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, NY1929

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fellner, Debra C Wilmington, DE 17 193
Fox, Steven Newark, DE 20 133
Hirka, Jeffrey L Wilmington, DE 26 283
Knackstedt, Lee Bear, DE 21 177

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (103)
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4,479,995 Plastic card having metallic luster 46 1982
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 134 1988
 
Alfi S.r.l. (1)
6,045,050 Prepaid or stored-value card with means for preventing useful fraudulent alteration 48 1998
 
PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA (15)
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
 
GEMALTO SA (1)
5,901,303 Smart cards, systems using smart cards and methods of operating said cards in systems 154 1996
 
NCR CORPORATION (6)
4,634,845 Portable personal terminal for use in a system for handling transactions 293 1984
4,689,478 System for handling transactions including a portable personal terminal 275 1984
5,619,558 ATM segment of one marketing method 223 1995
5,770,843 Access card for multiple accounts 343 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 508 1998
6,456,981 Method and apparatus for displaying a customized advertising message with a retail terminal 136 2000
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 166 1997
 
Assured Equities, Inc. (1)
6,064,985 Automated portfolio management system with internet datafeed 280 1998
 
CUBIC CORPORATION (2)
6,655,587 Customer administered autoload 48 2002
2006/0261,927 Smart card receiver and system for pulsed RF fields 33 2006
 
TOBIN FAMILY EDUCATION AND HEALTH FOUNDATION, THE (1)
6,141,666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 300 1997
 
HE, KAI-CHIEN (1)
6,581,845 Chip-base plastic currency with cash amount loading function 23 2001
 
SOCIETE ANONYME DITE: COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
4,977,501 Fare collection system using microwaves 81 1989
 
PRIVASYS, INC. (8)
6,592,044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 255 2000
6,609,654 Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions 216 2000
7,195,154 Method for generating customer secure card numbers 141 2001
2003/0061,168 Method for generating customer secure card numbers 21 2001
2003/0061,168 Method for generating customer secure card numbers 21 2001
2003/0061,168 Method for generating customer secure card numbers 21 2001
2003/0061,168 Method for generating customer secure card numbers 21 2001
2007/0215,688 Method for Generating Customer Secure Card Numbers 32 2007
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 350 1995
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 100 2004
 
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 333 1990
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 709 1996
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 205 1998
 
AMAZON.COM, INC. (2)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 574 1995
5,960,411 Method and system for placing a purchase order via a communications network 1361 1997
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 265 1997
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,948,174 Financial data processing system 293 1989
5,121,945 Financial data processing system 278 1990
 
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system 170 1997
6,278,996 System and method for message process and response 102 1998
6,411,947 Automatic message interpretation and routing system 136 1998
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 343 1999
 
K. B., INC. (1)
2009/0250,522 Method and Material for Manufacturing Electrically Conductive Patterns, Including Radio Frequency Identification (RFID) Antennas 23 2006
 
BANK OF AMERICA CORPORATION (6)
5,826,243 Integrated system for controlling master account and nested subaccount(s) 320 1994
6,016,482 Enhanced collateralized funding processor 322 1996
2003/0040,959 Method and apparatus for conducting transactions on an automated teller machine 112 2001
2003/0229,525 System and methods for integrated compliance monitoring 70 2002
2005/0289,044 METHOD AND SYSTEM FOR DEBT PROTECTION OR CANCELLATION 45 2004
2009/0048,972 System and Method for an Emergency Reserve During a Covered Event Using Actuarial Data 29 2007
 
YT ACQUISITION CORPORATION (2)
5,805,719 Tokenless identification of individuals 412 1997
6,192,142 Tokenless biometric electronic stored value transactions 95 1999
 
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 277 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 199 1999
 
BANK OF MONTREAL (1)
2003/0167,218 Modular financial service instrument 32 2002
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 545 1992
 
TRINTECH LIMITED (1)
2003/0135,453 Transaction dispute management system and method 30 2002
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 371 1997
 
PROPAY, INC. (1)
2010/0030,697 END-TO-END SECURE PAYMENT PROCESSES 20 2008
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (9)
D437882 Transaction card 56 1999
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 86 2002
2010/0030,675 Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method 27 2002
7,072,864 Customer activated multi-value (CAM) card 132 2003
7,051,925 System and method for funding a collective account by use of an electronic tag 104 2004
D530741 Transparent transaction card 42 2004
2006/0259,364 System and method for granting promotional rewards to credit account holders 100 2006
2009/0265,275 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 27 2009
2009/0271,853 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 23 2009
 
NANJI, ANVAR (2)
5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower 314 1992
5,797,133 Method for automatically determining the approval status of a potential borrower 327 1997
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 198 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 273 1994
 
TSSI SYSTEMS LIMITED (1)
6,179,211 Method of identifying a data carrier 22 1998
 
PELIKON LIMITED (1)
6,360,954 Portable cards 124 2000
 
GOEKEN GROUP CORP. (1)
5,617,474 Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot 63 1990
 
THE WESTERN UNION COMPANY (15)
5,326,960 Currency transfer system and method 219 1992
5,350,906 Currency transfer system and method using fixed limit cards 478 1992
5,650,604 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds 271 1995
2003/0055,780 Method and system for transferring stored value 99 2001
7,054,842 Stored value cards and methods for their issuance 38 2001
2002/0152,168 Automated transfer with stored value fund 95 2001
2002/0161,702 Money order debit from stored value fund 73 2001
7,092,916 Electronic identifier payment system and methods 80 2001
6,814,282 Systems and methods of introducing and receiving information across a computer network 124 2002
7,107,249 Electronic identifier payment systems and methods 97 2002
2003/0222,136 Stored value education account 83 2002
2003/0130,940 Value transfer systems and methods 99 2002
2003/0130,948 Automated transfer with stored value 119 2003
2003/0135,459 Stored value payouts 119 2003
7,315,843 Electronic identifier payment systems and methods 55 2006
 
PITNEY BOWES INC. (1)
7,461,028 Method and system for authorizing use of a transaction card 33 2001
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 247 1991
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 130 1999
 
GOOGLE TECHNOLOGY HOLDINGS LLC (2)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 269 1996
6,105,006 Transaction authentication for 1-way wireless financial messaging units 104 1997
 
ASSA ABLOY AB (6)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol 92 1995
5,737,421 System for controlling access to a function having clock synchronization 125 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 203 1996
5,887,065 System and method for user authentication having clock synchronization 180 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 170 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 116 2000
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 354 2000
 
True Resources, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 61 2005
 
KABUSHIKI KAISHA TOSHIBA (6)
4,931,623 Portable storage medium 52 1988
5,055,662 Portable information record medium having liquid crystal and photoconductive layers 175 1989
5,180,901 IC card with individual authentication function 243 1991
5,710,458 Card like semiconductor device 164 1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications 144 1997
D427167 Adapter for an IC card 41 1999
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 110 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (14)
5,717,925 Information catalog system with object-dependent functionality 261 1996
5,798,950 Method and apparatus for estimating durations of activities in forming a current system, based on past durations of activities in forming past systems 70 1996
5,796,827 System and method for near-field human-body coupling for encrypted communication with identification cards 225 1996
6,029,144 Compliance-to-policy detection method and system 204 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 44 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 258 1998
6,675,149 Information technology project assessment method, system and program product 76 1999
6,567,786 System and method for increasing the effectiveness of customer contact strategies 140 1999
6,671,673 Method for integrated supply chain and financial management 204 2000
2003/0154,125 Pesonalisation of promotional offers 89 2001
6,641,050 Secure credit card 176 2001
2006/0106,696 Account transfer using a single financial account 50 2004
2006/0289,636 Food card to restrict purchases 23 2005
7,306,163 Smart card and method for its production 32 2005
 
AT&T IPM CORP. (5)
5,479,494 Virtual calling card system 268 1992
5,450,491 Authenticator card and system 124 1993
5,450,477 Monitoring of charges debited to an account having an assigned limit 157 1993
5,541,583 Arrangement for interrogating portable data communication devices 150 1995
5,708,422 Transaction authorization and alert system 458 1995
 
CHARITABLE PROPERTY DONATIONS (1)
2007/0203,825 SYSTEMS AND METHODS FOR ENABLING CHARITABLE CONTRIBUTIONS FROM PROPERTY 26 2004
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 995 1995
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 210 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 175 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 181 1998
 
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management 125 2001
2002/0111,916 Payment management 87 2001
 
ASSET TRUST, INC. (1)
2008/0027,841 System for integrating enterprise performance management 74 2002
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 477 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 300 1991
5,864,828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation 246 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 287 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 528 1994
5,644,727 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 603 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 299 1997
5,875,437 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 623 1997
 
ATTITUDE MEASUREMENT CORPORATION (1)
5,489,123 Packaging label including pre-approved incentive card 70 1995
 
COIN, INC. (4)
2006/0249,574 Automated payment card fraud detection and location 63 2006
D562888 Payment card with a full pan display 31 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 84 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 62 2006
 
BLOCK FINANCIAL LLC (2)
6,014,645 Real-time financial card application system 435 1996
7,310,617 Real-time financial card offer and application system 72 1999
 
GENWORTH HOLDINGS, INC. (3)
6,912,502 System and method for compliance management 101 1999
7,398,241 Method and system for portable retirement investment 77 2001
2002/0194,098 System and method for guaranteeing minimum periodic retirement income payments using an adjustment account 83 2002
 
Creative Games International, Inc. (1)
6,134,309 Pre-paid phone card system with promotional link 108 1997
 
Midnight Blue Remote Access LLC (1)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information 355 1999
 
BRADY WORLDWIDE, INC. (5)
D466929 Security pass 64 2002
D467271 Security pass 62 2002
D467272 Security pass 60 2002
D474235 Security pass 82 2002
D477359 Security pass 73 2002
 
ZYNGA INC. (1)
6,006,205 Credit card billing method and system 141 1997
 
PHOENIX LICENSING, LLC (6)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 465 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 327 1997
6,999,938 Automated reply generation direct marketing system 87 1999
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 154 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 130 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 124 2003
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 325 1993
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6,105,009 Automated teller machine dispenser of debit cards 116 1998
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2001/0034,684 System and methods for designing group retirement plans 31 2001
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 184 2000
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 583 1986
 
GENERAL ELECTRIC COMPANY (5)
4,845,347 Transaction system 74 1986
5,696,907 System and method for performing risk and credit analysis of financial service applications 293 1995
5,991,743 System and method for proactively monitoring risk exposure 144 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 156 1998
6,675,127 Computerized systems and methods for managing project issues and risks 91 2001
 
VERIZON PATENT AND LICENSING INC. (4)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 228 1995
5,621,787 Prepaid cash card 293 1995
6,507,644 Pre-paid telephone calling card linked to a stored value account 100 1999
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 91 2001
 
FUTURELOGIC, INC. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment 49 2005
 
GLOBAL SECURITY TECHNOLOGIES, INC. (2)
6,655,598 Methods of creating a tamper resistant informational article 32 2000
6,715,797 Methods of creating a tamper resistant informational article 54 2002
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (9)
5,412,192 Radio frequency activated charge card 252 1993
5,483,445 Automated billing consolidation system and method 422 1993
5,684,291 Refundable prepaid telephone card 151 1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 254 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 108 1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 293 1996
5,988,509 Refundable prepaid telephone card 160 1997
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 151 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 175 1997
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 124 2002
2004/0243,498 Interest bearing gift card mechanisms 93 2004
 
GENERAL ELECTRIC CAPITAL CORPORATION (3)
6,856,973 Methods and systems for assessing creditworthiness of a country 82 1999
6,970,830 Methods and systems for analyzing marketing campaigns 135 1999
7,392,221 Methods and systems for identifying early terminating loan customers 37 2001
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 72 2001
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 297 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 86 2005
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 138 1996
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 481 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 47 2004
 
TELETOUCH COMMUNICATIONS, INC. (2)
7,252,223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 73 2005
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 47 2005
 
MWM CONSULTING GROUP (1)
2004/0088,236 Method and apparatus for investment consulting, benefit projection and investment analysis 89 2002
 
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 217 1997
 
PROPAY USA, INC. (1)
2009/0240,620 SECURE PAYMENT SYSTEM 23 2008
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 50 2005
 
AT&T CORP. (5)
6,192,113 Method and apparatus for phone card billing 56 1995
5,675,607 Method and apparatus for facilitating the making of card calls 116 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 183 1995
6,024,286 Smart card providing a plurality of independently accessible accounts 181 1997
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 110 1998
 
MOORE NORTH AMERICA, INC. (2)
5,760,381 Prepaid card 233 1996
2002/0046,089 Targeted advertising brochure and method for its use 74 2000
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems 70 2002
D490840 Proximity interface for transaction acceptance systems 57 2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems 62 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 55 2003
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 78 2002
 
VERIFONE, INC. (1)
5,440,108 System and method for dispensing and revalung cash cards 223 1993
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 724 1987
 
LENDINGTREE, LLC (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 281 1998
 
GILBARCO INC. (3)
6,078,888 Cryptography security for remote dispenser transactions 228 1997
6,574,603 In-vehicle ordering 174 1998
6,089,284 Preconditioning a fuel dispensing system using a transponder 115 1998
 
KOOKMIN CREDIT CARD CO., LTD. (1)
6,705,518 System and method for providing tourism service using RF IC card, and storage medium for storing tourism service algorithm thereof 27 2001
 
BUTCHER, GEORGE H., III (1)
7,266,524 Method, software program, and system for isolating risk in a financial transaction 17 2000
 
STANDARD & POOR'S FINANCIAL SERVICES LLC (1)
2004/0128,217 Method for assessing the economic earnings performance of a business enterprise 20 2002
 
Financial Engineering Associates, Inc. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading 261 1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination 112 1998
 
GOLDMAN, SACHS & CO. (1)
2004/0024,693 Proprietary risk management clearinghouse 64 2003
 
CATALINA MARKETING CORPORATION (16)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 470 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 598 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 464 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 554 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 760 1995
5,710,886 Electric couponing method and apparatus 550 1995
6,377,935 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 130 1997
6,424,949 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 201 1997
5,974,399 Method and apparatus for generating purchase incentives based on price differentials 289 1997
6,260,758 Promotional financial transaction machine method 70 1998
6,336,099 Method and system for electronic distribution of product redemption coupons 242 1998
6,055,573 Communicating with a computer based on an updated purchase behavior classification of a particular consumer 465 1999
6,185,541 System and method for providing shopping aids and incentives to customers through a computer network 261 1999
6,282,516 Process, system and computer readable medium for in-store printing of discount coupons and/or other purchasing incentives in various departments within a retail store 148 1999
6,885,994 System and method for providing shopping aids and incentives to customers through a computer network 79 2000
7,398,248 System and method for using cards for sponsored programs 39 2002
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 401 1984
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 299 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 277 1996
 
U.S. PHILIPS CORPORATION (2)
4,380,699 Portable, identifying element constructed as a lamination of sheets 66 1981
4,465,206 Device for the simultaneous mounting of components on a carrier 79 1983
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 128 1996
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 459 1995
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 194 1996
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 195 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4,746,787 IC card with display and card recording and reading device 140 1985
5,146,068 System for authenticating an authorized user of an IC card 94 1990
6,338,048 Electronic transaction system 112 1999
 
US PHILIPS ELECTRONICS (1)
6,424,029 Chip card 207 2000
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 166 1984
 
SYMBOL TECHNOLOGIES, INC. (1)
5,979,757 Method and system for presenting item information using a portable data terminal 716 1996
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 480 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 529 1995
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 125 1998
 
The United States of America as represented by the Secretary of the Navy (1)
6,397,202 System and method for monitoring risk in a system development program 116 1999
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
5,744,787 System and method for retail 139 1995
6,065,675 Processing system and method for a heterogeneous electronic cash environment 300 1998
 
ACS State & Local Solutions, Inc. (6)
5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 138 1997
6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 183 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 80 1998
7,225,155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 79 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 77 2002
2004/0064,332 Systems and methods for electronically processing government sponsored benefits 32 2003
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 435 1994
 
TOSHIBA BATTERY CO., LTD. (1)
4,777,563 Thin type electronic instrument 70 1987
 
SEIKO EPSON CORPORATION (2)
6,961,710 Method for billing for advertisements printed on check-out receipts 45 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 51 2003
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 127 1997
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 348 1986
 
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 277 1995
 
XEROX CORPORATION (1)
6,073,160 Document communications controller 163 1996
 
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities 78 2002
 
IBBOTSON ASSOCIATES, INC. (2)
7,216,099 Automatically allocating and rebalancing discretionary portfolios 28 2002
7,120,601 Optimal asset allocation during retirement in the presence of fixed and variable immediate life annuities (payout annuities) 60 2002
 
National Business Systems, Inc. (1)
4,866,545 Credit card embossing and recording system 32 1988
 
MASTERCARD INTERNATIONAL INCORPORATED (14)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 490 1988
5,557,516 System and method for conducting cashless transactions 293 1994
5,705,798 System and method for processing a customized financial transaction card 262 1994
5,692,132 System and method for conducting cashless transactions on a computer network 538 1995
5,699,528 System and method for bill delivery and payment over a communications network 1014 1995
5,704,046 System and method for conducting cashless transactions 323 1996
6,315,193 Financial transaction card with installment loan feature 143 1998
6,473,500 System and method for using a prepaid card 451 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 138 2001
6,793,131 Financial transaction card with installment loan feature 39 2001
7,252,226 System and method for using a prepaid card 50 2002
7,359,880 System and method for consumer control over card-based transactions 45 2005
2008/0005,018 Systems And Methods For Implementing Direct Issuer - Merchant Relationships Over A General Purpose Bankcard Network 34 2007
2008/0230,600 METHOD, SYSTEM, AND APPARATUS FOR CONDUCTING A PURCHASE TRANSACTION 32 2007
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 474 1995
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 77 1994
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 60 2001
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 337 1989
 
Intellicard International, Inc. (2)
4,614,861 Unitary, self-contained card verification and validation system and method 600 1984
4,707,594 Unitary, self-contained consumer transaction card 72 1985
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 143 1999
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 151 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags 122 2001
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 68 2002
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 104 2001
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5,806,045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 521 1996
 
Juergen Dethloff (1)
4,837,422 Multi-user card system 472 1987
 
LIVINGSTON INTERNATIONAL TECHNOLOGY SERVICES CORPORATION (1)
2009/0150,370 System and Method For Restricted Party Screening and Resolution Services 27 2007
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card 81 1998
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 78 2000
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 484 1996
 
CYBERSETTLE.COM, INC. (1)
6,954,741 Computerized dispute resolution system and method 65 1999
 
UNIFOIL CORPORATION (1)
2008/0187,770 Metallization process and product produced thereby 21 2008
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 145 1985
 
III HOLDINGS 1, LLC (13)
6,581,839 Transaction card 191 2000
2001/0054,003 System and method for using loyalty points 342 2001
2002/0026,416 System and method for account reconciliation 54 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 67 2002
6,764,014 Transaction card 110 2002
7,606,730 System and method for a multiple merchant stored value card 45 2002
6,845,906 System and method for selecting financial services 39 2003
2005/0021,353 DONATION SYSTEM AND METHOD 58 2004
2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE 77 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 144 2004
7,070,095 Foldable transaction cards and methods of making the same 61 2004
7,156,301 Foldable non-traditionally-sized RF transaction card system and method 53 2005
7,506,806 Smartcard transaction method and system using fingerprint recognition 39 2007
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 324 1994
 
RPX CLEARINGHOUSE LLC (1)
6,021,189 System for controlling usage of phone debit cards 53 1997
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 152 2003
 
SMART-MOVE LIMITED (1)
6,213,392 Card interface for interfacing a host application program to data storage cards 87 1998
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 584 1996
 
EBAY INC. (3)
6,267,292 Method and apparatus for funds and credit line transfers 283 1999
7,047,222 Secure encryption of data packets for transmission over unsecured networks 37 2000
2005/0171,842 Method and system for incentivizing the promotion of a payment service 42 2004
 
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 113 1999
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 45 2005
 
W. & T. Avery Limited (1)
5,352,877 Non-contact transaction system with token presence detection 64 1992
 
TRANSACT TECHNOLOGIES INCORPORATED (1)
2003/0217,329 Methods and apparatus for creating customized messages for printing on a transaction slip 46 2003
 
CITIBANK, N.A. (19)
5,453,601 Electronic-monetary system 729 1991
5,455,407 Electronic-monetary system 420 1995
5,799,087 Electronic-monetary system 242 1995
5,710,889 Interface device for electronically integrating global financial services 684 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 337 1995
6,058,378 Electronic delivery system and method for integrating global financial services 323 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 286 1996
6,112,190 Method and system for commercial credit analysis 250 1997
6,029,153 Method and system for analyzing and handling the customer files of a financial institution 114 1997
5,920,629 Electronic-monetary system 317 1997
5,953,423 Electronic-monetary system 172 1997
5,963,648 Electronic-monetary system 234 1997
6,047,067 Electronic-monetary system 277 1997
6,895,386 Stock credit card 83 1998
6,098,053 System and method for performing an electronic financial transaction 479 1999
6,349,290 Automated system and method for customized and personalized presentation of products and services of a financial institution 299 1999
7,051,001 System and method for merchant function assumption of internet checking and savings account transactions 40 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 166 1999
7,092,905 Systems and methods for the processing of financial transactions 74 2001
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 457 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 382 1998
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 383 1988
 
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making 126 1994
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 56 2001
 
Retail Royalty Company (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes 111 1997
 
OPEN NETWORK SOLUTIONS, INC. (1)
6,366,967 OPEN NETWORK SYSTEM FOR I/O OPERATION INCLUDING A COMMON GATEWAY INTERFACE AND AN EXTENDED OPEN NETWORK PROTOCOL WITH NON-STANDARD I/O DEVICES UTILIZING DEVICE AND IDENTIFIER FOR OPERATION TO BE PERFORMED WITH DEVICE 92 1999
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 133 1997
 
PRICELINE.COM LLC (2)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1633 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 494 1997
 
ZIH CORP. (1)
5,680,459 Passive transponder 126 1995
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 137 1997
6,095,412 Host and user transaction system 149 1997
 
DIEBOLD, INCORPORATED (3)
7,039,600 ATM customer marketing system 66 1999
2002/0133,461 Automated banking machine processing system and method 50 2002
2005/0216,888 Method of developing automated banking machine instructions 50 2005
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (3)
6,315,195 Transaction apparatus and method 247 1998
2003/0217,005 Automated banking machine system and method 113 2003
7,025,256 Automated banking machine system and method 75 2004
 
CITICORP DEVELOPMENT CENTER, INC. (2)
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal 106 1998
6,913,193 Method and system of tracking and providing an audit trail of smart card transactions 36 1999
 
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll 41 2004
 
MoneyAbility Technology, LLC (1)
2006/0085,334 Dynamic financial liability management 93 2004
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1225 1989
 
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head 235 1993
 
THIRD ACT LLC (2)
6,044,360 Third party credit card 339 1997
2004/0093,303 Third party debit card 108 2003
 
Union State Bank (1)
7,006,992 Risk assessment and management system 128 2000
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 121 1999
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 117 2001
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 243 1987
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 57 2004
 
USA TECHNOLOGIES, INC. (3)
5,637,845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 275 1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 115 1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 106 2001
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 54 2004
 
WEEKS, STEPHEN M. (1)
7,346,567 Conditional fee ownership home financing system and business method 44 2002
 
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 249 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 86 1999
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 411 1995
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 140 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 178 1996
5,825,871 Information storage device for storing personal identification information 184 1996
 
Computerized Data Ssytems for Mfg., Inc. (1)
5,049,728 IC card system with removable IC modules 228 1990
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 114 2000
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
5,247,190 Electroluminescent devices 1124 1990
5,401,827 Semiconductive copolymers for use in luminescent devices 123 1991
5,399,502 Method of manufacturing of electrolumineschent devices 544 1993
5,512,654 Semiconductive copolymers for use in luminescent devices 108 1994
5,672,678 Semiconductive copolymers for use in luminescent devices 131 1995
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 143 1995
5,807,627 Electroluminescent devices 159 1997
 
VANTEQ, INC. (1)
7,089,202 Method and system for internet banking and financial services 130 2000
 
LEONHARD KURZ GMBH & CO. (1)
5,383,687 Value document and embossing foil for the production thereof 105 1993
 
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 170 1996
 
PAPER SYSTEMS, INC. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper 36 2005
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 178 1994
 
PINPOINT INCORPORATED (1)
2001/0014,868 SYSTEM FOR THE AUTOMATIC DETERMINATION OF CUSTOMIZED PRICES AND PROMOTIONS 563 1998
 
Licensys Pty Ltd (1)
D538349 Number plate 52 2005
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (3)
* 4,723,212 Method and apparatus for dispensing discount coupons 483 1987
4,910,672 Method and apparatus for dispensing discount coupons 494 1987
5,173,851 Method and apparatus for dispensing discount coupons in response to the purchase of one or more products 524 1990
 
XATRA FUND MX, LLC (8)
7,239,226 System and method for payment using radio frequency identification in contact and contactless transactions 85 2002
6,805,287 System and method for converting a stored value card to a credit card 133 2002
7,249,112 System and method for assigning a funding source for a radio frequency identification device 83 2002
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 63 2004
7,228,155 System and method for remotely initializing a RF transaction 78 2004
7,493,288 RF payment via a mobile device 58 2004
7,312,707 System and method for authenticating a RF transaction using a transaction account routing number 64 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 105 2004
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 58 2002
 
Swychco Support Services Pty. Ltd. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 354 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 225 1997
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (3)
5,949,044 Method and apparatus for funds and credit line transfers 355 1997
6,227,972 Method and apparatus for expiration of prepaid slot machine plays 182 1997
6,128,599 Method and apparatus for processing customized group reward offers 415 1997
 
GENWORTH FINANCIAL, INC. (1)
2004/0172,350 System and method for cross funding of multiple annuity contracts 76 2002
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 185 1993
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 602 1995
 
WALKER DIGITAL, LLC (7)
5,970,478 Method, apparatus, and program for customizing credit accounts 204 1997
6,018,718 Method and system for processing customized reward offers 346 1997
6,163,771 Method and device for generating a single-use financial account number 257 1997
5,999,596 Method and system for controlling authorization of credit card transactions 189 1998
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 157 1999
6,374,230 Method, apparatus and program for customizing credit accounts 140 1999
2002/0165,771 Method and apparatus for establishing prices for a plurality of products 110 2001
 
MICRO ENHANCEMENT INTERNATIONAL (3)
5,857,175 System and method for offering targeted discounts to customers 545 1995
6,484,146 System for offering targeted discounts to customers and collecting purchasing behavior data 86 1997
7,024,374 Targeted marketing and purchase behavior monitoring system 75 2000
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 367 1996
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 308 1997
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 478 1997
6,188,309 Method and apparatus for minimizing credit card fraud 113 1998
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 232 1985
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 65 2003
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 423 1995
 
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same 121 2006
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 216 1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data 282 1997
 
DELIVERM CONSULTING B.V., LLC (2)
7,401,049 System and method for a prepaid card issued by a foreign financial institution 24 2002
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability 110 2003
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1441 1995
 
CITRIX SYSTEMS, INC. (1)
6,886,046 Methods and apparatus for extendible information aggregation and presentation 67 2001
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 348 1981
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (8)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 117 1999
D449336 Card with a blue ornamental rectangle 50 1999
6,742,704 Multiple-service card system 93 2001
2003/0023,549 Consolidated payment account system and method 121 2002
7,530,491 Metal-containing transaction card and method of making the same 31 2003
7,588,184 Metal-containing transaction card and method of making the same 42 2005
7,494,057 Metal-containing transaction card and method of making the same 34 2007
2009/0230,195 METAL-CONTAINING TRANSACTION CARD AND METHOD OF MAKING THE SAME 28 2009
 
INTERNET PROMISE GROUP, LLC (1)
7,254,560 Method and apparatus for an integrated identity security and payment system 28 2001
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
2004/0128,195 System and method for processing transactions 42 2003
 
DUBINSHIRE LTD., LLC (1)
6,886,741 Electronic transaction system 45 2004
 
REALSOURCE, INC. (1)
5,732,136 Merchant specific debit card verification system 156 1997
 
VISA INTERNATIONAL SERVICE ASSOCIATION (23)
4,701,601 Transaction card with magnetic stripe emulator 404 1985
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 317 1986
4,822,985 Transaction approval system 124 1987
D310386 Transaction card 115 1987
4,906,826 Usage promotion method for payment card transaction system 143 1988
4,870,259 Transaction approval system 119 1989
4,908,521 Transaction approval system 123 1989
4,943,707 Transaction approval system 161 1989
5,177,342 Transaction approval system 281 1990
5,175,416 Funds transfer system 376 1991
5,477,038 Method and apparatus for distributing currency 451 1993
5,465,206 Electronic bill pay system 772 1993
5,703,344 Electronic funds confirmation at point of transaction 335 1995
RE36365 Method and apparatus for distributing currency 276 1996
5,920,847 Electronic bill pay system 704 1996
6,119,103 Financial risk prediction systems and methods therefor 427 1997
* 5,963,925 Electronic statement presentment system 432 1997
RE37122 Method and apparatus for distributing currency 220 1998
6,105,008 Internet loading system using smart card 290 1998
6,560,581 System and method for secure electronic commerce transaction 303 1998
6,298,336 Card activation at point of distribution 230 1998
7,031,939 Systems and methods for implementing person-to-person money exchange 144 2000
RE38255 Method and apparatus for distributing currency 144 2001
 
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card 172 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 53 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 52 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 51 2007
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 109 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 58 2004
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 348 1995
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 193 1997
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 154 2000
 
Value Benefits Insurance Agency, Inc. (1)
2003/0204,421 Integrated system and method for insurance products 74 2002
 
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 337 1995
5,806,044 System and method for distributing coupons through a system of computer networks 369 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 176 1997
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 159 1992
 
DS-IQ, INC. (1)
6,330,543 Method and system for distributing and reconciling electronic promotions 236 1998
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 101 1991
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 118 1995
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 190 2003
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 157 1998
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 98 2003
 
CHASE MANHATTAN BANK, THE (5)
5,819,234 Toll collection system 202 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 220 1997
6,167,385 Supply chain financing system and method 197 1998
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 455 2000
2002/0095,365 Corporate products trading marketplace 132 2001
 
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) 100 1998
 
M.A. Rivalto, Inc. (1)
5,482,139 Automated drive-up vending facility 239 1995
 
TOURNAMENT HOLDINGS LTD., L.L.C. (1)
6,048,271 Automated league and tournament device 197 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (2)
6,014,634 System and method for providing shopping aids and incentives to customers through a computer network 633 1997
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 412 1997
 
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers 105 1994
6,295,344 Telephone travel card system under the control of its customers 48 1998
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 219 1987
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 102 2001
 
Pennsylvania Food Merchants Association (1)
5,581,064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 196 1994
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 233 2003
 
THE OHIO STATE UNIVERSITY (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 99 1997
 
OneName Corporation (1)
6,757,710 Object-based on-line transaction infrastructure 222 2002
 
VALID USA, INC. (1)
6,471,128 Method of making a foil faced financial transaction card having graphics printed thereon and card made thereby 50 2000
 
LIFEPROXY LLC (1)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 15 2001
 
NEOPOST TECHNOLOGIES (1)
6,227,445 Secure smart card access to pre-paid metering funds in meter 35 1998
 
Executing the Numbers, Inc. (1)
6,119,097 System and method for quantification of human performance factors 114 1997
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 171 1998
 
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions 48 2004
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 268 1998
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 423 1997
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 243 1992
 
Freddie Mac (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 60 2004
 
BMC RESOURCES, INC. (3)
5,652,786 Automated interactive bill payment system 272 1996
5,715,298 Automated interactive bill payment system using debit cards 211 1997
5,870,456 Automated interactive bill payment system using debit cards 235 1997
 
Safecard ID System, Inc. (1)
6,164,548 Methods of creating a tamper resistant informational article 98 1998
 
MicroBilt Corporation (1)
5,466,920 Real time decoding for card transaction terminal 55 1991
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 101 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 131 1999
6,434,259 Method of providing secure user access 114 1999
6,429,927 Imaging device, especially for optical fingerprinting 107 1999
6,498,861 Biometric security encryption system 115 2000
 
Exxon Research and Engineering Company (2)
5,072,380 Automatic vehicle recognition and customer billing system 172 1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 161 1993
 
TALX CORPORATION (1)
2003/0149,660 Method and system for managing employee access to payroll information 39 2002
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6,138,911 In-store points redemption system and method 224 1999
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 485 1984
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 241 1994
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 80 2005
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 192 1998
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 272 1998
 
GIESECKE & DEVRIENT GMBH (5)
6,343,743 Method of checking authenticity of a data carrier 75 1998
6,382,677 Security element and method for producing same 38 1999
6,726,813 Security device and method for producing it 28 2002
7,479,320 Security element and method for producing the same 32 2002
7,503,503 Card laminate 26 2005
 
PERFECT PLASTIC PRINTING CORPORATION (1)
4,938,830 Plastic card and method of fabrication thereof 74 1988
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 134 1997
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 47 2004
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5,339,239 Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal 275 1990
 
Brubaker, Randall E. (1)
6,186,793 Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events 124 1997
 
ARJO WIGGINS SECURITY SAS (1)
7,128,272 Method for making an article comprising a sheet and at least an element directly mounted thereon 28 2002
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 100 2001
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 740 1995
 
Call Processing, Inc. (2)
5,511,114 Telephone pre-paid calling card system and method 323 1994
5,721,768 Pre-paid card system and method 318 1996
 
Starbucks Corporation (1)
2005/0077,350 Dual card 75 2004
 
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 130 1995
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 290 1996
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 140 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 41 2004
 
INTER*ACT SYSTEMS, INCORPORATED (13)
* 5,201,010 Method and system for building a database and performing marketing based upon prior shopping history 396 1992
5,237,620 Check reader method and system for reading check MICR code 234 1992
5,305,196 Check transaction processing, database building and marketing method and system utilizing automatic check reading 223 1992
5,327,508 Method and system for building a database and performing marketing based upon prior shopping history 208 1993
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 548 1993
* 5,388,165 Method and system for building a database and performing marketing based upon prior shopping history 213 1994
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 436 1994
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 346 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 336 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 387 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 278 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 305 1995
6,351,735 Check transaction processing, database building and marketing method and system utilizing automatic check reading 125 1996
 
WINKLEVOSS TECHNOLOGIES, L.L.C. (1)
2004/0117,202 Method and system for determining benefits 43 2003
 
York Eggleston (1)
6,061,660 System and method for incentive programs and award fulfillment 561 1998
 
METLIFE LIFE INSURANCE COMPANY (1)
5,806,047 System for combined pool portfolio 142 1995
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 426 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 277 1995
 
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations 78 1989
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 113 1989
5,080,748 Card assembly apparatus 171 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 282 1998
6,068,183 Chip card system 198 1998
5,931,764 Wearable device with flexible display 187 1998
6,402,039 Flexible chip card with display 175 1999
6,450,407 Chip card rebate system 365 2000
 
SUMMIT BANCORP (1)
6,454,647 Method and system for automated collect and win sweepstakes for ATM transactions 42 1999
 
CHECKFREE CORPORATION (2)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 628 1991
6,289,322 Electronic bill processing 366 1998
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 151 2000
 
FUJITSU LIMITED (11)
5,097,115 Transaction authentication system 120 1989
5,481,094 Point-of-sale terminal 192 1994
6,003,762 Transaction terminal for an electronic cashless system 254 1994
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 400 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 41 2001
2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 83 2002
2005/0114,883 Information providing method, information providing apparatus, and computer-readable recording medium with information providing program recorded thereon 43 2004
2005/0060,260 Payment system, payment apparatus, and payment program storage medium 36 2004
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 87 2004
2005/0119,979 Transaction system and transaction terminal equipment 57 2004
 
SOUND VIEW INNOVATIONS, LLC (1)
6,742,125 Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol 23 1996
 
FIRST DATA CORPORATION (11)
7,050,996 Method for linking accounts corresponding to different products together to create a group 76 1999
7,076,465 Methods for processing a group of accounts corresponding to different products 63 1999
6,490,568 Automated system and method for monitoring financial transactions 114 1999
6,978,369 Person-centric account-based digital signature system 91 2001
2004/0049,452 Multiple credit line presentation instrument 95 2002
7,069,244 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 28 2002
2004/0088,238 Method and system for monitoring electronic transactions 42 2002
2003/0120,571 Authorizing transactions associated with accounts 48 2002
2003/0182,218 Chasing rewards associated with accounts 71 2003
2006/0036,543 Creating groups of linked accounts 53 2005
* 2006/0116,955 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 25 2006
 
BOWIE, STUART S. (1)
6,195,644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 177 1999
 
Xtreme Traffic Builders, Inc. (1)
6,557,750 Promotional mailing device 55 2002
 
CASIO COMPUTER CO., LTD. (2)
4,754,418 Combined electronic calculator and credit card 133 1985
4,697,072 Identification card and authentication system therefor 122 1985
 
G & D CARDTECH, INC. (1)
6,644,551 Card 81 2001
 
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 328 1991
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 108 1990
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 90 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 115 1996
5,770,849 Smart card device with pager and visual image display 155 1996
5,734,154 Smart card with Iintegrated reader and visual image display 198 1996
5,789,733 Smart card with contactless optical interface 290 1996
 
Marflex International Inc. (1)
5,503,891 Flexible magnet attractant display mat 74 1994
 
BRIDGEPOINT SYSTEMS, INC. (1)
5,936,221 Smart card system and method for transferring value 142 1997
 
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique 86 2001
 
Tamura Electric Works, Ltd. (2)
5,546,446 Public telephone system using a prepaid card to enable communication 49 1994
5,563,934 Pay phone call control apparatus for allowing calls using pre-paid cards 47 1995
 
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions 217 1996
6,295,522 Stored-value card value acquisition method and apparatus 206 1997
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 110 1988
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 106 2001
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 133 2003
 
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing 30 2004
 
JPMORGAN CHASE BANK, N.A. (47)
6,227,447 Cardless payment system 410 1999
6,553,113 System and methods for call decisioning in a virtual call center integrating telephony with computers 127 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 139 1999
7,392,224 System and method of operating a debit card reward program 96 1999
6,557,039 System and method for managing information retrievals from distributed archives 212 1999
7,113,914 Method and system for managing risks 66 2000
6,631,849 Selectable multi-purpose card 405 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 55 2000
6,341,724 Cardless payment system 186 2001
2001/0034,682 International banking system and method 131 2001
2002/0077,978 Method and system for processing internet payments 334 2001
6,945,453 System and method for funding a collective account by use of an electronic tag 52 2001
2003/0028,483 System and method for funding a collective account 62 2002
2003/0033,246 Sponsor funded stored value card 100 2002
7,165,049 Sponsor funded stored value card 103 2002
2003/0105,714 System and method for currency selectable stored value instrument 50 2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 240 2003
2003/0187,787 System and process for performing purchase transactions using tokens 142 2003
7,676,425 Method and system for providing flexible financing 24 2003
2005/0189,427 Coin-discriminator voucher anti-counterfeiting method and apparatus 36 2003
2004/0128,186 System and method for managing risks associated with outside service providers 88 2003
2005/0065,877 Method and system for distribution of unactivated bank account cards 52 2003
2004/0122,736 System and method for granting promotional rewards to credit account holders 101 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 78 2004
2005/0091,492 Portable security transaction protocol 49 2004
7,392,222 System and method for providing promotional pricing 103 2004
7,707,111 Customer activated multi-value (CAM) card 32 2004
2005/0086,167 Customer activated multi-value (CAM) card 37 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 41 2004
7,191,952 Selectable multi-purpose card 98 2004
7,263,507 Customer activated multi-value (CAM) card 49 2005
7,660,763 Customer activated multi-value (CAM) card 20 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 84 2005
7,591,416 Selectable multi-purpose card 45 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 28 2006
7,311,244 System and method for funding a collective account by use of an electronic tag 28 2006
7,357,331 Selectable multi-purpose card 54 2006
* 2007/0078,719 S/M for offering reward programs 50 2006
2007/0156,530 System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories 36 2007
2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 73 2007
D576671 Overlapping transaction device 35 2008
D582476 Pivoting transaction device 34 2008
D582977 Transaction device 57 2008
* 2008/0277,465 METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS 35 2008
D602522 Transaction device 45 2008
D602986 Metal transaction device 51 2009
2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 34 2009
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
2001/0037,315 System and method for secure distribution of information via eMail 100 2000
 
WINBOND ELECTRONICS CORP. (1)
5,877,975 Insertable/removable digital memory apparatus and methods of operation thereof 113 1996
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 412 1996
 
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions 166 1996
 
Cash Technologies, Inc. (1)
6,308,887 Multi-transactional architecture 335 1999
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
* 5,412,190 Electronic check presentment system having a return item notification system incorporated therein 203 1993
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 47 2004
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 355 1998
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 194 1994
 
CYARCH, LLC (1)
2003/0167,220 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 44 2001
 
PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration 40 2001
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 69 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 73 2000
 
EASTMAN KODAK COMPANY (1)
7,063,924 Security device with patterned metallic reflection 42 2002
 
ROUNDMEUP, INC. (1)
7,502,758 Creation and distribution of excess funds, deposits, and payments 40 2001
 
UNISYS CORPORATION (1)
5,187,750 Archival document image processing and printing system 238 1991
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 719 1994
5,884,271 Device, system and methods of conducting paperless transactions 503 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 247 1998
 
MONEYFAX, INC. (2)
4,454,414 Funds transfer system using optically coupled, portable modules 464 1982
* 5,122,950 Method of and system for electronic funds transfer via facsimile machines 167 1989
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
CENPOS, INC. (2)
* 8,577,730 Cash management optimization for payment processing 0 2009
* 2011/0106,638 CASH MANAGEMENT OPTIMIZATION FOR PAYMENT PROCESSING 1 2009
 
EWI HOLDINGS, INC. (2)
8,594,286 Systems and methods for personal identification number distribution and delivery 1 2012
8,867,713 Systems and methods for personal identification number distribution and delivery 0 2013
 
MIICARD LIMITED (2)
* 8,332,322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts 1 2010
* 2011/0276,485 METHOD OF ESTABLISHING IDENTITY VALIDATION BASED ON AN INDIVIDUAL'S ABILITY TO ACCESS MULTIPLE SECURE ACCOUNTS 0 2010
 
GOOGLE INC. (4)
8,392,261 Local shopping and inventory 2 2011
8,335,722 Local shopping and inventory 2 2011
8,401,904 Real-time payment authorization 5 2012
8,676,709 Merchant category codes in a proxy card transaction 0 2012
 
EBAY INC. (7)
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 6 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
8,732,076 Methods and systems for providing a savings goal 0 2012
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
 
FIRST DATA CORPORATION (1)
* 2010/0217,674 SYSTEMS, METHODS AND APPARATUS FOR SELECTING A PAYMENT ACCOUNT FOR A PAYMENT TRANSACTION 1 2009
 
ORANGE (2)
* 8,422,652 Device and method for managing communication credits associated to use of services by a terminal 0 2006
* 2009/0092,238 Device and Method for Managing Communication Credits Associated to Use of Services by a Terminal 3 2006
* 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 Aug 15, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 15, 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