US Patent No: 7,890,422

Multiple account advanced payment card and method of routing card transactions

Stats

Feb 15, 2011
Issued date
Jul 9, 2008
filing date
12/169,898
serial no
In Force
status

Importance

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Abstract

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

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First Claim

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Related Publications

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Patent Owner(s)

Patent Owner	Address	Total Patents
JPMORGAN CHASE BANK, N.A.	NEW YORK, NY	1855

International Classification(s)

G06Q:DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAP....

[Classification Symbol]

[Patents Count]

Inventor(s)

Inventor Name	Address	# of filed Patents	Total Citations
Fellner, Debra C	Wilmington, DE	10	111
Fox, Steven	Newark, DE	11	72
Hirka, Jeffrey L	Wilmington, DE	19	152
Knackstedt, Lee	Bear, DE	13	97

Cited Art

Patent Info	# Cites	Year
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NCR CORPORATION (7)
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WALKER DIGITAL, LLC (7)
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BANK OF AMERICA CORPORATION (6)
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CHASE MANHATTAN BANK, THE (6)
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KABUSHIKI KAISHA TOSHIBA (6)
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RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
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6,820,061 Method and system for exchange and aggregation of reward points via a global computer network	67	2003
6,829,586 Method and system for aggregation of reward points for payment of auctioned items	71	2003
6,842,739 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs	65	2003
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points	112	2004
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component	79	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	100	1999
6,434,259 Method of providing secure user access	90	1999
6,429,927 Imaging device, especially for optical fingerprinting	81	1999
6,498,861 Biometric security encryption system	88	2000
AT&T CORP. (5)
6,192,113 Method and apparatus for phone card billing	45	1995
5,675,607 Method and apparatus for facilitating the making of card calls	94	1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network	149	1995
6,024,286 Smart card providing a plurality of independently accessible accounts	147	1997
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING	88	1998
AT&T IPM CORP. (5)
5,479,494 Virtual calling card system	223	1992
5,450,491 Authenticator card and system	89	1993
5,450,477 Monitoring of charges debited to an account having an assigned limit	128	1993
5,541,583 Arrangement for interrogating portable data communication devices	129	1995
5,708,422 Transaction authorization and alert system	337	1995
BRADY WORLDWIDE, INC. (5)
D466929 Security pass	49	2002
D467271 Security pass	48	2002
D467272 Security pass	46	2002
D474235 Security pass	66	2002
D477359 Security pass	59	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	129	1998
6,032,136 Customer activated multi-value (CAM) card	299	1998
6,615,190 Sponsor funded stored value card	164	2000
6,865,547 Customer activated multi-value (CAM) card	104	2000
6,892,187 Debit purchasing of stored value card for use by and/or delivery to others	44	2003
GENERAL ELECTRIC COMPANY (5)
4,845,347 Transaction system	55	1986
5,696,907 System and method for performing risk and credit analysis of financial service applications	236	1995
5,991,743 System and method for proactively monitoring risk exposure	119	1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy	125	1998
6,675,127 Computerized systems and methods for managing project issues and risks	70	2001
GIESECKE & DEVRIENT GMBH (5)
6,343,743 Method of checking authenticity of a data carrier	58	1998
6,382,677 Security element and method for producing same	29	1999
6,726,813 Security device and method for producing it	21	2002
7,479,320 Security element and method for producing the same	25	2002
7,503,503 Card laminate	18	2005
MICROSOFT CORPORATION (5)
5,852,812 Billing system for a network	444	1995
5,721,781 Authentication system and method for smart card transactions	494	1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions	550	1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions	450	1997
2001/0037,315 System and method for secure distribution of information via eMail	69	2000
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display	221	1998
6,068,183 Chip card system	149	1998
5,931,764 Wearable device with flexible display	144	1998
6,402,039 Flexible chip card with display	134	1999
6,450,407 Chip card rebate system	216	2000
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card	107	2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag	33	2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag	32	2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag	31	2007
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (4)
5,777,305 Package assembly and method for activating prepaid debit cards	228	1996
6,575,361 System and method for managing stored-value card data	98	2000
7,083,084 System and method for managing stored-value card data	46	2003
D533220 Card assembly with vertical magnetic stripes	56	2004
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options	92	1996
5,770,849 Smart card device with pager and visual image display	126	1996
5,734,154 Smart card with Iintegrated reader and visual image display	137	1996
5,789,733 Smart card with contactless optical interface	249	1996
GENWORTH FINANCIAL, INC. (4)
6,912,502 System and method for compliance management	73	1999
7,398,241 Method and system for portable retirement investment	52	2001
2002/0194,098 System and method for guaranteeing minimum periodic retirement income payments using an adjustment account	61	2002
2004/0172,350 System and method for cross funding of multiple annuity contracts	55	2002
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (4)
5,999,624 Remote financial transaction system	162	1996
7,275,160 Trusted system	19	2001
2003/0046,542 Method and apparatus for using a secret in a distributed computing system	27	2001
6,732,919 System and method for using a multiple-use credit card	117	2002
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems	50	2002
D490840 Proximity interface for transaction acceptance systems	38	2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems	43	2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems	36	2003
MITSUBISHI DENKI KABUSHIKI KAISHA (4)
4,928,001 Secret information preserving system for a multiple issuer IC card	143	1988
5,202,286 Method of forming three-dimensional features on substrates with adjacent insulating films	61	1991
6,045,042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption	83	1992
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards	154	1995
QSECURE, INC. (4)
2006/0249,574 Automated payment card fraud detection and location	43	2006
D562888 Payment card with a full pan display	25	2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES	52	2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS	37	2006
SONY ELECTRONICS INC. (4)
2002/0070,976 Selectively disclosing and teaching previously unused features in a multi-function system	12	2000
2002/0073,042 Method and apparatus for secure wireless interoperability and communication between access devices	36	2000
6,595,342 Method and apparatus for a biometrically-secured self-service kiosk system for guaranteed product delivery and return	66	2000
2002/0147,683 Method for purchasing web based digital media	20	2001
TOTAL FINA ELF (4)
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
ACTIVCARD (3)
5,737,421 System for controlling access to a function having clock synchronization	98	1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables	167	1996
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters	89	2000
BMC RESOURCES, INC. (3)
5,652,786 Automated interactive bill payment system	213	1996
5,715,298 Automated interactive bill payment system using debit cards	161	1997
5,870,456 Automated interactive bill payment system using debit cards	177	1997
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system	125	1997
6,278,996 System and method for message process and response	78	1998
6,411,947 Automatic message interpretation and routing system	88	1998
CAPITAL ONE FINANCIAL CORPORATION (3)
5,933,817 Tiered interest rate revolving credit system and method	164	1996
2002/0156,723 System and method for providing extra lines of credit	70	2001
2003/0074,290 Methods, systems and articles of manufacture for managing delinquent financial accounts	35	2002
CATALINA MARKETING INTERNATIONAL, A DE CORP. (3)
4,723,212 Method and apparatus for dispensing discount coupons	413	1987
4,910,672 Method and apparatus for dispensing discount coupons	398	1987
5,173,851 Method and apparatus for dispensing discount coupons in response to the purchase of one or more products	417	1990
DECISIONING.COM, INC. (3)
5,870,721 System and method for real time loan approval	498	1996
5,940,811 Closed loop financial transaction method and apparatus	370	1996
6,105,007 Automatic financial account processing system	335	1999
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (3)
6,315,195 Transaction apparatus and method	190	1998
2003/0217,005 Automated banking machine system and method	70	2003
7,025,256 Automated banking machine system and method	46	2004
DIEBOLD, INCORPORATED (3)
7,039,600 ATM customer marketing system	36	1999
2002/0133,461 Automated banking machine processing system and method	28	2002
2005/0216,888 Method of developing automated banking machine instructions	30	2005
EBAY INC. (3)
6,267,292 Method and apparatus for funds and credit line transfers	191	1999
7,047,222 Secure encryption of data packets for transmission over unsecured networks	24	2000
2005/0171,842 Method and system for incentivizing the promotion of a payment service	26	2004
EVERY PENNY COUNTS, INC. (3)
6,112,191 Method and system to create and distribute excess funds from consumer spending transactions	230	1995
6,876,971 Funds distribution system connected with point of sale transaction	65	2000
7,502,758 Creation and distribution of excess funds, deposits, and payments	23	2001
GENERAL ELECTRIC CAPITAL CORPORATION (3)
6,856,973 Methods and systems for assessing creditworthiness of a country	62	1999
6,970,830 Methods and systems for analyzing marketing campaigns	95	1999
7,392,221 Methods and systems for identifying early terminating loan customers	23	2001
GILBARCO INC. (3)
6,078,888 Cryptography security for remote dispenser transactions	191	1997
6,574,603 In-vehicle ordering	129	1998
6,089,284 Preconditioning a fuel dispensing system using a transponder	92	1998
INTERNATIONAL CARD TECHNOLOGY (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof	166	1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof	124	1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof	140	1998
MICRO ENHANCEMENT INTERNATIONAL (3)
5,857,175 System and method for offering targeted discounts to customers	408	1995
6,484,146 System for offering targeted discounts to customers and collecting purchasing behavior data	46	1997
7,024,374 Targeted marketing and purchase behavior monitoring system	38	2000
MOTOROLA MOBILITY LLC (3)
5,777,903 Solar cell powered smart card with integrated display and interface keypad	232	1996
6,105,006 Transaction authentication for 1-way wireless financial messaging units	72	1997
6,265,977 Radio frequency identification tag apparatus and related method	319	2000
NEXTCARD, LLC (3)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer	252	1998
6,405,181 Method and apparatus for real time on line credit approval	202	1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit	89	1998
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4,746,787 IC card with display and card recording and reading device	119	1985
5,146,068 System for authenticating an authorized user of an IC card	76	1990
6,338,048 Electronic transaction system	97	1999
OMRON TATEISI ELECTRONICS CO. (3)
4,736,094 Financial transaction processing system using an integrated circuit card device	176	1985
4,851,650 Transaction processing apparatus having a plurality of bank account numbers	33	1985
5,140,517 IC card with keyboard for prestoring transaction data	70	1990
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data	104	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	143	1996
5,825,871 Information storage device for storing personal identification information	152	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	284	1995
5,806,044 System and method for distributing coupons through a system of computer networks	292	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	135	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	220	1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices	78	1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine	77	2001
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (3)
5,949,044 Method and apparatus for funds and credit line transfers	265	1997
6,227,972 Method and apparatus for expiration of prepaid slot machine plays	122	1997
6,128,599 Method and apparatus for processing customized group reward offers	291	1997
ACCENTURE GLOBAL SERVICES LIMITED (2)
7,167,844 Electronic menu document creator in a virtual financial environment	169	1999
6,895,383 Overall risk in a system	65	2002
ACTIVCARD S.A. (2)
5,887,065 System and method for user authentication having clock synchronization	140	1997
5,937,068 System and method for user authentication employing dynamic encryption variables	129	1997
ALEXSAM, INC. (2)
6,000,608 Multifunction card system	289	1997
6,189,787 Multifunctional card system	334	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	426	1995
5,960,411 Method and system for placing a purchase order via a communications network	1092	1997
BANCORP SERVICES, L.L.C. (2)
5,999,917 Automated system for managing a non-qualified deferred compensation plan	72	1996
5,926,792 System for managing a stable value protected investment plan	94	1998
BLOCK FINANCIAL LLC (2)
6,014,645 Real-time financial card application system	333	1996
7,310,617 Real-time financial card offer and application system	27	1999
BOSTEC SYSTEMS, INC. (2)
4,978,401 Card assembly method	93	1989
5,080,748 Card assembly apparatus	137	1990
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions	538	1994
5,884,271 Device, system and methods of conducting paperless transactions	382	1996
CALL PROCESSING, INC. (2)
5,511,114 Telephone pre-paid calling card system and method	278	1994
5,721,768 Pre-paid card system and method	265	1996
CARALINA MARKETING INTERNATIONAL, INC. (2)
6,014,634 System and method for providing shopping aids and incentives to customers through a computer network	480	1997
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history	289	1997
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
5,744,787 System and method for retail	110	1995
6,065,675 Processing system and method for a heterogeneous electronic cash environment	232	1998
CASIO COMPUTER CO., LTD. (2)
4,754,418 Combined electronic calculator and credit card	111	1985
4,697,072 Identification card and authentication system therefor	100	1985
CHECKFREE CORPORATION (2)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans	525	1991
6,289,322 Electronic bill processing	272	1998
CITICORP (2)
5,914,472 Credit card spending authorization control system	347	1997
6,188,309 Method and apparatus for minimizing credit card fraud	89	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	86	1998
6,913,193 Method and system of tracking and providing an audit trail of smart card transactions	24	1999
CUBIC CORPORATION (2)
6,655,587 Customer administered autoload	29	2002
2006/0261,927 Smart card receiver and system for pulsed RF fields	24	2006
DATA MEDI-CARD, INC. (2)
4,575,127 Medical data card having internal illumination	27	1985
4,648,189 Laminated medical data card	58	1985
DELIVERM CONSULTING B.V., LLC (2)
7,401,049 System and method for a prepaid card issued by a foreign financial institution	15	2002
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability	52	2003
EXXON RESEARCH AND ENGINEERING COMPANY (2)
5,072,380 Automatic vehicle recognition and customer billing system	139	1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer	135	1993
FINANCIAL ENGINEERING ASSOCIATES, INC. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading	219	1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination	92	1998
FIRST USA (2)
D493195 Transaction card	37	2000
D481068 Translucent transaction card	50	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	172	1998
6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium	157	1999
GLOBAL SECURITY TECHNOLOGIES, INC. (2)
6,655,598 Methods of creating a tamper resistant informational article	26	2000
6,715,797 Methods of creating a tamper resistant informational article	44	2002
HEWLETT-PACKARD COMPANY (2)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing	256	1990
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument	450	1996
IBBOTSON ASSOCIATES, INC. (2)
7,216,099 Automatically allocating and rebalancing discretionary portfolios	19	2002
7,120,601 Optimal asset allocation during retirement in the presence of fixed and variable immediate life annuities (payout annuities)	38	2002
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems	93	2002
2004/0243,498 Interest bearing gift card mechanisms	68	2004
IGT (2)
6,377,669 Method and apparatus for awarding and redeeming prepaid telephone time	60	1998
6,558,255 Method and apparatus for expiration of prepaid slot machine plays	59	2001
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card	161	1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data	199	1997
INTELLECT AUSTRALIA PTY LTD. (2)
6,091,817 Host and user transaction system	110	1997
6,095,412 Host and user transaction system	119	1997
INTELLICARD INTERNATIONAL, INC. (2)
4,614,861 Unitary, self-contained card verification and validation system and method	492	1984
4,707,594 Unitary, self-contained consumer transaction card	63	1985
INTERMEC IP CORP. (2)
5,557,092 Apparatus and method for 16-bit and numeric data collection using bar code symbologies	30	1994
6,529,880 Automatic payment system for a plurality of remote merchants	160	1999
JET LITHOCOLOR, INC. (2)
6,491,782 Method of producing foil laminate with double-sided printing	33	2000
6,924,026 Foil laminate credit card and method of producing foil laminate credit card with double-sided printing	17	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	186	1997
6,557,766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process	62	2000
LEVEL Z, L.L.C. (2)
2002/0091,649 System and method providing stored value payment in multiple level enterprise	24	2001
2002/0165,820 Prepaid electronic cash system with pin vending machines	67	2001
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers	83	1994
6,295,344 Telephone travel card system under the control of its customers	32	1998
MONEYFAX, INC. (2)
4,454,414 Funds transfer system using optically coupled, portable modules	393	1982
5,122,950 Method of and system for electronic funds transfer via facsimile machines	122	1989
MOORE NORTH AMERICA, INC. (2)
5,760,381 Prepaid card	186	1996
2002/0046,089 Targeted advertising brochure and method for its use	56	2000
NANJI, ANVAR (2)
5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower	240	1992
5,797,133 Method for automatically determining the approval status of a potential borrower	242	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	61	1999
2003/0078,815 Method for generating a study of a benefit plan for international employees of an outsourced client	24	2002
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system	236	1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card	224	1996
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,948,174 Financial data processing system	223	1989
5,121,945 Financial data processing system	226	1990
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions	168	1996
6,295,522 Stored-value card value acquisition method and apparatus	151	1997
PRICELINE.COM INCORPORATED (2)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers	1305	1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets	392	1997
SEIKO EPSON CORPORATION (2)
6,961,710 Method for billing for advertisements printed on check-out receipts	32	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	30	2003
SMART CARD, LLC (2)
5,530,232 Multi-application data card	399	1993
5,578,808 Data card that can be used for transactions involving separate card issuers	406	1995
SONY CORPORATION (2)
5,845,260 System and method for parent-controlled charging for on-line services	183	1996
6,942,156 Noncontact IC card	40	2001
SWYCHCO SUPPORT SERVICES PTY. LTD. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts	274	1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts	182	1997
TAMURA ELECTRIC WORKS, LTD. (2)
5,546,446 Public telephone system using a prepaid card to enable communication	44	1994
5,563,934 Pay phone call control apparatus for allowing calls using pre-paid cards	42	1995
TELETOUCH COMMUNICATIONS, INC. (2)
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts	31	2005
7,252,223 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	246	1997
2004/0093,303 Third party debit card	79	2003
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management	76	2001
2002/0111,916 Payment management	50	2001
U.S. PHILIPS CORPORATION (2)
4,380,699 Portable, identifying element constructed as a lamination of sheets	60	1981
4,465,206 Device for the simultaneous mounting of components on a carrier	62	1983
VERIZON SERVICES CORP. (2)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors	181	1995
5,621,787 Prepaid cash card	229	1995
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device	65	2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems	39	2004
YT ACQUISITION CORPORATION (2)
5,805,719 Tokenless identification of individuals	315	1997
6,192,142 Tokenless biometric electronic stored value transactions	70	1999
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card	65	1998
A.W. FABER-CASTEL U.S.A. (1)
6,484,428 Double-sided magnet with graphical image on each side	38	2000
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements	51	2005
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system	565	1996
ADHESIVES TECHNOLOGY CORPORATION 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack	43	1991
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program	463	1995
ALFI S.R.L. (1)
6,045,050 Prepaid or stored-value card with means for preventing useful fraudulent alteration	36	1998
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method	132	2001
ALLCARD FINANCIAL SERVICES, INC. (1)
2005/0049,950 Method for depositing funds to a stored value card	48	2004
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance	231	1995
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance	158	1994
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions	66	2004
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards	300	1981
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system	81	2001
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system	129	1992
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same	233	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	21	2002
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan	119	1998
ASSA ABLOY AB (1)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol	66	1995
ASSET TRUST, INC. (1)
2008/0027,841 System for integrating enterprise performance management	49	2002
ASSURANT SOLUTIONS (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer	32	2004
ASSURED EQUITIES, INC. (1)
6,064,985 Automated portfolio management system with internet datafeed	207	1998
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer	114	1985
AT&T BELL LABORATORIES (1)
5,311,594 Fraud protection for card transactions	260	1993
AT&T INTELLECTUAL PROPERTY II, L.P. (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet	319	1997
ATTITUDE MEASUREMENT CORPORATION (1)
5,489,123 Packaging label including pre-approved incentive card	60	1995
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card	241	1994
BANK OF MONTREAL (1)
2003/0167,218 Modular financial service instrument	21	2002
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system	138	1998
BLANE, CANADA LTD. (1)
6,757,660 Method for analyzing information to provide an objective assessment of a predefined subject	37	1999
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions	357	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	130	1999
BRIDGEPOINT SYSTEMS, INC. (1)
5,936,221 Smart card system and method for transferring value	121	1997
BROADVISION (1)
5,710,887 Computer system and method for electronic commerce	1217	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	96	1997
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities	51	2002
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers	93	1988
BULL S.A. (1)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment	78	1991
BUTCHER, GEORGE H., III (1)
7,266,524 Method, software program, and system for isolating risk in a financial transaction	12	2000
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal	167	1996
CANON KABUSHIKI KAISHA (1)
D305887 Optically stored data card	83	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	56	2000
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities	324	1990
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value	32	2005
CARLSON MARKETING WORLDWIDE, INC. (1)
6,138,911 In-store points redemption system and method	152	1999
CASH TECHNOLOGIES, INC. (1)
6,308,887 Multi-transactional architecture	269	1999
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons	355	1995
CHARITABLE PROPERTY DONATIONS (1)
2007/0203,825 SYSTEMS AND METHODS FOR ENABLING CHARITABLE CONTRIBUTIONS FROM PROPERTY	19	2004
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment	91	1999
CITIZENS FINANCIAL GROUP, INC. (1)
7,359,880 System and method for consumer control over card-based transactions	17	2005
CITRIX SYSTEMS, INC. (1)
6,886,046 Methods and apparatus for extendible information aggregation and presentation	49	2001
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option	131	1995
COINSTAR, INC. (1)
6,349,972 Coin-discriminator voucher anti-counterfeiting method and apparatus	60	1999
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities	181	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	68	1994
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program	93	2001
COMPUTERIZED DATA SSYTEMS FOR MFG., INC. (1)
5,049,728 IC card system with removable IC modules	197	1990
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device	420	1995
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models	34	2004
CORPRA RESEARCH, INC. (1)
4,575,621 Portable electronic transaction device and system therefor	344	1984
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons	261	1991
CRISIS TECHNOLOGIES, INC. (1)
2004/0103,431 Method and system for emergency planning and management of a facility	57	2002
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system	487	1994
CYARCH, LLC (1)
2003/0167,220 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts	24	2001
CYBERSETTLE.COM, INC. (1)
6,954,741 Computerized dispute resolution system and method	44	1999
DAI NIPPON INSATSU KABUSHIKI KAISHA (1)
4,856,857 Transparent reflection-type	235	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	98	1996
DATASCAPE, INC. (1)
6,366,967 OPEN NETWORK SYSTEM FOR I/O OPERATION INCLUDING A COMMON GATEWAY INTERFACE AND AN EXTENDED OPEN NETWORK PROTOCOL WITH NON-STANDARD I/O DEVICES UTILIZING DEVICE AND IDENTIFIER FOR OPERATION TO BE PERFORMED WITH DEVICE	57	1999
DATATREASURY CORPORATION (1)
5,787,403 Bank-centric service platform, network and system	246	1995
DATAWAVE SYSTEMS, INC. (1)
6,659,259 Multiple denomination currency receiving and prepaid card dispensing method and apparatus	43	2001
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers	388	1993
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6,105,009 Automated teller machine dispenser of debit cards	92	1998
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals	143	2000
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment	111	1999
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus	274	1989
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag	78	2001
DITTLER BROTHERS INCORPORATED (1)
4,817,949 Automated teller machine transaction receipts with integral promotional game	42	1987
DOUBLECREDIT.COM, INC. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability	197	2000
DS-IQ, INC. (1)
6,330,543 Method and system for distributing and reconciling electronic promotions	157	1998
E-SCORING, INC. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants	105	2000
E-VANTAGE INTERNATIONAL, INC. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market	167	2001
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network	82	2000
EASTMAN KODAK COMPANY (1)
7,063,924 Security device with patterned metallic reflection	27	2002
ELECTRONIC CONSUMER CONCEPTS, L.L.C. (1)
5,845,259 Electronic coupon dispensing system	319	1996
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations	57	1989
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method	1104	1995
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll	29	2004
EXECUTING THE NUMBERS, INC. (1)
6,119,097 System and method for quantification of human performance factors	88	1997
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences	454	1996
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities	239	1998
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process	94	2002
FIRST MARKETRUST INTL. (1)
5,537,314 Referral recognition system for an incentive award program	582	1995
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments	810	1995
FLEX JAPAN INC. (1)
4,789,928 Auction information transmission processing	576	1987
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics	142	1984
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system	60	2000
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections	109	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	170	1997
FREDDIE MAC (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments	43	2004
FUTURELOGIC, INC. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment	35	2005
G & D CARDTECH, INC. (1)
6,644,551 Card	69	2001
GALAXIA COMMUNICATIONS INC. (1)
6,793,135 Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards	49	2001
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions	331	1997
GEMALTO SA (1)
5,901,303 Smart cards, systems using smart cards and methods of operating said cards in systems	136	1996
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments	51	2005
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates	136	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	42	1990
GOLDENSOURCE CORPORATION (1)
6,513,019 Financial consolidation and communication platform	216	1999
GOLDMAN SACHS & CO. (1)
2004/0024,693 Proprietary risk management clearinghouse	51	2003
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant	129	2003
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system	42	2004
GROUPON, INC. (1)
6,327,573 Multiple party reward system utilizing single account	186	1998
GTECH PRINTING CORPORATION (1)
6,134,309 Pre-paid phone card system with promotional link	83	1997
H-RENEE, INCORPORATED (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications	1001	1989
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure	281	1990
HE, KAI-CHIEN (1)
6,581,845 Chip-base plastic currency with cash amount loading function	18	2001
HITACHI CAPITAL CORPORATION (1)
2002/0029,191 Settlement system with IC card, IC card, method of settlement	19	2001
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader	107	1997
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems	333	1996
IN-STORE BROADCASTING NETWORK, LLC (1)
2005/0234,771 Method and system for providing intelligent in-store couponing	45	2005
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head	197	1993
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe	157	2003
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons	336	1995
INTELLIGENT IDEATION, INC. (1)
6,463,039 Method and apparatus for full duplex sideband communication	103	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	191	1995
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card	63	2000
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions	205	1987
INTERNET PROMISE GROUP, LLC (1)
7,254,560 Method and apparatus for an integrated identity security and payment system	16	2001
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system	222	1995
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods	119	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	104	1995
IVI CHECKMATE CORP. (1)
2002/0165,829 Financial transaction processing system	6	2001
IZER INTERNATIONAL, A CORP. OF CA (1)
4,643,452 Business card attaching strip	88	1985
J.J. & ASSOCIATES INC. (1)
2002/0082,990 Method of invoice presentation and payment	72	2000
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system	38	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	228	1990
JEFFERSON CAPITAL SYSTEMS, LLC (1)
2005/0102,228 System and method for providing a credit account for debt recovery	31	2003
JP MORGAN CHASE (1)
2005/0027,649 Event typer	73	2004
JUERGEN DETHLOFF (1)
4,837,422 Multi-user card system	388	1987
K. B., INC. (1)
2009/0250,522 Method and Material for Manufacturing Electrically Conductive Patterns, Including Radio Frequency Identification (RFID) Antennas	16	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	125	1997
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility	119	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	61	1999
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing	40	2002
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags	95	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	21	2001
KYODO PRINTING CO., LTD. (1)
2009/0242,645 NON-CONTACT TYPE IC CARD	23	2007
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system	186	1985
LDC DIRECT LTD. (1)
6,169,975 Point-of-distribution pre-paid card vending system	134	1997
LEAD CORE FUND, L.L.C. (1)
7,216,091 Stored value transaction system including an integrated database server	72	1999
LENDING TREE. THE (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet	195	1998
LEONHARD KURZ GMBH & CO. (1)
5,383,687 Value document and embossing foil for the production thereof	94	1993
LEVEL A, L.L.C. (1)
6,834,796 Anonymous redemption and stored value system and method	18	2002
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method	76	2001
LICENSYS PTY LTD (1)
D538349 Number plate	38	2005
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment	129	1985
LIVINGSTON INTERNATIONAL TECHNOLOGY SERVICES CORPORATION (1)
2009/0150,370 System and Method For Restricted Party Screening and Resolution Services	18	2007
LOBAR CODE INC. (1)
5,665,953 Self-contained personal data collector for redeeming coupons	149	1996
LOSIPIAL WIRELESS, LLC (1)
6,182,894 Systems and methods for authorizing a transaction card	171	1998
LUCKY TAB HOLDINGS, LLC (1)
5,928,082 Voucher and game ticket combination and apparatus and method used therewith	168	1997
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers	82	1991
M & R INDUSTRIES, INC. (1)
4,839,504 IC card system compatible with bank account system	150	1987
M.A. RIVALTO, INC. (1)
5,482,139 Automated drive-up vending facility	203	1995
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents	122	1996
MARFLEX INTERNATIONAL INC. (1)
5,503,891 Flexible magnet attractant display mat	57	1994
MARITZ HOLDINGS INC. (1)
5,956,695 Filter processor and method for implementing a program	191	1997
MARTIZ, INC. (1)
5,689,100 Debit card system and method for implementing incentive award program	314	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	203	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	216	1998
MERIDIAN ENTERPRISES, INC. (1)
5,025,372 System and method for administration of incentive award program through use of credit	484	1989
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages	31	2005
METLIFE LIFE INSURANCE COMPANY (1)
5,806,047 System for combined pool portfolio	113	1995
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users	40	2001
MICROBILT CORPORATION (1)
5,466,920 Real time decoding for card transaction terminal	36	1991
MIDNIGHT BLUE REMOTE ACCESS, LLC (1)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information	246	1999
MINERVA, L.P. (1)
5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy	219	1995
MITSUBISHI ELECTRIC SEMICONDUCTOR SOFTWARE CO., LTD. (1)
5,736,728 Non contact IC card and a non contact IC card system	104	1995
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system	115	1996
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant	124	1999
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system	235	1996
MONEYABILITY TECHNOLOGY, LLC (1)
2006/0085,334 Dynamic financial liability management	66	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	171	1989
MORGAN STANLEY DEAN WITTER (1)
6,092,056 Data processing system and method for financial debt instruments	270	1999
MOTOROLA, INC. (1)
6,049,463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same	124	1997
MWM CONSULTING GROUP (1)
2004/0088,236 Method and apparatus for investment consulting, benefit projection and investment analysis	67	2002
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS	97	1999
NATIONAL BANCARD CORPORATION (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection	53	1994
NATIONAL BRITANNIA GROUP LTD. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management	48	2001
NATIONAL BUSINESS SYSTEMS, INC. (1)
4,866,545 Credit card embossing and recording system	26	1988
NEOPOST TECHNOLOGIES (1)
6,227,445 Secure smart card access to pre-paid metering funds in meter	25	1998
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services	148	1999
NEW VIEW TECHNOLOGIES, INC. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system	116	1997
NIPPON CONLUX CO., LTD. (1)
5,409,092 Vending system capable of renewing record of a prepaid card	125	1991
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation	64	1997
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing	22	2004
OKEMOS AGENCY, INC. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions	100	1996
ONENAME CORPORATION (1)
6,757,710 Object-based on-line transaction infrastructure	164	2002
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method	170	1997
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system	175	1998
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion	188	1998
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like	404	1992
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique	49	2001
PAPER SYSTEMS, INC. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper	25	2005
PASS TECHNOLOGIES, INC. (1)
4,859,837 Portable data carrier incorporating manually presettable processing modes	119	1988
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification	213	1989
PELIKON LIMITED (1)
6,360,954 Portable cards	91	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	153	1994
PERFECT PLASTIC PRINTING CORPORATION (1)
4,938,830 Plastic card and method of fabrication thereof	65	1988
PINPOINT INCORPORATED (1)
2001/0014,868 SYSTEM FOR THE AUTOMATIC DETERMINATION OF CUSTOMIZED PRICES AND PROMOTIONS	367	1998
PITNEY BOWES INC. (1)
7,461,028 Method and system for authorizing use of a transaction card	20	2001
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution	125	2000
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions	31	2004
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit	269	1998
POINTMEDIA CORPORATION (1)
2002/0145,039 Apparatus and method for selling lottery tickets at fuel dispensers	39	2001
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics	127	2001
PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration	27	2001
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2001/0034,684 System and methods for designing group retirement plans	17	2001
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system	62	2003
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same	69	2006
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards	138	1998
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making	99	1994
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system	236	1996
PROPAY USA, INC. (1)
2009/0240,620 SECURE PAYMENT SYSTEM	14	2008
PROPAY, INC. (1)
2010/0030,697 END-TO-END SECURE PAYMENT PROCESSES	13	2008
PROTECH VIDEO SECURITY, INC. (1)
6,119,932 Identification verification apparatus and method	102	1997
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system	266	1996
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions	118	1996
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules	74	2001
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same	192	1987
RADISSON HOTELS INTERNATIONAL, INC. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations	261	1995
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications	82	2000
REALSOURCE, INC. (1)
5,732,136 Merchant specific debit card verification system	123	1997
RECLAIM TECHNOLOGY AND SERVICES LIMITED (1)
6,049,773 Automated method for identification of reinsurance claims	107	1997
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions	137	2002
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit	99	1995
RETAIL ROYALTY COMPANY (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes	97	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	88	1999
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program	45	2002
RICOH COMPANY, LTD. (1)
5,920,844 Information display method	85	1996
ROCKSTAR BIDCO, LP (1)
6,021,189 System for controlling usage of phone debit cards	39	1997
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module	69	1999
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card	93	1990
S/B EXCHANGE ENTERPRISES, INC. (1)
2003/0004,828 Prepaid card authorization and security system	98	2002
SAFECARD ID SYSTEM, INC. (1)
6,164,548 Methods of creating a tamper resistant informational article	82	1998
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system	88	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	396	1996
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system	164	1992
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card	107	1988
SIGMA COMPUTER RESEARCH ASSOCIATES INC. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing	336	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	152	1993
SMART TV LLC (1)
5,907,350 Television signal activated interactive smart card system	116	1997
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6,213,392 Card interface for interfacing a host application program to data storage cards	71	1998
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4,868,376 Intelligent portable interactive personal data system	394	1987
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SOHWA LAMINATE PRINTING CO., LTD. (1)
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2005/0077,350 Dual card	52	2004
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2003/0101,119 Verification of net asset values	81	2001
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6,025,283 Charge card	97	1998
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THE UNITED STATES OF AMERICA AS REPRESENTED BY THE SECRETARY OF THE NAVY (1)
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6,999,569 System and method for using a prepaid card	49	2002
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5,521,363 System and method for tracking memory card transactions	151	1994
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5,440,108 System and method for dispensing and revalung cash cards	179	1993
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2002/0046,255 System and method for providing prepaid services via an internet protocol network system	74	2001
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6,345,261 Customer loyalty investment program	142	1999
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5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof	90	1998
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5,352,877 Non-contact transaction system with token presence detection	42	1992
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5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase	319	1995
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5,905,246 Method and apparatus for coupon management and redemption	268	1996
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5,835,061 Method and apparatus for geographic-based communications service	228	1995
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller	132	1997
WEEKS, STEPHEN M. (1)
7,346,567 Conditional fee ownership home financing system and business method	29	2002
WEISS JENSEN ELLIS & HOWARD (1)
6,144,848 Handheld remote computer control and methods for secured interactive real-time telecommunications	464	1996
WELCOME REAL-TIME (1)
6,419,161 Apparatus and method for processing coded information stored on an integrated circuit card	33	2001
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers	152	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	95	2002
WINBOND ELECTRONICS CORP. (1)
5,877,975 Insertable/removable digital memory apparatus and methods of operation thereof	102	1996
WINKLEVOSS TECHNOLOGIES, L.L.C. (1)
2004/0117,202 Method and system for determining benefits	29	2003
WORLDCOM, INC. (1)
6,507,644 Pre-paid telephone calling card linked to a stored value account	65	1999
WYNN; SOL H. (1)
5,859,419 Programmable multiple company credit card system	337	1995
XEROX CORPORATION (1)
6,073,160 Document communications controller	111	1996
XTREME TRAFFIC BUILDERS, INC. (1)
6,557,750 Promotional mailing device	43	2002
YALE UNIVERSITY (1)
2003/0110,111 Home equity insurance financial product	45	2002
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system	153	1996
YORK EGGLESTON (1)
6,061,660 System and method for incentive programs and award fulfillment	428	1998
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2002/0174,018 Method, system, and computer readable medium for facilitating a transaction between a customer, a merchant and an associate	46	2001
ZIH CORP. (1)
5,680,459 Passive transponder	99	1995
ZYNGA INC. (1)
6,006,205 Credit card billing method and system	103	1997
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (118)
D259048 Coin display page	27	1978
4,338,587 Toll collection system	89	1980
4,582,985 Data carrier	332	1982
4,669,730 Automated sweepstakes-type game	319	1984
4,700,055 Multiple credit card system	263	1985
4,755,661 Connection of electronic components in a card	27	1986
5,025,139 Redeemable coupon disbursement control and reporting system	108	1987
4,941,090 Centralized consumer cash value accumulation system for multiple merchants	253	1989
5,192,947 Credit card pager apparatus	304	1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants	322	1990
5,206,803 System for enhanced management of pension-backed credit	227	1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants	407	1991
5,297,026 System for promoting account activity	247	1992
5,359,183 Payment card with display	135	1992
5,326,959 Automated customer initiated entry remittance processing system	322	1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants	377	1992
5,413,341 Equipment for, and methods of playing, a prize drawing game of chance	39	1993
5,380,046 Secured personal information packet	53	1993
5,774,882 Credit approval system	168	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	137	1993
5,457,305 Distributed on-line money access card transaction processing system	209	1994
5,585,787 Programmable credit card	322	1994
5,477,040 Structure for a method of facilitating charge transactions	199	1994
5,748,737 Multimedia electronic wallet with generic card	294	1994
5,745,706 Computer system and related equipment for spending and investment account management	182	1994
5,689,650 Community reinvestment act network	258	1995
5,677,521 Personal identification and credit information system and method of performing transaction	45	1995
5,787,404 Credit-card based retirement fund system and method	167	1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants	200	1996
5,907,142 Fraud resistant personally activated transaction card	143	1996
5,955,961 Programmable transaction card	285	1996
5,953,710 Children's credit or debit card system	452	1996
5,903,879 Method of managing a loan for funding a pension	66	1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram	136	1997
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof	130	1997
6,142,640 Credit card pocket mirror and miniature billboard	26	1997
5,984,180 Method and system for gift credit card	142	1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system	188	1997
H1794 Secure money transfer techniques using hierarchical arrangement of smart cards	57	1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account	140	1997
6,078,891 Method and system for collecting and processing marketing data	200	1997
6,085,976 Travel system and methods utilizing multi-application passenger cards	265	1998
6,324,526 System and method for performing secure credit card purchases	105	1999
2002/0059,139 SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION	75	1999
6,422,462 Apparatus and methods for improved credit cards and credit card transactions	201	1999
6,145,741 Universal pre-paid gasoline and travel card	104	1999
6,385,591 Method and system for electronic organization of coupons	176	1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle	215	1999
2002/0013,751 AUTOMATED SYSTEM FOR MANAGING A NON-QUALIFIED DEFERRED COMPENSATION PLAN	29	1999
6,327,575 Point of sale terminal for the visually impaired	86	2000
6,609,658 Travel system and methods utilizing multi-application traveler cards	100	2000
6,868,426 Virtual document organizer system and method	98	2000
6,409,593 Drawing for winners over the internet	31	2000
6,561,657 Credit card pocket mirror and miniature billboard	60	2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan	71	2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM		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	42	2001
2001/0001,856 Prepaid cash equivalent card and system	74	2001
2002/0099,667 Mehtod and apparatus for making purchases over the internet using pre-paid cards	34	2001
2002/0103,852 System for optimizing investment performance	39	2001
2001/0034,663 Electronic contract broker and contract market maker infrastructure	70	2001
2002/0069,122 Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet	58	2001
2002/0116,330 Wireless communicating credit card	87	2001
2001/0038,033 Unified communications and commerce systems and methods, and device therefore	67	2001
2002/0143,703 Internet cash card	65	2001
2002/0035,527 System for relating investment account information to an investment objective	71	2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched	130	2001
6,481,125 Combination postcard and peel-off sticker	42	2001
2002/0032,609 Calendar transaction manager agent, systems and methods	56	2001
2002/0019,793 Method and system for implementing a combined investment	49	2001
6,647,374 System and method of assessing and rating vendor risk and pricing of technology delivery insurance	83	2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards	94	2001
D468789 Wheeled body board	30	2001
6,607,127 Magnetic stripe bridge	134	2001
2002/0065,720 Online promotion redemption control	33	2001
2002/0073,030 Configuration and method for increasing the prepaid amount associated with an electronic prepaid account	16	2001
7,082,416 Method of using prepaid cash card for making purchases on the world wide web	17	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	100	2002
2002/0120,627 Virtual document organizer system and method	71	2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations	54	2002
2002/0174,016 Multiple accounts and purposes card method and system	137	2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants	69	2002
D476681 Bank check	40	2002
6,805,289 Prepaid card payment system and method for electronic commerce	51	2002
D476683 Combined bookmark and photograph holder	25	2002
6,942,569 Drawing for winners over the internet using receipts and zipcodes	27	2002
2002/0198,848 Transaction verification system and method	23	2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means	72	2002
6,727,802 Anti-tear protection for smart card transactions	32	2002
2003/0182,246 Applications of fractal and/or chaotic techniques	74	2003
D485573 Combined business card with bar code, laser punched holes and radio frequency IC	49	2003
2003/0195,842 Method and device for making secure transactions	85	2003
2003/0195,808 Managing retailer product disbursement	71	2003
D495736 Postcard form for maintaining privacy of information contained thereon	40	2003
2004/0024,672 Customer activated multi-value (CAM) card	86	2003
2004/0128,195 System and method for processing transactions	24	2003
6,886,741 Electronic transaction system	30	2004
2004/0149,544 Scraping and cleaning device for conveyor belts	45	2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium	102	2004
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means	62	2004
2005/0086,160 Method for implementing anonymous credit card transactions using a fictitious account name	109	2004
7,051,929 Secure credit card having daily changed security number	87	2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means	115	2004
2005/0167,488 Gaming system using an automated teller machine	27	2005
2006/0131,869 Methods for use in alerting others that animals are in need of care	29	2005
D551705 Magnetic, sandwich-type bookmark	47	2006
2008/0301,041 Method and system for processing financial transactions using multiple financial accounts	21	2007
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM		2009

Patent Citation Ranking

Forward Cites

Patent Info	# Cites	Year
EBAY INC. (4)
8,364,566 Method for managing group finances via an electronic network	0	2008
8,249,986 Methods and systems of controlling activities of financial accounts	0	2008
8,249,987 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions	1	2010
8,392,328 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions	0	2012
GOOGLE INC. (3)
8,392,261 Local shopping and inventory	0	2011
8,335,722 Local shopping and inventory	0	2011
8,401,904 Real-time payment authorization	0	2012
FRANCE TELECOM (1)
8,422,652 Device and method for managing communication credits associated to use of services by a terminal	0	2006
MIICARD LIMITED (1)
8,332,322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts	0	2010

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

US Family Size	International Coverage
Patent Longevity	Forward Citations