment system having a return item notification system incorporated therein 187 1993
 
SMART TV LLC (1)
5,907,350 Television signal activated interactive smart card system 131 1997
 
SMART-MOVE LIMITED (1)
6,213,392 Card interface for interfacing a host application program to data storage cards 81 1998
 
SmartCard International Inc. (1)
4,868,376 Intelligent portable interactive personal data system 451 1987
 
SOCIETE ANONYME DITE: COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
4,977,501 Fare collection system using microwaves 71 1989
 
Sohwa Laminate Printing Co., Ltd. (1)
4,647,714 Composite sheet material for magnetic and electronic shielding and product obtained therefrom 79 1984
 
SOUND VIEW INNOVATIONS, LLC (1)
6,742,125 Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol 20 1996
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 53 2001
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 334 1997
 
SQN (1)
5,444,794 Check image capture system 229 1993
 
STANDARD & POOR'S FINANCIAL SERVICES LLC (1)
2004/0128,217 Method for assessing the economic earnings performance of a business enterprise 17 2002
 
Starbucks Corporation (1)
2005/0077,350 Dual card 64 2004
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 95 2001
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 451 1984
 
STOCKHAUSEN GMBH (1)
6,344,108 Using a dicarboxylic acid dialkyl ester brightening 25 1999
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 134 2003
 
SUMMIT BANCORP (1)
6,454,647 Method and system for automated collect and win sweepstakes for ATM transactions 35 1999
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 357 1988
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 42 2004
 
SYMBOL TECHNOLOGIES, INC. (1)
5,979,757 Method and system for presenting item information using a portable data terminal 656 1996
 
Taihei Kagaku Seihin Kabushiki Kaisha (1)
4,479,995 Plastic card having metallic luster 40 1982
 
TAIWAN NAME PLATE CO., LTD. (1)
2007/0020,443 Card with a picture-contained mirror surface layer 23 2005
 
TALX CORPORATION (1)
2003/0149,660 Method and system for managing employee access to payroll information 33 2002
 
TAO TECHNOLOGIES, LLC (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet 409 1997
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 56 2003
 
TC LICENSE LTD. (1)
2002/0178,063 Community concept for payment using RF ID transponders 139 2001
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 452 1995
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 548 1986
 
The De La Rue Company PLC (1)
4,747,620 Security card and security card blank 46 1986
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 224 1991
 
THE OHIO STATE UNIVERSITY RESEARCH FOUNDATION (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 91 1997
 
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA (1)
2004/0158,517 Method for maximizing retirement income using financial bridge products and deferred social security income 35 2004
 
The Real Gold Card Company Limited (1)
6,025,283 Charge card 105 1998
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 146 1998
 
The 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) 90 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 106 1999
 
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6,999,569 System and method for using a prepaid card 58 2002
 
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6,141,666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 259 1997
 
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2003/0217,329 Methods and apparatus for creating customized messages for printing on a transaction slip 38 2003
 
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2003/0163,403 Method and system for providing a weighted average aggregated accounts report 139 2002
 
UNIFOIL CORPORATION (1)
2008/0187,770 Metallization process and product produced thereby 17 2008
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 165 1994
 
Union State Bank (1)
7,006,992 Risk assessment and management system 113 2000
 
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5,471,669 Coupon savings account system 212 1994
 
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5,352,877 Non-contact transaction system with token presence detection 55 1992
 
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Other [Check patent profile for assignment information] (105)
D259048 Coin display page 30 1978
4,338,587 Toll collection system 101 1980
4,582,985 Data carrier 366 1982
4,669,730 Automated sweepstakes-type game 346 1984
4,700,055 Multiple credit card system 304 1985
4,755,661 Connection of electronic components in a card 33 1986
5,025,139 Redeemable coupon disbursement control and reporting system 128 1987
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 310 1989
5,192,947 Credit card pager apparatus 329 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 382 1990
5,206,803 System for enhanced management of pension-backed credit 262 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 480 1991
5,297,026 System for promoting account activity 286 1992
5,359,183 Payment card with display 164 1992
5,326,959 Automated customer initiated entry remittance processing system 355 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 444 1992
5,413,341 Equipment for, and methods of playing, a prize drawing game of chance 44 1993
5,380,046 Secured personal information packet 55 1993
5,774,882 Credit approval system 187 1993
5,397,881 Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner 152 1993
5,457,305 Distributed on-line money access card transaction processing system 236 1994
5,585,787 Programmable credit card 385 1994
5,477,040 Structure for a method of facilitating charge transactions 232 1994
5,748,737 Multimedia electronic wallet with generic card 324 1994
5,745,706 Computer system and related equipment for spending and investment account management 207 1994
5,689,650 Community reinvestment act network 300 1995
5,677,521 Personal identification and credit information system and method of performing transaction 66 1995
5,787,404 Credit-card based retirement fund system and method 193 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 244 1996
5,907,142 Fraud resistant personally activated transaction card 188 1996
5,955,961 Programmable transaction card 335 1996
5,953,710 Children's credit or debit card system 544 1996
5,903,879 Method of managing a loan for funding a pension 85 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 148 1997
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 166 1997
6,142,640 Credit card pocket mirror and miniature billboard 28 1997
5,984,180 Method and system for gift credit card 186 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 238 1997
H1794 Secure money transfer techniques using hierarchical arrangement of smart cards 69 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 163 1997
6,078,891 Method and system for collecting and processing marketing data 233 1997
6,085,976 Travel system and methods utilizing multi-application passenger cards 287 1998
6,324,526 System and method for performing secure credit card purchases 127 1999
2002/0059,139 SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION 96 1999
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 247 1999
6,145,741 Universal pre-paid gasoline and travel card 118 1999
6,385,591 Method and system for electronic organization of coupons 237 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 261 1999
2002/0013,751 AUTOMATED SYSTEM FOR MANAGING A NON-QUALIFIED DEFERRED COMPENSATION PLAN 35 1999
6,327,575 Point of sale terminal for the visually impaired 101 2000
6,609,658 Travel system and methods utilizing multi-application traveler cards 111 2000
6,868,426 Virtual document organizer system and method 114 2000
6,409,593 Drawing for winners over the internet 37 2000
6,561,657 Credit card pocket mirror and miniature billboard 69 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 84 2000
2002/0091,632 Method and system for linking prepaid cards and calls using those cards to paying for content and other services over the internet 51 2001
2001/0001,856 Prepaid cash equivalent card and system 101 2001
2002/0099,667 Mehtod and apparatus for making purchases over the internet using pre-paid cards 40 2001
2002/0103,852 System for optimizing investment performance 49 2001
2001/0034,663 Electronic contract broker and contract market maker infrastructure 97 2001
2002/0069,122 Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet 83 2001
2002/0116,330 Wireless communicating credit card 100 2001
2001/0038,033 Unified communications and commerce systems and methods, and device therefore 78 2001
2002/0143,703 Internet cash card 77 2001
2002/0035,527 System for relating investment account information to an investment objective 77 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 163 2001
6,481,125 Combination postcard and peel-off sticker 49 2001
2002/0032,609 Calendar transaction manager agent, systems and methods 64 2001
2002/0019,793 Method and system for implementing a combined investment 64 2001
6,647,374 System and method of assessing and rating vendor risk and pricing of technology delivery insurance 99 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 111 2001
D468789 Wheeled body board 37 2001
6,607,127 Magnetic stripe bridge 180 2001
2002/0065,720 Online promotion redemption control 43 2001
2002/0073,030 Configuration and method for increasing the prepaid amount associated with an electronic prepaid account 18 2001
7,082,416 Method of using prepaid cash card for making purchases on the world wide web 20 2001
2002/0194,081 Internet-based consumer service brand marketing communication system which enables service-providers, retailers, and their respective agents and consumers to carry out service-related functions along the demand side of the retail chain in an integrated manner 124 2002
2002/0120,627 Virtual document organizer system and method 85 2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations 64 2002
2002/0174,016 Multiple accounts and purposes card method and system 159 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 87 2002
D476681 Bank check 47 2002
6,805,289 Prepaid card payment system and method for electronic commerce 61 2002
D476683 Combined bookmark and photograph holder 27 2002
6,942,569 Drawing for winners over the internet using receipts and zipcodes 32 2002
2002/0198,848 Transaction verification system and method 27 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 89 2002
6,727,802 Anti-tear protection for smart card transactions 35 2002
2003/0182,246 Applications of fractal and/or chaotic techniques 85 2003
D485573 Combined business card with bar code, laser punched holes and radio frequency IC 57 2003
2003/0195,842 Method and device for making secure transactions 95 2003
2003/0195,808 Managing retailer product disbursement 82 2003
D495736 Postcard form for maintaining privacy of information contained thereon 49 2003
2004/0024,672 Customer activated multi-value (CAM) card 96 2003
2004/0128,195 System and method for processing transactions 33 2003
2004/0149,544 Scraping and cleaning device for conveyor belts 55 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 143 2004
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 82 2004
2005/0086,160 Method for implementing anonymous credit card transactions using a fictitious account name 155 2004
7,051,929 Secure credit card having daily changed security number 122 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 175 2004
2005/0167,488 Gaming system using an automated teller machine 31 2005
2006/0131,869 Methods for use in alerting others that animals are in need of care 37 2005
D551705 Magnetic, sandwich-type bookmark 56 2006
2008/0301,041 Method and system for processing financial transactions using multiple financial accounts 27 2007

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
EBAY INC. (6)
8,364,566 Method for managing group finances via an electronic network 1 2008
8,626,650 Gradual conversion of financial accounts 0 2008
8,249,986 Methods and systems of controlling activities of financial accounts 2 2008
8,249,987 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 2 2010
8,392,328 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 2 2012
8,666,889 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 0 2013
 
GOOGLE INC. (4)
8,392,261 Local shopping and inventory 1 2011
8,335,722 Local shopping and inventory 1 2011
8,401,904 Real-time payment authorization 4 2012
8,676,709 Merchant category codes in a proxy card transaction 0 2012
 
BLACKHAWK NETWORK, INC. (1)
8,594,286 Systems and methods for personal identification number distribution and delivery 0 2012
 
CENPOS, INC. (1)
8,577,730 Cash management optimization for payment processing 0 2009
 
FRANCE TELECOM (1)
8,422,652 Device and method for managing communication credits associated to use of services by a terminal 0 2006
 
MIICARD LIMITED (1)
8,332,322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts 0 2010

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