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

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

Loading the Abstract Image... loading....

First Claim

See full text

all claims..

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1926

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fellner, Debra C Wilmington, DE 17 191
Fox, Steven Newark, DE 20 132
Hirka, Jeffrey L Wilmington, DE 26 278
Knackstedt, Lee Bear, DE 21 176

Cited Art Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (47)
6,227,447 Cardless payment system 406 1999
6,553,113 System and methods for call decisioning in a virtual call center integrating telephony with computers 125 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 137 1999
7,392,224 System and method of operating a debit card reward program 95 1999
6,557,039 System and method for managing information retrievals from distributed archives 210 1999
7,113,914 Method and system for managing risks 66 2000
6,631,849 Selectable multi-purpose card 397 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 55 2000
6,341,724 Cardless payment system 185 2001
2001/0034,682 International banking system and method 131 2001
2002/0077,978 Method and system for processing internet payments 331 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 49 2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 238 2003
2003/0187,787 System and process for performing purchase transactions using tokens 140 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 99 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 47 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 83 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 47 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 72 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
 
VISA INTERNATIONAL SERVICE ASSOCIATION (23)
4,701,601 Transaction card with magnetic stripe emulator 398 1985
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 316 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 160 1989
5,177,342 Transaction approval system 280 1990
5,175,416 Funds transfer system 373 1991
5,477,038 Method and apparatus for distributing currency 446 1993
5,465,206 Electronic bill pay system 770 1993
5,703,344 Electronic funds confirmation at point of transaction 332 1995
RE36365 Method and apparatus for distributing currency 273 1996
5,920,847 Electronic bill pay system 701 1996
6,119,103 Financial risk prediction systems and methods therefor 425 1997
* 5,963,925 Electronic statement presentment system 431 1997
RE37122 Method and apparatus for distributing currency 218 1998
6,105,008 Internet loading system using smart card 286 1998
6,560,581 System and method for secure electronic commerce transaction 301 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 143 2000
RE38255 Method and apparatus for distributing currency 142 2001
 
CITIBANK, N.A. (19)
5,453,601 Electronic-monetary system 721 1991
5,455,407 Electronic-monetary system 417 1995
5,799,087 Electronic-monetary system 241 1995
5,710,889 Interface device for electronically integrating global financial services 682 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 336 1995
6,058,378 Electronic delivery system and method for integrating global financial services 320 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 285 1996
6,112,190 Method and system for commercial credit analysis 248 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 315 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 81 1998
6,098,053 System and method for performing an electronic financial transaction 475 1999
6,349,290 Automated system and method for customized and personalized presentation of products and services of a financial institution 295 1999
7,051,001 System and method for merchant function assumption of internet checking and savings account transactions 39 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
 
CATALINA MARKETING CORPORATION (16)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 467 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 595 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 462 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 551 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 756 1995
5,710,886 Electric couponing method and apparatus 546 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 241 1998
6,055,573 Communicating with a computer based on an updated purchase behavior classification of a particular consumer 459 1999
6,185,541 System and method for providing shopping aids and incentives to customers through a computer network 259 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
 
PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA (15)
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
 
THE WESTERN UNION COMPANY (15)
5,326,960 Currency transfer system and method 218 1992
5,350,906 Currency transfer system and method using fixed limit cards 474 1992
5,650,604 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds 268 1995
2003/0055,780 Method and system for transferring stored value 96 2001
7,054,842 Stored value cards and methods for their issuance 38 2001
2002/0152,168 Automated transfer with stored value fund 94 2001
2002/0161,702 Money order debit from stored value fund 72 2001
7,092,916 Electronic identifier payment system and methods 79 2001
6,814,282 Systems and methods of introducing and receiving information across a computer network 122 2002
7,107,249 Electronic identifier payment systems and methods 95 2002
2003/0222,136 Stored value education account 82 2002
2003/0130,940 Value transfer systems and methods 98 2002
2003/0130,948 Automated transfer with stored value 116 2003
2003/0135,459 Stored value payouts 118 2003
7,315,843 Electronic identifier payment systems and methods 55 2006
 
CHESS VENTURES LLC (14)
6,805,288 Method for generating customer secure card numbers subject to use restrictions by an electronic card 203 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (14)
5,717,925 Information catalog system with object-dependent functionality 259 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
 
MASTERCARD INTERNATIONAL INCORPORATED (14)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 487 1988
5,557,516 System and method for conducting cashless transactions 291 1994
5,705,798 System and method for processing a customized financial transaction card 260 1994
5,692,132 System and method for conducting cashless transactions on a computer network 536 1995
5,699,528 System and method for bill delivery and payment over a communications network 1011 1995
5,704,046 System and method for conducting cashless transactions 321 1996
6,315,193 Financial transaction card with installment loan feature 142 1998
6,473,500 System and method for using a prepaid card 448 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
 
III HOLDINGS 1, LLC (13)
6,581,839 Transaction card 190 2000
2001/0054,003 System and method for using loyalty points 337 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 66 2002
6,764,014 Transaction card 110 2002
7,606,730 System and method for a multiple merchant stored value card 42 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
 
INTER*ACT SYSTEMS, INCORPORATED (13)
* 5,201,010 Method and system for building a database and performing marketing based upon prior shopping history 392 1992
5,237,620 Check reader method and system for reading check MICR code 232 1992
5,305,196 Check transaction processing, database building and marketing method and system utilizing automatic check reading 221 1992
5,327,508 Method and system for building a database and performing marketing based upon prior shopping history 206 1993
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 546 1993
* 5,388,165 Method and system for building a database and performing marketing based upon prior shopping history 211 1994
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 434 1994
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 344 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 334 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 384 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 276 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 303 1995
6,351,735 Check transaction processing, database building and marketing method and system utilizing automatic check reading 124 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 62 1999
6,490,568 Automated system and method for monitoring financial transactions 114 1999
6,978,369 Person-centric account-based digital signature system 89 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 69 2003
2006/0036,543 Creating groups of linked accounts 52 2005
* 2006/0116,955 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 25 2006
 
FUJITSU LIMITED (11)
5,097,115 Transaction authentication system 120 1989
5,481,094 Point-of-sale terminal 191 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 393 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 35 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
 
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 128 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 95 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
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (9)
5,412,192 Radio frequency activated charge card 251 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 252 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 291 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 150 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 174 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (8)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 116 1999
D449336 Card with a blue ornamental rectangle 50 1999
6,742,704 Multiple-service card system 90 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
 
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 298 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 524 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 602 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 621 1997
 
PRIVASYS, INC. (8)
6,592,044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 253 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 214 2000
7,195,154 Method for generating customer secure card numbers 139 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
 
XATRA FUND MX, LLC (8)
7,239,226 System and method for payment using radio frequency identification in contact and contactless transactions 83 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
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
5,247,190 Electroluminescent devices 1107 1990
5,401,827 Semiconductive copolymers for use in luminescent devices 122 1991
5,399,502 Method of manufacturing of electrolumineschent devices 541 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
 
WALKER DIGITAL, LLC (7)
5,970,478 Method, apparatus, and program for customizing credit accounts 202 1997
6,018,718 Method and system for processing customized reward offers 343 1997
6,163,771 Method and device for generating a single-use financial account number 254 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 138 1999
2002/0165,771 Method and apparatus for establishing prices for a plurality of products 110 2001
 
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
 
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 124 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 200 1996
5,887,065 System and method for user authentication having clock synchronization 179 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 169 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 116 2000
 
BANK OF AMERICA CORPORATION (6)
5,826,243 Integrated system for controlling master account and nested subaccount(s) 319 1994
6,016,482 Enhanced collateralized funding processor 321 1996
2003/0040,959 Method and apparatus for conducting transactions on an automated teller machine 111 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
 
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 171 1989
5,180,901 IC card with individual authentication function 243 1991
5,710,458 Card like semiconductor device 163 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
 
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 221 1995
5,770,843 Access card for multiple accounts 338 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 507 1998
6,456,981 Method and apparatus for displaying a customized advertising message with a retail terminal 136 2000
 
PHOENIX LICENSING, LLC (6)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 463 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 153 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
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
5,218,631 Telephonic-interface game control system 167 1990
5,365,575 Telephonic-interface lottery system 186 1991
5,553,120 Telephonic-interface game control system 126 1993
5,349,633 Telephonic-interface game control system 136 1994
5,787,156 Telephonic-interface lottery system 163 1994
5,835,576 Telephonic-interface lottery device 175 1997
 
SIGNATURE SYSTEMS LLC (6)
6,594,640 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 236 2000
6,947,898 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 110 2003
6,820,061 Method and system for exchange and aggregation of reward points via a global computer network 111 2003
6,829,586 Method and system for aggregation of reward points for payment of auctioned items 112 2003
6,842,739 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 112 2003
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points 189 2004
 
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 113 2000
 
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 178 1997
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 110 1998
 
AT&T IPM CORP. (5)
5,479,494 Virtual calling card system 268 1992
5,450,491 Authenticator card and system 121 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 457 1995
 
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
 
CHASE MANHATAN BANK USA, N.A. (5)
6,615,189 Debit purchasing of stored value card for use by and/or delivery to others 172 1998
6,032,136 Customer activated multi-value (CAM) card 419 1998
6,615,190 Sponsor funded stored value card 217 2000
6,865,547 Customer activated multi-value (CAM) card 150 2000
6,892,187 Debit purchasing of stored value card for use by and/or delivery to others 63 2003
 
CHASE MANHATTAN BANK, THE (5)
5,819,234 Toll collection system 201 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 219 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 452 2000
2002/0095,365 Corporate products trading marketplace 130 2001
 
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 291 1995
5,991,743 System and method for proactively monitoring risk exposure 143 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 90 2001
 
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
 
LUCENT TECHNOLOGIES INC. (5)
5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 394 1993
5,608,785 Method and apparatus for telephone prize opportunities 155 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 496 1994
5,857,079 Smart card for automatic financial records 320 1994
5,729,693 System and method to automatically provide an electronic consumer rebate 246 1996
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 280 1998
6,068,183 Chip card system 198 1998
5,931,764 Wearable device with flexible display 185 1998
6,402,039 Flexible chip card with display 175 1999
6,450,407 Chip card rebate system 358 2000
 
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card 169 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
 
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 83 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 61 2006
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (4)
5,777,305 Package assembly and method for activating prepaid debit cards 284 1996
6,575,361 System and method for managing stored-value card data 123 2000
7,083,084 System and method for managing stored-value card data 66 2003
D533220 Card assembly with vertical magnetic stripes 72 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 154 1996
5,734,154 Smart card with Iintegrated reader and visual image display 193 1996
5,789,733 Smart card with contactless optical interface 289 1996
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (4)
5,999,624 Remote financial transaction system 236 1996
7,275,160 Trusted system 26 2001
2003/0046,542 Method and apparatus for using a secret in a distributed computing system 36 2001
6,732,919 System and method for using a multiple-use credit card 149 2002
 
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
 
MICROSOFT CORPORATION (4)
5,852,812 Billing system for a network 551 1995
5,721,781 Authentication system and method for smart card transactions 597 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 666 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 570 1997
 
MITSUBISHI DENKI KABUSHIKI KAISHA (4)
4,928,001 Secret information preserving system for a multiple issuer IC card 176 1988
5,202,286 Method of forming three-dimensional features on substrates with adjacent insulating films 77 1991
6,045,042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption 102 1992
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards 183 1995
 
SONY ELECTRONICS INC. (4)
6,595,342 Method and apparatus for a biometrically-secured self-service kiosk system for guaranteed product delivery and return 92 2000
2002/0070,976 Selectively disclosing and teaching previously unused features in a multi-function system 23 2000
2002/0073,042 Method and apparatus for secure wireless interoperability and communication between access devices 53 2000
2002/0147,683 Method for purchasing web based digital media 32 2001
 
VERIZON PATENT AND LICENSING INC. (4)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 227 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
 
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 234 1997
 
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system 169 1997
6,278,996 System and method for message process and response 102 1998
6,411,947 Automatic message interpretation and routing system 135 1998
 
CAPITAL ONE FINANCIAL CORPORATION (3)
5,933,817 Tiered interest rate revolving credit system and method 240 1996
2002/0156,723 System and method for providing extra lines of credit 99 2001
2003/0074,290 Methods, systems and articles of manufacture for managing delinquent financial accounts 60 2002
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (3)
* 4,723,212 Method and apparatus for dispensing discount coupons 482 1987
4,910,672 Method and apparatus for dispensing discount coupons 492 1987
5,173,851 Method and apparatus for dispensing discount coupons in response to the purchase of one or more products 522 1990
 
DECISIONING.COM, INC. (3)
5,870,721 System and method for real time loan approval 672 1996
5,940,811 Closed loop financial transaction method and apparatus 531 1996
6,105,007 Automatic financial account processing system 439 1999
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (3)
6,315,195 Transaction apparatus and method 245 1998
2003/0217,005 Automated banking machine system and method 109 2003
7,025,256 Automated banking machine system and method 75 2004
 
DIEBOLD, INCORPORATED (3)
7,039,600 ATM customer marketing system 65 1999
2002/0133,461 Automated banking machine processing system and method 49 2002
2005/0216,888 Method of developing automated banking machine instructions 50 2005
 
EBAY INC. (3)
6,267,292 Method and apparatus for funds and credit line transfers 280 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
 
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
 
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
 
GILBARCO INC. (3)
6,078,888 Cryptography security for remote dispenser transactions 224 1997
6,574,603 In-vehicle ordering 172 1998
6,089,284 Preconditioning a fuel dispensing system using a transponder 114 1998
 
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 173 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 181 1998
 
MICRO ENHANCEMENT INTERNATIONAL (3)
5,857,175 System and method for offering targeted discounts to customers 541 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
 
NEXTCARD, LLC (3)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 380 1998
6,405,181 Method and apparatus for real time on line credit approval 303 1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 153 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
 
Omron Tateisi Electronics Co. (3)
* 4,736,094 Financial transaction processing system using an integrated circuit card device 211 1985
4,851,650 Transaction processing apparatus having a plurality of bank account numbers 47 1985
* 5,140,517 IC card with keyboard for prestoring transaction data 91 1990
 
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 177 1996
5,825,871 Information storage device for storing personal identification information 183 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 335 1995
5,806,044 System and method for distributing coupons through a system of computer networks 367 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
 
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 274 1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 112 1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 105 2001
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (3)
5,949,044 Method and apparatus for funds and credit line transfers 352 1997
6,227,972 Method and apparatus for expiration of prepaid slot machine plays 180 1997
6,128,599 Method and apparatus for processing customized group reward offers 413 1997
 
ACCENTURE GLOBAL SERVICES LIMITED (2)
7,167,844 Electronic menu document creator in a virtual financial environment 246 1999
6,895,383 Overall risk in a system 86 2002
 
ALEXSAM, INC. (2)
6,000,608 Multifunction card system 390 1997
6,189,787 Multifunctional card system 429 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 570 1995
5,960,411 Method and system for placing a purchase order via a communications network 1351 1997
 
Bancorp Services, L.L.C. (2)
5,999,917 Automated system for managing a non-qualified deferred compensation plan 90 1996
5,926,792 System for managing a stable value protected investment plan 127 1998
 
BLOCK FINANCIAL LLC (2)
6,014,645 Real-time financial card application system 432 1996
7,310,617 Real-time financial card offer and application system 72 1999
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 113 1989
5,080,748 Card assembly apparatus 171 1990
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 709 1994
5,884,271 Device, system and methods of conducting paperless transactions 501 1996
 
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 316 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (2)
6,014,634 System and method for providing shopping aids and incentives to customers through a computer network 628 1997
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 408 1997
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
5,744,787 System and method for retail 138 1995
6,065,675 Processing system and method for a heterogeneous electronic cash environment 300 1998
 
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 121 1985
 
CHECKFREE CORPORATION (2)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 627 1991
6,289,322 Electronic bill processing 363 1998
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 474 1997
6,188,309 Method and apparatus for minimizing credit card fraud 113 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 106 1998
6,913,193 Method and system of tracking and providing an audit trail of smart card transactions 35 1999
 
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
 
Data Medi-Card, Inc. (2)
4,575,127 Medical data card having internal illumination 33 1985
4,648,189 Laminated medical data card 71 1985
 
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 109 2003
 
EVERY PENNY COUNTS, INC. (2)
6,112,191 Method and system to create and distribute excess funds from consumer spending transactions 303 1995
6,876,971 Funds distribution system connected with point of sale transaction 89 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
 
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
 
FIRST USA (2)
D493195 Transaction card 43 2000
D481068 Translucent transaction card 60 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 231 1998
6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium 197 1999
 
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
 
GOOGLE TECHNOLOGY HOLDINGS LLC (2)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 266 1996
6,105,006 Transaction authentication for 1-way wireless financial messaging units 103 1997
 
HEWLETT-PACKARD COMPANY (2)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 315 1990
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 566 1996
 
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
 
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
 
IGT (2)
6,377,669 Method and apparatus for awarding and redeeming prepaid telephone time 85 1998
6,558,255 Method and apparatus for expiration of prepaid slot machine plays 89 2001
 
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 281 1997
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 137 1997
6,095,412 Host and user transaction system 149 1997
 
Intellicard International, Inc. (2)
4,614,861 Unitary, self-contained card verification and validation system and method 597 1984
4,707,594 Unitary, self-contained consumer transaction card 72 1985
 
INTERMEC IP CORP. (2)
5,557,092 Apparatus and method for 16-bit and numeric data collection using bar code symbologies 39 1994
6,529,880 Automatic payment system for a plurality of remote merchants 189 1999
 
JET LITHOCOLOR, INC. (2)
6,491,782 Method of producing foil laminate with double-sided printing 42 2000
6,924,026 Foil laminate credit card and method of producing foil laminate credit card with double-sided printing 23 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 232 1997
6,557,766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process 81 2000
 
LEVEL Z, L.L.C. (2)
2002/0091,649 System and method providing stored value payment in multiple level enterprise 38 2001
2002/0165,820 Prepaid electronic cash system with pin vending machines 88 2001
 
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers 104 1994
6,295,344 Telephone travel card system under the control of its customers 48 1998
 
MONEYFAX, INC. (2)
4,454,414 Funds transfer system using optically coupled, portable modules 459 1982
* 5,122,950 Method of and system for electronic funds transfer via facsimile machines 167 1989
 
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
 
NANJI, ANVAR (2)
5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower 312 1992
5,797,133 Method for automatically determining the approval status of a potential borrower 324 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 79 1999
2003/0078,815 Method for generating a study of a benefit plan for international employees of an outsourced client 38 2002
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 297 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 276 1996
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,948,174 Financial data processing system 289 1989
5,121,945 Financial data processing system 278 1990
 
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions 214 1996
6,295,522 Stored-value card value acquisition method and apparatus 206 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 1627 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 493 1997
 
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 50 2003
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 477 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 525 1995
 
SONY CORPORATION (2)
5,845,260 System and method for parent-controlled charging for on-line services 242 1996
6,942,156 Noncontact IC card 50 2001
 
Swychco Support Services Pty. Ltd. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 353 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 225 1997
 
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
 
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
 
THIRD ACT LLC (2)
6,044,360 Third party credit card 331 1997
2004/0093,303 Third party debit card 107 2003
 
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management 125 2001
2002/0111,916 Payment management 87 2001
 
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
 
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
 
YT ACQUISITION CORPORATION (2)
5,805,719 Tokenless identification of individuals 407 1997
6,192,142 Tokenless biometric electronic stored value transactions 92 1999
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card 81 1998
 
A.W. Faber-Castel U.S.A. (1)
6,484,428 Double-sided magnet with graphical image on each side 54 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 85 2005
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 707 1996
 
Adhesives Technology Corporation 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack 63 1991
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 595 1995
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6,138,911 In-store points redemption system and method 221 1999
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 307 1997
 
Alfi S.r.l. (1)
6,045,050 Prepaid or stored-value card with means for preventing useful fraudulent alteration 48 1998
 
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method 174 2001
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 68 2004
 
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 277 1995
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 194 1994
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 100 2004
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 347 1981
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 106 2001
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 159 1992
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 350 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 28 2002
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 169 1998
 
ASSET TRUST, INC. (1)
2008/0027,841 System for integrating enterprise performance management 73 2002
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 47 2004
 
Assured Equities, Inc. (1)
6,064,985 Automated portfolio management system with internet datafeed 280 1998
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 145 1985
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 325 1993
 
ATTITUDE MEASUREMENT CORPORATION (1)
5,489,123 Packaging label including pre-approved incentive card 70 1995
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 322 1994
 
BANK OF MONTREAL (1)
2003/0167,218 Modular financial service instrument 32 2002
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 193 1998
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 263 1997
 
Blane, Canada Ltd. (1)
6,757,660 Method for analyzing information to provide an objective assessment of a predefined subject 52 1999
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 456 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 175 1999
 
BRIDGEPOINT SYSTEMS, INC. (1)
5,936,221 Smart card system and method for transferring value 141 1997
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1441 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 124 1997
 
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities 76 2002
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 110 1988
 
BULL S.A. (1)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment 96 1991
 
BUTCHER, GEORGE H., III (1)
7,266,524 Method, software program, and system for isolating risk in a financial transaction 17 2000
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 216 1996
 
CANON KABUSHIKI KAISHA (1)
D305887 Optically stored data card 102 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 73 2000
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 400 1990
 
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
 
Cash Technologies, Inc. (1)
6,308,887 Multi-transactional architecture 332 1999
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 457 1995
 
CHARITABLE PROPERTY DONATIONS (1)
2007/0203,825 SYSTEMS AND METHODS FOR ENABLING CHARITABLE CONTRIBUTIONS FROM PROPERTY 26 2004
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 121 1999
 
CITRIX SYSTEMS, INC. (1)
6,886,046 Methods and apparatus for extendible information aggregation and presentation 67 2001
 
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 161 1995
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 216 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 100 1994
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 117 2001
 
Computerized Data Ssytems for Mfg., Inc. (1)
5,049,728 IC card system with removable IC modules 227 1990
 
CONSTELLATION TECHNOLOGIES LLC (1)
6,021,189 System for controlling usage of phone debit cards 53 1997
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 474 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 47 2004
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 399 1984
 
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 328 1991
 
Creative Games International, Inc. (1)
6,134,309 Pre-paid phone card system with promotional link 108 1997
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 76 2002
 
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system 549 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
 
CYBERSETTLE.COM, INC. (1)
6,954,741 Computerized dispute resolution system and method 65 1999
 
Dai Nippon Insatsu Kabushiki Kaisha (1)
4,856,857 Transparent reflection-type 263 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 116 1996
 
DATATREASURY CORPORATION (1)
5,787,403 Bank-centric service platform, network and system 310 1995
 
DATAWAVE SYSTEMS, INC. (1)
6,659,259 Multiple denomination currency receiving and prepaid card dispensing method and apparatus 72 2001
 
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 450 1993
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6,105,009 Automated teller machine dispenser of debit cards 116 1998
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 184 2000
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 142 1999
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 335 1989
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 99 2001
 
Dittler Brothers Incorporated (1)
4,817,949 Automated teller machine transaction receipts with integral promotional game 54 1987
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 294 2000
 
DS-IQ, INC. (1)
6,330,543 Method and system for distributing and reconciling electronic promotions 234 1998
 
DUBINSHIRE LTD., LLC (1)
6,886,741 Electronic transaction system 43 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 186 2000
 
e-Vantage International, Inc. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market 227 2001
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 114 2000
 
EASTMAN KODAK COMPANY (1)
7,063,924 Security device with patterned metallic reflection 42 2002
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 410 1996
 
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations 77 1989
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1426 1995
 
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll 41 2004
 
Executing the Numbers, Inc. (1)
6,119,097 System and method for quantification of human performance factors 114 1997
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 582 1996
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 351 1998
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 130 2002
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 737 1995
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
2004/0128,195 System and method for processing transactions 42 2003
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 992 1995
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 721 1987
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 166 1984
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 78 2000
 
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections 137 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 216 1997
 
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
 
FUTURELOGIC, INC. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment 49 2005
 
G & D CARDTECH, INC. (1)
6,644,551 Card 81 2001
 
GALAXIA COMMUNICATIONS INC. (1)
6,793,135 Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards 67 2001
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 422 1997
 
GEMALTO SA (1)
5,901,303 Smart cards, systems using smart cards and methods of operating said cards in systems 154 1996
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 80 2005
 
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 183 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 63 1990
 
GOLDENSOURCE CORPORATION (1)
6,513,019 Financial consolidation and communication platform 311 1999
 
GOLDMAN, SACHS & CO. (1)
2004/0024,693 Proprietary risk management clearinghouse 64 2003
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 190 2003
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 57 2004
 
GROUPON, INC. (1)
6,327,573 Multiple party reward system utilizing single account 262 1998
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1223 1989
 
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
 
HE, KAI-CHIEN (1)
6,581,845 Chip-base plastic currency with cash amount loading function 23 2001
 
HITACHI CAPITAL CORPORATION (1)
* 2002/0029,191 Settlement system with IC card, IC card, method of settlement 25 2001
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 134 1997
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 479 1996
 
IN-STORE BROADCASTING NETWORK, LLC (1)
2005/0234,771 Method and system for providing intelligent in-store couponing 73 2005
 
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head 234 1993
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 231 2003
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 409 1995
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 262 1998
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 124 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 247 1995
 
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card 81 2000
 
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
 
INTERNET PROMISE GROUP, LLC (1)
7,254,560 Method and apparatus for an integrated identity security and payment system 27 2001
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 277 1995
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 151 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 130 1995
 
IVI CHECKMATE CORP. (1)
2002/0165,829 Financial transaction processing system 12 2001
 
IZER INTERNATIONAL, A CORP. OF CA (1)
4,643,452 Business card attaching strip 104 1985
 
J.J. & Associates Inc. (1)
2002/0082,990 Method of invoice presentation and payment 104 2000
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 54 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
 
JEFFERSON CAPITAL SYSTEMS, LLC (1)
2005/0102,228 System and method for providing a credit account for debt recovery 46 2003
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 90 2004
 
Juergen Dethloff (1)
4,837,422 Multi-user card system 468 1987
 
K. B., INC. (1)
2009/0250,522 Method and Material for Manufacturing Electrically Conductive Patterns, Including Radio Frequency Identification (RFID) Antennas 23 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 161 1997
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 139 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 85 1999
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 58 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags 122 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 27 2001
 
KYODO PRINTING CO., LTD. (1)
2009/0242,645 NON-CONTACT TYPE IC CARD 29 2007
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 231 1985
 
LDC Direct Ltd. (1)
6,169,975 Point-of-distribution pre-paid card vending system 169 1997
 
LEAD CORE FUND, L.L.C. (1)
7,216,091 Stored value transaction system including an integrated database server 106 1999
 
LENDINGTREE, LLC (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 279 1998
 
LEONHARD KURZ GMBH & CO. (1)
5,383,687 Value document and embossing foil for the production thereof 105 1993
 
LEVEL A, L.L.C. (1)
6,834,796 Anonymous redemption and stored value system and method 25 2002
 
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method 96 2001
 
Licensys Pty Ltd (1)
D538349 Number plate 52 2005
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment 156 1985
 
LIFEPROXY LLC (1)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 11 2001
 
LIVINGSTON INTERNATIONAL TECHNOLOGY SERVICES CORPORATION (1)
2009/0150,370 System and Method For Restricted Party Screening and Resolution Services 27 2007
 
Lobar Code Inc. (1)
5,665,953 Self-contained personal data collector for redeeming coupons 187 1996
 
LUCKY TAB HOLDINGS, LLC (1)
5,928,082 Voucher and game ticket combination and apparatus and method used therewith 220 1997
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 101 1991
 
M & R Industries, Inc. (1)
* 4,839,504 IC card system compatible with bank account system 167 1987
 
M.A. Rivalto, Inc. (1)
5,482,139 Automated drive-up vending facility 238 1995
 
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 167 1996
 
Marflex International Inc. (1)
5,503,891 Flexible magnet attractant display mat 74 1994
 
Martiz, Inc. (1)
5,689,100 Debit card system and method for implementing incentive award program 416 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
 
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 300 1998
 
Meridian Enterprises, Inc. (1)
5,025,372 System and method for administration of incentive award program through use of credit 624 1989
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 50 2005
 
METLIFE LIFE INSURANCE COMPANY (1)
5,806,047 System for combined pool portfolio 142 1995
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 56 2001
 
MicroBilt Corporation (1)
5,466,920 Real time decoding for card transaction terminal 55 1991
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
2001/0037,315 System and method for secure distribution of information via eMail 100 2000
 
Midnight Blue Remote Access LLC (1)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information 351 1999
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 434 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 277 1995
 
Mitsubishi Electric Semiconductor Software Co., Ltd. (1)
5,736,728 Non contact IC card and a non contact IC card system 122 1995
 
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
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 147 1999
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 288 1996
 
MoneyAbility Technology, LLC (1)
2006/0085,334 Dynamic financial liability management 93 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 196 1989
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 343 1999
 
MOTOROLA MOBILITY LLC (1)
6,265,977 Radio frequency identification tag apparatus and related method 355 2000
 
MOTOROLA, INC. (1)
6,049,463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same 144 1997
 
MWM CONSULTING GROUP (1)
2004/0088,236 Method and apparatus for investment consulting, benefit projection and investment analysis 89 2002
 
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
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 77 1994
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 72 2001
 
National Business Systems, Inc. (1)
4,866,545 Credit card embossing and recording system 32 1988
 
NEOPOST TECHNOLOGIES (1)
6,227,445 Secure smart card access to pre-paid metering funds in meter 35 1998
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 198 1999
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 190 1997
 
NIPPON CONLUX CO., LTD. (1)
5,409,092 Vending system capable of renewing record of a prepaid card 145 1991
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 83 1997
 
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing 30 2004
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 128 1996
 
OneName Corporation (1)
6,757,710 Object-based on-line transaction infrastructure 219 2002
 
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method 222 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 91 1999
 
OPTIS WIRELESS TECHNOLOGY, LLC (1)
6,070,067 Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks 218 1997
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 220 1998
 
OUTERWALL INC. (1)
6,349,972 Coin-discriminator voucher anti-counterfeiting method and apparatus 86 1999
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 270 1998
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 539 1992
 
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique 85 2001
 
PAPER SYSTEMS, INC. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper 36 2005
 
PASS TECHNOLOGIES, INC. (1)
4,859,837 Portable data carrier incorporating manually presettable processing modes 144 1988
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 243 1989
 
PELIKON LIMITED (1)
6,360,954 Portable cards 124 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 196 1994
 
PERFECT PLASTIC PRINTING CORPORATION (1)
4,938,830 Plastic card and method of fabrication thereof 73 1988
 
PINPOINT INCORPORATED (1)
2001/0014,868 SYSTEM FOR THE AUTOMATIC DETERMINATION OF CUSTOMIZED PRICES AND PROMOTIONS 555 1998
 
PITNEY BOWES INC. (1)
7,461,028 Method and system for authorizing use of a transaction card 32 2001
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 154 2000
 
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions 47 2004
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 377 1998
 
POINTMEDIA CORPORATION (1)
2002/0145,039 Apparatus and method for selling lottery tickets at fuel dispensers 61 2001
 
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 188 2001
 
PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration 40 2001
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2001/0034,684 System and methods for designing group retirement plans 30 2001
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 97 2003
 
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same 118 2006
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 202 1998
 
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making 126 1994
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 321 1996
 
PROPAY USA, INC. (1)
2009/0240,620 SECURE PAYMENT SYSTEM 22 2008
 
PROPAY, INC. (1)
2010/0030,697 END-TO-END SECURE PAYMENT PROCESSES 20 2008
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 127 1997
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 367 1996
 
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions 164 1996
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 102 2001
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 218 1987
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 348 1995
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 110 2000
 
REALSOURCE, INC. (1)
5,732,136 Merchant specific debit card verification system 154 1997
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 133 1997
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 200 2002
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 118 1995
 
Retail Royalty Company (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes 111 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 113 1999
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 68 2002
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 105 1996
 
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module 88 1999
 
ROUNDMEUP, INC. (1)
7,502,758 Creation and distribution of excess funds, deposits, and payments 39 2001
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 108 1990
 
S/B Exchange Enterprises, Inc. (1)
2003/0004,828 Prepaid card authorization and security system 139 2002
 
Safecard ID System, Inc. (1)
6,164,548 Methods of creating a tamper resistant informational article 97 1998
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 133 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 517 1996
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 240 1992
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 133 1988
 
Sigma Computer Research Associates Inc. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 398 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 200 1993
 
SMART TV LLC (1)
5,907,350 Television signal activated interactive smart card system 150 1997
 
SMART-MOVE LIMITED (1)
6,213,392 Card interface for interfacing a host application program to data storage cards 87 1998
 
SmartCard International Inc. (1)
4,868,376 Intelligent portable interactive personal data system 487 1987
 
SOCIETE ANONYME DITE: COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
4,977,501 Fare collection system using microwaves 81 1989
 
Sohwa Laminate Printing Co., Ltd. (1)
4,647,714 Composite sheet material for magnetic and electronic shielding and product obtained therefrom 84 1984
 
SOUND VIEW INNOVATIONS, LLC (1)
6,742,125 Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol 23 1996
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 60 2001
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 370 1997
 
SQN (1)
5,444,794 Check image capture system 247 1993
 
STANDARD & POOR'S FINANCIAL SERVICES LLC (1)
2004/0128,217 Method for assessing the economic earnings performance of a business enterprise 20 2002
 
Starbucks Corporation (1)
2005/0077,350 Dual card 75 2004
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 104 2001
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 485 1984
 
STOCKHAUSEN GMBH (1)
6,344,108 Using a dicarboxylic acid dialkyl ester brightening 29 1999
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 152 2003
 
SUMMIT BANCORP (1)
6,454,647 Method and system for automated collect and win sweepstakes for ATM transactions 42 1999
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 383 1988
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 47 2004
 
SYMBOL TECHNOLOGIES, INC. (1)
5,979,757 Method and system for presenting item information using a portable data terminal 711 1996
 
Taihei Kagaku Seihin Kabushiki Kaisha (1)
4,479,995 Plastic card having metallic luster 46 1982
 
TAIWAN NAME PLATE CO., LTD. (1)
2007/0020,443 Card with a picture-contained mirror surface layer 27 2005
 
TALX CORPORATION (1)
2003/0149,660 Method and system for managing employee access to payroll information 39 2002
 
TAO TECHNOLOGIES, LLC (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet 473 1997
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 65 2003
 
TC LICENSE LTD. (1)
2002/0178,063 Community concept for payment using RF ID transponders 151 2001
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 479 1995
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 583 1986
 
The De La Rue Company PLC (1)
4,747,620 Security card and security card blank 52 1986
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 247 1991
 
THE OHIO STATE UNIVERSITY (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 99 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 41 2004
 
The Real Gold Card Company Limited (1)
6,025,283 Charge card 112 1998
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 157 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) 100 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
 
THOMSON LICENSING (1)
6,999,569 System and method for using a prepaid card 70 2002
 
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 298 1997
 
TOSHIBA BATTERY CO., LTD. (1)
4,777,563 Thin type electronic instrument 70 1987
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 269 1994
 
TOURNAMENT HOLDINGS LTD., L.L.C. (1)
6,048,271 Automated league and tournament device 197 1996
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 348 1986
 
TRANSACT TECHNOLOGIES INCORPORATED (1)
2003/0217,329 Methods and apparatus for creating customized messages for printing on a transaction slip 45 2003
 
TRANSILWRAP COMPANY, INC. (1)
4,545,838 Lamination product and method employing temporary transfer film 134 1983
 
TRINTECH LIMITED (1)
2003/0135,453 Transaction dispute management system and method 30 2002
 
True Resources, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 60 2005
 
TSSI SYSTEMS LIMITED (1)
6,179,211 Method of identifying a data carrier 22 1998
 
TWEETER INTELLECTUAL PROPERTY, LLC (1)
5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 132 1994
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 151 2002
 
UNIFOIL CORPORATION (1)
2008/0187,770 Metallization process and product produced thereby 21 2008
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 177 1994
 
Union State Bank (1)
7,006,992 Risk assessment and management system 128 2000
 
UNISYS CORPORATION (1)
5,187,750 Archival document image processing and printing system 234 1991
 
UNITED PARCEL SERVICE OF AMERICA, INC. (1)
7,184,973 Method and apparatus for communicating order entries in a network environment 49 2001
 
UNIVERSAL INTEGRITY PTY LTD (1)
2005/0108,152 Financial brokering method 51 2004
 
UNIVERSAL INTELLECTUAL PROPERTY HOLDINGS, INC. (1)
2005/0021,457 Financial account up-front incentives management system and method 158 2004
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 239 1994
 
US PHILIPS ELECTRONICS (1)
6,424,029 Chip card 204 2000
 
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
 
Value Benefits Insurance Agency, Inc. (1)
2003/0204,421 Integrated system and method for insurance products 73 2002
 
VANTEQ, INC. (1)
7,089,202 Method and system for internet banking and financial services 130 2000
 
VERIFONE, INC. (1)
5,440,108 System and method for dispensing and revalung cash cards 221 1993
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 197 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 111 1998
 
W. & T. Avery Limited (1)
5,352,877 Non-contact transaction system with token presence detection 64 1992
 
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 420 1995
 
WAY AHEAD IP LLC (1)
5,905,246 Method and apparatus for coupon management and redemption 368 1996
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 339 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 165 1997
 
WEEKS, STEPHEN M. (1)
7,346,567 Conditional fee ownership home financing system and business method 44 2002
 
Weiss Jensen Ellis & Howard (1)
6,144,848 Handheld remote computer control and methods for secured interactive real-time telecommunications 635 1996
 
Welcome Real-Time (1)
6,419,161 Apparatus and method for processing coded information stored on an integrated circuit card 43 2001
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 192 1998
 
WELLS FARGO HOME MORTGAGE, A DIVISION OF WELLS FARGO BANK, N.A. (1)
2004/0064,402 Method of refinancing a mortgage loan and a closing package for same 126 2002
 
WINBOND ELECTRONICS CORP. (1)
5,877,975 Insertable/removable digital memory apparatus and methods of operation thereof 112 1996
 
WINKLEVOSS TECHNOLOGIES, L.L.C. (1)
2004/0117,202 Method and system for determining benefits 42 2003
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 423 1995
 
XEROX CORPORATION (1)
6,073,160 Document communications controller 163 1996
 
Xtreme Traffic Builders, Inc. (1)
6,557,750 Promotional mailing device 55 2002
 
YALE UNIVERSITY (1)
2003/0110,111 Home equity insurance financial product 72 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 194 1996
 
York Eggleston (1)
6,061,660 System and method for incentive programs and award fulfillment 559 1998
 
YOU TECHNOLOGY, LLC (1)
2002/0174,018 Method, system, and computer readable medium for facilitating a transaction between a customer, a merchant and an associate 65 2001
 
ZIH CORP. (1)
5,680,459 Passive transponder 126 1995
 
ZYNGA INC. (1)
6,006,205 Credit card billing method and system 141 1997
 
Other [Check patent profile for assignment information] (103)
4,338,587 Toll collection system 109 1980
4,582,985 Data carrier 388 1982
4,669,730 Automated sweepstakes-type game 367 1984
4,700,055 Multiple credit card system 332 1985
4,755,661 Connection of electronic components in a card 39 1986
5,025,139 Redeemable coupon disbursement control and reporting system 139 1987
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 344 1989
5,192,947 Credit card pager apparatus 343 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 427 1990
5,206,803 System for enhanced management of pension-backed credit 276 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 529 1991
5,297,026 System for promoting account activity 311 1992
5,359,183 Payment card with display 179 1992
5,326,959 Automated customer initiated entry remittance processing system 378 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 490 1992
5,413,341 Equipment for, and methods of playing, a prize drawing game of chance 51 1993
5,380,046 Secured personal information packet 59 1993
5,774,882 Credit approval system 205 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 163 1993
5,457,305 Distributed on-line money access card transaction processing system 259 1994
* 5,585,787 Programmable credit card 432 1994
5,477,040 Structure for a method of facilitating charge transactions 247 1994
5,748,737 Multimedia electronic wallet with generic card 348 1994
5,745,706 Computer system and related equipment for spending and investment account management 219 1994
5,689,650 Community reinvestment act network 319 1995
5,677,521 Personal identification and credit information system and method of performing transaction 78 1995
5,787,404 Credit-card based retirement fund system and method 210 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 275 1996
5,907,142 Fraud resistant personally activated transaction card 215 1996
5,955,961 Programmable transaction card 375 1996
5,953,710 Children's credit or debit card system 607 1996
5,903,879 Method of managing a loan for funding a pension 91 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 158 1997
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 191 1997
6,142,640 Credit card pocket mirror and miniature billboard 32 1997
5,984,180 Method and system for gift credit card 215 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 256 1997
H1794 Secure money transfer techniques using hierarchical arrangement of smart cards 78 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 178 1997
6,078,891 Method and system for collecting and processing marketing data 261 1997
* 6,085,976 Travel system and methods utilizing multi-application passenger cards 311 1998
6,324,526 System and method for performing secure credit card purchases 137 1999
2002/0059,139 SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION 110 1999
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 285 1999
6,145,741 Universal pre-paid gasoline and travel card 127 1999
6,385,591 Method and system for electronic organization of coupons 282 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 288 1999
2002/0013,751 AUTOMATED SYSTEM FOR MANAGING A NON-QUALIFIED DEFERRED COMPENSATION PLAN 41 1999
6,327,575 Point of sale terminal for the visually impaired 117 2000
6,609,658 Travel system and methods utilizing multi-application traveler cards 125 2000
6,868,426 Virtual document organizer system and method 126 2000
6,409,593 Drawing for winners over the internet 44 2000
6,561,657 Credit card pocket mirror and miniature billboard 75 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 93 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 63 2001
2001/0001,856 Prepaid cash equivalent card and system 124 2001
2002/0099,667 Mehtod and apparatus for making purchases over the internet using pre-paid cards 46 2001
2002/0103,852 System for optimizing investment performance 54 2001
2001/0034,663 Electronic contract broker and contract market maker infrastructure 122 2001
2002/0069,122 Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet 101 2001
2002/0116,330 Wireless communicating credit card 112 2001
2001/0038,033 Unified communications and commerce systems and methods, and device therefore 95 2001
2002/0143,703 Internet cash card 86 2001
2002/0035,527 System for relating investment account information to an investment objective 87 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 187 2001
6,481,125 Combination postcard and peel-off sticker 55 2001
2002/0032,609 Calendar transaction manager agent, systems and methods 71 2001
2002/0019,793 Method and system for implementing a combined investment 72 2001
6,647,374 System and method of assessing and rating vendor risk and pricing of technology delivery insurance 110 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 123 2001
D468789 Wheeled body board 42 2001
6,607,127 Magnetic stripe bridge 204 2001
2002/0065,720 Online promotion redemption control 49 2001
2002/0073,030 Configuration and method for increasing the prepaid amount associated with an electronic prepaid account 21 2001
7,082,416 Method of using prepaid cash card for making purchases on the world wide web 24 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 144 2002
2002/0120,627 Virtual document organizer system and method 96 2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations 72 2002
2002/0174,016 Multiple accounts and purposes card method and system 179 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 97 2002
D476681 Bank check 53 2002
6,805,289 Prepaid card payment system and method for electronic commerce 69 2002
D476683 Combined bookmark and photograph holder 32 2002
6,942,569 Drawing for winners over the internet using receipts and zipcodes 40 2002
2002/0198,848 Transaction verification system and method 34 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 104 2002
6,727,802 Anti-tear protection for smart card transactions 42 2002
2003/0182,246 Applications of fractal and/or chaotic techniques 97 2003
D485573 Combined business card with bar code, laser punched holes and radio frequency IC 63 2003
2003/0195,842 Method and device for making secure transactions 104 2003
2003/0195,808 Managing retailer product disbursement 90 2003
D495736 Postcard form for maintaining privacy of information contained thereon 55 2003
2004/0024,672 Customer activated multi-value (CAM) card 104 2003
2004/0149,544 Scraping and cleaning device for conveyor belts 64 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 174 2004
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 100 2004
7,051,929 Secure credit card having daily changed security number 144 2004
2005/0086,160 Method for implementing anonymous credit card transactions using a fictitious account name 181 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 199 2004
2005/0167,488 Gaming system using an automated teller machine 38 2005
2006/0131,869 Methods for use in alerting others that animals are in need of care 42 2005
D551705 Magnetic, sandwich-type bookmark 63 2006
2008/0301,041 Method and system for processing financial transactions using multiple financial accounts 33 2007
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
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 5 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
 
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
 
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
 
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
 
CENPOS, INC. (1)
* 8,577,730 Cash management optimization for payment processing 0 2009
 
MIICARD LIMITED (1)
* 8,332,322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts 1 2010
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Aug 15, 2014
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 - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00