US Patent No: 7,890,422

Number of patents in Portfolio can not be more than 2000

Multiple account advanced payment card and method of routing card transactions

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Abstract

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

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1975

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fellner, Debra C Wilmington, US 11 260
Fox, Steven Newark, US 15 174
Hirka, Jeffrey L Memphis, US 19 351
Knackstedt, Lee Bear, US 17 209

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (104)
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GEMALTO SA (1)
5,901,303 Smart cards, systems using smart cards and methods of operating said cards in systems 171 1996
 
NCR CORPORATION (6)
4,634,845 Portable personal terminal for use in a system for handling transactions 300 1984
4,689,478 System for handling transactions including a portable personal terminal 290 1984
5,619,558 ATM segment of one marketing method 230 1995
5,770,843 Access card for multiple accounts 357 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 540 1998
6,456,981 Method and apparatus for displaying a customized advertising message with a retail terminal 149 2000
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 173 1997
 
Assured Equities, Inc. (1)
6,064,985 Automated portfolio management system with internet datafeed 286 1998
 
Cubic Corporation (2)
6,655,587 Customer administered autoload 52 2002
2006/0261,927 Smart card receiver and system for pulsed RF fields 36 2006
 
TOBIN FAMILY EDUCATION AND HEALTH FOUNDATION, THE (1)
6,141,666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 320 1997
 
HE, KAI-CHIEN (1)
6,581,845 Chip-base plastic currency with cash amount loading function 24 2001
 
Societe Anonyme dite: Compagnie Generale d'Automatise CGA HBS (1)
4,977,501 Fare collection system using microwaves 83 1989
 
PRIVASYS, INC. (8)
6,592,044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 300 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 252 2000
7,195,154 Method for generating customer secure card numbers 169 2001
2003/0061,168 Method for generating customer secure card numbers 31 2001
2003/0061,168 Method for generating customer secure card numbers 31 2001
2003/0061,168 Method for generating customer secure card numbers 31 2001
2003/0061,168 Method for generating customer secure card numbers 31 2001
2007/0215,688 Method for Generating Customer Secure Card Numbers 33 2007
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 361 1995
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 104 2004
 
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 343 1990
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 758 1996
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 233 1998
 
AMAZON.COM, INC. (2)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 614 1995
5,960,411 Method and system for placing a purchase order via a communications network 1493 1997
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 277 1997
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,948,174 Financial data processing system 304 1989
5,121,945 Financial data processing system 284 1990
 
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system 184 1997
6,278,996 System and method for message process and response 116 1998
6,411,947 Automatic message interpretation and routing system 144 1998
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 349 1999
 
K. B., INC. (1)
2009/0250,522 Method and Material for Manufacturing Electrically Conductive Patterns, Including Radio Frequency Identification (RFID) Antennas 24 2006
 
BANK OF AMERICA CORPORATION (6)
5,826,243 Integrated system for controlling master account and nested subaccount(s) 328 1994
6,016,482 Enhanced collateralized funding processor 332 1996
2003/0040,959 Method and apparatus for conducting transactions on an automated teller machine 118 2001
2003/0229,525 System and methods for integrated compliance monitoring 76 2002
2005/0289,044 METHOD AND SYSTEM FOR DEBT PROTECTION OR CANCELLATION 48 2004
2009/0048,972 System and Method for an Emergency Reserve During a Covered Event Using Actuarial Data 30 2007
 
YT ACQUISITION CORPORATION (2)
5,805,719 Tokenless identification of individuals 447 1997
6,192,142 Tokenless biometric electronic stored value transactions 110 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 285 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 205 1999
 
BANK OF MONTREAL (1)
2003/0167,218 Modular financial service instrument 32 2002
 
NYTELL SOFTWARE LLC (1)
6,886,741 Electronic transaction system 47 2004
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 617 1992
 
TRINTECH LIMITED (1)
2003/0135,453 Transaction dispute management system and method 31 2002
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 381 1997
 
PROPAY, INC. (1)
2010/0030,697 END-TO-END SECURE PAYMENT PROCESSES 28 2008
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (5)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 248 1998
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 90 2002
2010/0030,675 Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method 29 2002
7,072,864 Customer activated multi-value (CAM) card 141 2003
7,051,925 System and method for funding a collective account by use of an electronic tag 108 2004
 
NANJI, ANVAR (2)
5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower 338 1992
5,797,133 Method for automatically determining the approval status of a potential borrower 350 1997
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 206 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 282 1994
 
TSSI Systems Limited (1)
6,179,211 Method of identifying a data carrier 22 1998
 
PELIKON LIMITED (1)
6,360,954 Portable cards 127 2000
 
Goeken Group Corp. (1)
5,617,474 Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot 66 1990
 
THE WESTERN UNION COMPANY (15)
5,326,960 Currency transfer system and method 226 1992
5,350,906 Currency transfer system and method using fixed limit cards 511 1992
5,650,604 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds 293 1995
2003/0055,780 Method and system for transferring stored value 107 2001
7,054,842 Stored value cards and methods for their issuance 45 2001
2002/0152,168 Automated transfer with stored value fund 102 2001
2002/0161,702 Money order debit from stored value fund 76 2001
7,092,916 Electronic identifier payment system and methods 83 2001
6,814,282 Systems and methods of introducing and receiving information across a computer network 133 2002
7,107,249 Electronic identifier payment systems and methods 102 2002
2003/0222,136 Stored value education account 88 2002
2003/0130,940 Value transfer systems and methods 110 2002
2003/0130,948 Automated transfer with stored value 123 2003
2003/0135,459 Stored value payouts 124 2003
7,315,843 Electronic identifier payment systems and methods 56 2006
 
PITNEY BOWES INC. (1)
7,461,028 Method and system for authorizing use of a transaction card 35 2001
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 257 1991
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 136 1999
 
GOOGLE TECHNOLOGY HOLDINGS LLC (3)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 277 1996
6,105,006 Transaction authentication for 1-way wireless financial messaging units 116 1997
6,265,977 Radio frequency identification tag apparatus and related method 373 2000
 
ASSA ABLOY AB (6)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol 100 1995
5,737,421 System for controlling access to a function having clock synchronization 130 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 209 1996
5,887,065 System and method for user authentication having clock synchronization 193 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 175 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 119 2000
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 403 2000
 
True Resources, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 63 2005
 
KABUSHIKI KAISHA TOSHIBA (6)
4,931,623 Portable storage medium 52 1988
5,055,662 Portable information record medium having liquid crystal and photoconductive layers 183 1989
5,180,901 IC card with individual authentication function 247 1991
5,710,458 Card like semiconductor device 171 1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications 148 1997
D427167 Adapter for an IC card 44 1999
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 114 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (14)
5,717,925 Information catalog system with object-dependent functionality 311 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 71 1996
5,796,827 System and method for near-field human-body coupling for encrypted communication with identification cards 236 1996
6,029,144 Compliance-to-policy detection method and system 216 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 45 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 269 1998
6,675,149 Information technology project assessment method, system and program product 81 1999
6,567,786 System and method for increasing the effectiveness of customer contact strategies 145 1999
6,671,673 Method for integrated supply chain and financial management 206 2000
2003/0154,125 Pesonalisation of promotional offers 91 2001
6,641,050 Secure credit card 195 2001
2006/0106,696 Account transfer using a single financial account 51 2004
2006/0289,636 Food card to restrict purchases 24 2005
7,306,163 Smart card and method for its production 35 2005
 
AT&T IPM CORP. (5)
5,479,494 Virtual calling card system 281 1992
5,450,491 Authenticator card and system 129 1993
5,450,477 Monitoring of charges debited to an account having an assigned limit 161 1993
5,541,583 Arrangement for interrogating portable data communication devices 153 1995
5,708,422 Transaction authorization and alert system 496 1995
 
CHARITABLE PROPERTY DONATIONS (1)
2007/0203,825 SYSTEMS AND METHODS FOR ENABLING CHARITABLE CONTRIBUTIONS FROM PROPERTY 27 2004
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1037 1995
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 219 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 179 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 189 1998
 
PreViser Corporation (1)
6,484,144 Method and system for healthcare treatment planning and assessment 153 1999
 
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management 139 2001
2002/0111,916 Payment management 95 2001
 
ASSET TRUST, INC. (1)
2008/0027,841 System for integrating enterprise performance management 80 2002
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 484 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 309 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 259 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 290 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 541 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 636 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 306 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 655 1997
 
ATTITUDE MEASUREMENT CORPORATION (1)
5,489,123 Packaging label including pre-approved incentive card 71 1995
 
COIN, INC. (4)
2006/0249,574 Automated payment card fraud detection and location 72 2006
D562888 Payment card with a full pan display 31 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 99 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 73 2006
 
BLOCK FINANCIAL LLC (2)
6,014,645 Real-time financial card application system 460 1996
7,310,617 Real-time financial card offer and application system 89 1999
 
GENWORTH HOLDINGS, INC. (3)
6,912,502 System and method for compliance management 103 1999
7,398,241 Method and system for portable retirement investment 79 2001
2002/0194,098 System and method for guaranteeing minimum periodic retirement income payments using an adjustment account 85 2002
 
Creative Games International, Inc. (1)
6,134,309 Pre-paid phone card system with promotional link 110 1997
 
MIDNIGHT BLUE REMOTE ACCESS LLC (1)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information 383 1999
 
Brady Worldwide, Inc. (5)
D466929 Security pass 65 2002
D467271 Security pass 63 2002
D467272 Security pass 61 2002
D474235 Security pass 83 2002
D477359 Security pass 74 2002
 
Zynga Inc. (1)
6,006,205 Credit card billing method and system 144 1997
 
Phoenix Licensing, LLC (6)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 484 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 335 1997
6,999,938 Automated reply generation direct marketing system 90 1999
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 163 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 131 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 125 2003
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 335 1993
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6,105,009 Automated teller machine dispenser of debit cards 134 1998
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2001/0034,684 System and methods for designing group retirement plans 31 2001
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 200 2000
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 596 1986
 
GENERAL ELECTRIC COMPANY (5)
4,845,347 Transaction system 75 1986
5,696,907 System and method for performing risk and credit analysis of financial service applications 319 1995
5,991,743 System and method for proactively monitoring risk exposure 148 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 164 1998
6,675,127 Computerized systems and methods for managing project issues and risks 95 2001
 
VERIZON PATENT AND LICENSING INC. (4)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 237 1995
5,621,787 Prepaid cash card 309 1995
6,507,644 Pre-paid telephone calling card linked to a stored value account 107 1999
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 96 2001
 
Futurelogic, Inc. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment 52 2005
 
GLOBAL SECURITY TECHNOLOGIES, INC. (2)
6,655,598 Methods of creating a tamper resistant informational article 32 2000
6,715,797 Methods of creating a tamper resistant informational article 55 2002
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (6)
5,412,192 Radio frequency activated charge card 262 1993
5,483,445 Automated billing consolidation system and method 430 1993
5,684,291 Refundable prepaid telephone card 153 1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 264 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 113 1995
5,988,509 Refundable prepaid telephone card 162 1997
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 127 2002
2004/0243,498 Interest bearing gift card mechanisms 95 2004
 
GENERAL ELECTRIC CAPITAL CORPORATION, AS AGENT (3)
6,856,973 Methods and systems for assessing creditworthiness of a country 86 1999
6,970,830 Methods and systems for analyzing marketing campaigns 144 1999
7,392,221 Methods and systems for identifying early terminating loan customers 41 2001
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 74 2001
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 330 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 88 2005
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 142 1996
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 496 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 49 2004
 
TELETOUCH COMMUNICATIONS, INC. (2)
7,252,223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 77 2005
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 48 2005
 
MWM CONSULTING GROUP (1)
2004/0088,236 Method and apparatus for investment consulting, benefit projection and investment analysis 91 2002
 
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 235 1997
 
ProPay USA, Inc. (1)
2009/0240,620 SECURE PAYMENT SYSTEM 33 2008
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 53 2005
 
AT&T CORP. (5)
6,192,113 Method and apparatus for phone card billing 59 1995
5,675,607 Method and apparatus for facilitating the making of card calls 120 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 188 1995
6,024,286 Smart card providing a plurality of independently accessible accounts 189 1997
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 115 1998
 
MOORE NORTH AMERICA, INC. (2)
5,760,381 Prepaid card 244 1996
2002/0046,089 Targeted advertising brochure and method for its use 76 2000
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems 72 2002
D490840 Proximity interface for transaction acceptance systems 58 2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems 63 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 56 2003
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 94 2002
 
VERIFONE, INC. (1)
5,440,108 System and method for dispensing and revalung cash cards 231 1993
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 757 1987
 
LENDINGTREE, LLC (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 303 1998
 
GILBARCO INC. (3)
6,078,888 Cryptography security for remote dispenser transactions 252 1997
6,574,603 In-vehicle ordering 188 1998
6,089,284 Preconditioning a fuel dispensing system using a transponder 119 1998
 
KOOKMIN CREDIT CARD CO., LTD. (1)
6,705,518 System and method for providing tourism service using RF IC card, and storage medium for storing tourism service algorithm thereof 29 2001
 
BUTCHER, GEORGE H., III (1)
7,266,524 Method, software program, and system for isolating risk in a financial transaction 17 2000
 
Standard & Poor's Financial Services LLC (1)
2004/0128,217 Method for assessing the economic earnings performance of a business enterprise 20 2002
 
Financial Engineering Associates, Inc. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading 264 1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination 113 1998
 
GOLDMAN SACHS & CO. (1)
2004/0024,693 Proprietary risk management clearinghouse 69 2003
 
CATALINA MARKETING CORPORATION (16)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 486 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 611 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 478 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 579 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 788 1995
5,710,886 Electric couponing method and apparatus 579 1995
6,377,935 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 137 1997
6,424,949 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 210 1997
5,974,399 Method and apparatus for generating purchase incentives based on price differentials 297 1997
6,260,758 Promotional financial transaction machine method 71 1998
6,336,099 Method and system for electronic distribution of product redemption coupons 278 1998
6,055,573 Communicating with a computer based on an updated purchase behavior classification of a particular consumer 529 1999
6,185,541 System and method for providing shopping aids and incentives to customers through a computer network 271 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 159 1999
6,885,994 System and method for providing shopping aids and incentives to customers through a computer network 81 2000
7,398,248 System and method for using cards for sponsored programs 42 2002
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 416 1984
 
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 80 1983
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 132 1996
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 467 1995
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 206 1996
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 198 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4,746,787 IC card with display and card recording and reading device 145 1985
5,146,068 System for authenticating an authorized user of an IC card 96 1990
6,338,048 Electronic transaction system 117 1999
 
US PHILIPS ELECTRONICS (1)
6,424,029 Chip card 215 2000
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 175 1984
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 510 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 579 1995
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 295 1998
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 128 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 120 1999
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
5,744,787 System and method for retail 146 1995
6,065,675 Processing system and method for a heterogeneous electronic cash environment 313 1998
 
ACS State & Local Solutions, Inc. (6)
5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 142 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 190 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 83 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 81 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 81 2002
2004/0064,332 Systems and methods for electronically processing government sponsored benefits 33 2003
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 447 1994
 
Toshiba Battery Co., Ltd. (1)
4,777,563 Thin type electronic instrument 71 1987
 
SEIKO EPSON CORPORATION (2)
6,961,710 Method for billing for advertisements printed on check-out receipts 46 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 57 2003
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 133 1997
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 354 1986
 
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 281 1995
 
XEROX CORPORATION (1)
6,073,160 Document communications controller 174 1996
 
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities 84 2002
 
LAAGE, MARIA THERESA, MS (1)
6,931,382 Payment instrument authorization technique 104 2001
 
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) 63 2002
 
National Business Systems, Inc. (1)
4,866,545 Credit card embossing and recording system 32 1988
 
MASTERCARD INTERNATIONAL INCORPORATED (14)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 498 1988
5,557,516 System and method for conducting cashless transactions 304 1994
5,705,798 System and method for processing a customized financial transaction card 273 1994
5,692,132 System and method for conducting cashless transactions on a computer network 559 1995
5,699,528 System and method for bill delivery and payment over a communications network 1077 1995
5,704,046 System and method for conducting cashless transactions 344 1996
6,315,193 Financial transaction card with installment loan feature 151 1998
6,473,500 System and method for using a prepaid card 470 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 144 2001
6,793,131 Financial transaction card with installment loan feature 44 2001
7,252,226 System and method for using a prepaid card 55 2002
7,359,880 System and method for consumer control over card-based transactions 52 2005
2008/0005,018 Systems And Methods For Implementing Direct Issuer - Merchant Relationships Over A General Purpose Bankcard Network 35 2007
2008/0230,600 METHOD, SYSTEM, AND APPARATUS FOR CONDUCTING A PURCHASE TRANSACTION 34 2007
 
ContentGuard Holdings, Inc. (1)
5,530,235 Interactive contents revealing storage device 497 1995
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 79 1994
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 61 2001
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 347 1989
 
Intellicard International, Inc. (2)
4,614,861 Unitary, self-contained card verification and validation system and method 642 1984
4,707,594 Unitary, self-contained consumer transaction card 72 1985
 
UBS Financial Services, Inc. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 155 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags 133 2001
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 70 2002
 
State Street Corporation (1)
2003/0101,119 Verification of net asset values 107 2001
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5,806,045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 546 1996
 
Juergen Dethloff (1)
4,837,422 Multi-user card system 496 1987
 
LIVINGSTON INTERNATIONAL TECHNOLOGY SERVICES CORPORATION (1)
2009/0150,370 System and Method For Restricted Party Screening and Resolution Services 27 2007
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card 82 1998
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 79 2000
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 518 1996
 
CYBERSETTLE.COM, INC. (1)
6,954,741 Computerized dispute resolution system and method 68 1999
 
UNIFOIL CORPORATION (1)
2008/0187,770 Metallization process and product produced thereby 21 2008
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 149 1985
 
III HOLDINGS 1, LLC (13)
6,581,839 Transaction card 195 2000
2001/0054,003 System and method for using loyalty points 364 2001
2002/0026,416 System and method for account reconciliation 56 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 71 2002
6,764,014 Transaction card 113 2002
7,606,730 System and method for a multiple merchant stored value card 47 2002
6,845,906 System and method for selecting financial services 40 2003
2005/0021,353 DONATION SYSTEM AND METHOD 60 2004
2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE 79 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 173 2004
7,070,095 Foldable transaction cards and methods of making the same 63 2004
7,156,301 Foldable non-traditionally-sized RF transaction card system and method 56 2005
7,506,806 Smartcard transaction method and system using fingerprint recognition 43 2007
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 336 1994
 
RPX CLEARINGHOUSE LLC (1)
6,021,189 System for controlling usage of phone debit cards 56 1997
 
Store Financial Services, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 156 2003
 
SMART-MOVE LIMITED (1)
6,213,392 Card interface for interfacing a host application program to data storage cards 88 1998
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 637 1996
 
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 116 1999
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 46 2005
 
W. & T. Avery Limited (1)
5,352,877 Non-contact transaction system with token presence detection 67 1992
 
TransAct Technologies Incorporated (1)
2003/0217,329 Methods and apparatus for creating customized messages for printing on a transaction slip 50 2003
 
CITIBANK, N.A. (19)
5,453,601 Electronic-monetary system 752 1991
5,455,407 Electronic-monetary system 433 1995
5,799,087 Electronic-monetary system 253 1995
5,710,889 Interface device for electronically integrating global financial services 709 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 346 1995
6,058,378 Electronic delivery system and method for integrating global financial services 339 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 291 1996
6,112,190 Method and system for commercial credit analysis 261 1997
6,029,153 Method and system for analyzing and handling the customer files of a financial institution 122 1997
5,920,629 Electronic-monetary system 330 1997
5,953,423 Electronic-monetary system 178 1997
5,963,648 Electronic-monetary system 239 1997
6,047,067 Electronic-monetary system 282 1997
6,895,386 Stock credit card 86 1998
6,098,053 System and method for performing an electronic financial transaction 497 1999
6,349,290 Automated system and method for customized and personalized presentation of products and services of a financial institution 317 1999
7,051,001 System and method for merchant function assumption of internet checking and savings account transactions 43 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 172 1999
7,092,905 Systems and methods for the processing of financial transactions 77 2001
 
Blockbuster L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 468 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 413 1998
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 395 1988
 
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making 128 1994
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 58 2001
 
RATEZE REMOTE MGMT. L.L.C. (2)
5,765,141 Computerized merchandising system 305 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 289 1996
 
RETAIL ROYALTY COMPANY (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes 118 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 97 1999
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 135 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 1713 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 512 1997
 
ZIH CORP. (1)
5,680,459 Passive transponder 130 1995
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 140 1997
6,095,412 Host and user transaction system 153 1997
 
Diebold, Incorporated (3)
7,039,600 ATM customer marketing system 74 1999
2002/0133,461 Automated banking machine processing system and method 54 2002
2005/0216,888 Method of developing automated banking machine instructions 53 2005
 
Diebold Self-Service Systems Division of Diebold, Incorporated (3)
6,315,195 Transaction apparatus and method 269 1998
2003/0217,005 Automated banking machine system and method 133 2003
7,025,256 Automated banking machine system and method 80 2004
 
CITICORP DEVELOPMENT CENTER, INC. (2)
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal 108 1998
6,913,193 Method and system of tracking and providing an audit trail of smart card transactions 40 1999
 
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll 44 2004
 
MoneyAbility Technology, LLC (1)
2006/0085,334 Dynamic financial liability management 99 2004
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1272 1989
 
Indala Corporation (1)
5,382,784 Hand-held dual technology identification tag reading head 246 1993
 
THIRD ACT LLC (2)
6,044,360 Third party credit card 360 1997
2004/0093,303 Third party debit card 120 2003
 
Union State Bank (1)
7,006,992 Risk assessment and management system 134 2000
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 126 1999
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 118 2001
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 248 1987
 
AUTOSCRIBE CORPORATION (1)
6,041,315 Automated payment system and method 227 1997
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 58 2004
 
USA TECHNOLOGIES, INC. (3)
5,637,845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 294 1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 128 1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 111 2001
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 55 2004
 
WEEKS, STEPHEN M. (1)
7,346,567 Conditional fee ownership home financing system and business method 45 2002
 
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 257 1995
 
KHAL HEE KWAN (1)
2003/0200,179 METHOD, APPARATUS AND PROGRAM TO MAKE PAYMENT IN ANY CURRENCIES THROUGH A COMMUNICATION NETWORK SYSTEM USING PRE-PAID CARDS 98 1999
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 443 1995
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 146 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 187 1996
5,825,871 Information storage device for storing personal identification information 191 1996
 
COMPUTERIZED DATA SYSTEMS FOR MANUFACTURERS (C.D.S.M.) (1)
5,049,728 IC card system with removable IC modules 229 1990
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 117 2000
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
5,247,190 Electroluminescent devices 1256 1990
5,401,827 Semiconductive copolymers for use in luminescent devices 127 1991
5,399,502 Method of manufacturing of electrolumineschent devices 577 1993
5,512,654 Semiconductive copolymers for use in luminescent devices 111 1994
5,672,678 Semiconductive copolymers for use in luminescent devices 133 1995
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 147 1995
5,807,627 Electroluminescent devices 167 1997
 
VANTEQ, INC. (1)
7,089,202 Method and system for internet banking and financial services 132 2000
 
Leonhard Kurz GmbH & Co. (1)
5,383,687 Value document and embossing foil for the production thereof 109 1993
 
CHASE MANHATTAN BANK USA, NATIONAL ASOCIATION (1)
2009/0265,275 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 28 2009
 
Mag-Tek, Inc. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 182 1996
 
Paper Systems, Inc. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper 38 2005
 
Union Beach, L.P. (1)
5,521,363 System and method for tracking memory card transactions 180 1994
 
Pinpoint Incorporated (1)
2001/0014,868 SYSTEM FOR THE AUTOMATIC DETERMINATION OF CUSTOMIZED PRICES AND PROMOTIONS 627 1998
 
Licensys Pty Ltd (1)
D538349 Number plate 53 2005
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (3)
* 4,723,212 Method and apparatus for dispensing discount coupons 501 1987
4,910,672 Method and apparatus for dispensing discount coupons 510 1987
5,173,851 Method and apparatus for dispensing discount coupons in response to the purchase of one or more products 543 1990
 
XATRA FUND MX, LLC (1)
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 66 2004
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 59 2002
 
Swychco Support Services Pty. Ltd. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 361 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 228 1997
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (9)
5,970,478 Method, apparatus, and program for customizing credit accounts 219 1997
5,949,044 Method and apparatus for funds and credit line transfers 370 1997
6,227,972 Method and apparatus for expiration of prepaid slot machine plays 203 1997
6,018,718 Method and system for processing customized reward offers 367 1997
6,163,771 Method and device for generating a single-use financial account number 289 1997
6,128,599 Method and apparatus for processing customized group reward offers 433 1997
5,999,596 Method and system for controlling authorization of credit card transactions 199 1998
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 158 1999
6,374,230 Method, apparatus and program for customizing credit accounts 147 1999
 
GENWORTH FINANCIAL, INC. (1)
2004/0172,350 System and method for cross funding of multiple annuity contracts 78 2002
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 192 1993
 
WALKER DIGITAL, LLC (1)
2002/0165,771 Method and apparatus for establishing prices for a plurality of products 118 2001
 
Affinion Net Patents, Inc. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 624 1995
 
MICRO ENHANCEMENT INTERNATIONAL (3)
5,857,175 System and method for offering targeted discounts to customers 568 1995
6,484,146 System for offering targeted discounts to customers and collecting purchasing behavior data 96 1997
7,024,374 Targeted marketing and purchase behavior monitoring system 79 2000
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 375 1996
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 322 1997
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 507 1997
6,188,309 Method and apparatus for minimizing credit card fraud 119 1998
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 239 1985
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 72 2003
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 441 1995
 
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same 150 2006
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 221 1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data 302 1997
 
DELIVERM CONSULTING B.V., LLC (2)
7,401,049 System and method for a prepaid card issued by a foreign financial institution 26 2002
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability 120 2003
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1611 1995
 
CITRIX SYSTEMS, INC. (1)
6,886,046 Methods and apparatus for extendible information aggregation and presentation 72 2001
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 365 1981
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (8)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 125 1999
D449336 Card with a blue ornamental rectangle 51 1999
6,742,704 Multiple-service card system 96 2001
2003/0023,549 Consolidated payment account system and method 129 2002
7,530,491 Metal-containing transaction card and method of making the same 35 2003
7,588,184 Metal-containing transaction card and method of making the same 51 2005
7,494,057 Metal-containing transaction card and method of making the same 36 2007
2009/0230,195 METAL-CONTAINING TRANSACTION CARD AND METHOD OF MAKING THE SAME 28 2009
 
INTERNET PROMISE GROUP LLC (1)
7,254,560 Method and apparatus for an integrated identity security and payment system 33 2001
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
2004/0128,195 System and method for processing transactions 42 2003
 
REALSOURCE, INC. (1)
5,732,136 Merchant specific debit card verification system 163 1997
 
SAMSUNG ELECTRONICS CO., LTD. (15)
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
2003/0193,657 Range finder device and camera 29 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (23)
4,701,601 Transaction card with magnetic stripe emulator 451 1985
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 330 1986
4,822,985 Transaction approval system 126 1987
D310386 Transaction card 118 1987
4,906,826 Usage promotion method for payment card transaction system 148 1988
4,870,259 Transaction approval system 122 1989
4,908,521 Transaction approval system 128 1989
4,943,707 Transaction approval system 166 1989
5,177,342 Transaction approval system 295 1990
5,175,416 Funds transfer system 385 1991
5,477,038 Method and apparatus for distributing currency 471 1993
5,465,206 Electronic bill pay system 792 1993
5,703,344 Electronic funds confirmation at point of transaction 348 1995
RE36365 Method and apparatus for distributing currency 285 1996
5,920,847 Electronic bill pay system 721 1996
6,119,103 Financial risk prediction systems and methods therefor 449 1997
* 5,963,925 Electronic statement presentment system 446 1997
RE37122 Method and apparatus for distributing currency 227 1998
6,105,008 Internet loading system using smart card 307 1998
6,560,581 System and method for secure electronic commerce transaction 316 1998
6,298,336 Card activation at point of distribution 241 1998
7,031,939 Systems and methods for implementing person-to-person money exchange 154 2000
RE38255 Method and apparatus for distributing currency 149 2001
 
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card 201 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 56 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 53 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 53 2007
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 130 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 59 2004
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 389 1995
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 229 1997
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 161 2000
 
Value Benefits Insurance Agency, Inc. (1)
2003/0204,421 Integrated system and method for insurance products 78 2002
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
5,727,153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 351 1995
5,806,044 System and method for distributing coupons through a system of computer networks 379 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 198 1997
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 176 1992
 
DS-IQ, Inc. (1)
6,330,543 Method and system for distributing and reconciling electronic promotions 246 1998
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 103 1991
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 122 1995
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 198 2003
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 164 1998
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 110 2003
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (5)
5,819,234 Toll collection system 210 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 233 1997
6,167,385 Supply chain financing system and method 212 1998
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 482 2000
2002/0095,365 Corporate products trading marketplace 134 2001
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (7)
7,239,226 System and method for payment using radio frequency identification in contact and contactless transactions 105 2002
6,805,287 System and method for converting a stored value card to a credit card 144 2002
7,249,112 System and method for assigning a funding source for a radio frequency identification device 95 2002
7,228,155 System and method for remotely initializing a RF transaction 91 2004
7,493,288 RF payment via a mobile device 63 2004
7,312,707 System and method for authenticating a RF transaction using a transaction account routing number 71 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 116 2004
 
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) 107 1998
 
M.A. Rivalto, Inc. (1)
5,482,139 Automated drive-up vending facility 254 1995
 
TOURNAMENT HOLDINGS LTD., L.L.C. (1)
6,048,271 Automated league and tournament device 219 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (2)
6,014,634 System and method for providing shopping aids and incentives to customers through a computer network 657 1997
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 430 1997
 
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers 109 1994
6,295,344 Telephone travel card system under the control of its customers 49 1998
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 227 1987
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 106 2001
 
Pennsylvania Food Merchants Association (1)
5,581,064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 200 1994
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 272 2003
 
THE OHIO STATE UNIVERSITY (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 101 1997
 
OneName Corporation (1)
6,757,710 Object-based on-line transaction infrastructure 243 2002
 
VALID USA, INC. (1)
6,471,128 Method of making a foil faced financial transaction card having graphics printed thereon and card made thereby 52 2000
 
LIFEPROXY LLC (1)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 35 2001
 
NEOPOST TECHNOLOGIES (1)
6,227,445 Secure smart card access to pre-paid metering funds in meter 35 1998
 
Executing the Numbers, Inc. (1)
6,119,097 System and method for quantification of human performance factors 117 1997
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
7,104,443 Method and system for facilitating electronic funds transactions 217 2002
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 174 1998
 
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions 53 2004
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 438 1997
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 280 1992
 
Freddie Mac (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 63 2004
 
BMC Resources, Inc. (3)
5,652,786 Automated interactive bill payment system 282 1996
5,715,298 Automated interactive bill payment system using debit cards 218 1997
5,870,456 Automated interactive bill payment system using debit cards 250 1997
 
Safecard ID System, Inc. (1)
6,164,548 Methods of creating a tamper resistant informational article 105 1998
 
MicroBilt Corporation (1)
5,466,920 Real time decoding for card transaction terminal 57 1991
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 103 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 136 1999
6,434,259 Method of providing secure user access 116 1999
6,429,927 Imaging device, especially for optical fingerprinting 111 1999
6,498,861 Biometric security encryption system 128 2000
 
Exxon Research and Engineering Company (2)
5,072,380 Automatic vehicle recognition and customer billing system 182 1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 165 1993
 
TALX CORPORATION (1)
2003/0149,660 Method and system for managing employee access to payroll information 41 2002
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6,138,911 In-store points redemption system and method 233 1999
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 517 1984
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 249 1994
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 84 2005
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 199 1998
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 290 1998
 
GIESECKE & DEVRIENT GMBH (5)
6,343,743 Method of checking authenticity of a data carrier 76 1998
6,382,677 Security element and method for producing same 38 1999
6,726,813 Security device and method for producing it 29 2002
7,479,320 Security element and method for producing the same 32 2002
7,503,503 Card laminate 28 2005
 
PERFECT PLASTIC PRINTING CORPORATION (1)
4,938,830 Plastic card and method of fabrication thereof 75 1988
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 137 1997
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 48 2004
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
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 284 1990
 
Brubaker, Randall E. (1)
6,186,793 Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events 129 1997
 
Arjo Wiggins Security SAS (1)
7,128,272 Method for making an article comprising a sheet and at least an element directly mounted thereon 28 2002
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 105 2001
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 765 1995
 
Call Processing, Inc. (2)
5,511,114 Telephone pre-paid calling card system and method 336 1994
5,721,768 Pre-paid card system and method 326 1996
 
Starbucks Corporation (1)
2005/0077,350 Dual card 84 2004
 
IP-TPG HOLDCO S.A.R.L. (1)
5,572,004 Method for paying for services and/or goods and apparatus for carrying out the method 134 1995
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 305 1996
 
Kapsch TrafficCom AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 146 1998
 
PRUDENTIAL INSURANCE COMPANY OF AMERICA, THE (1)
2004/0158,517 Method for maximizing retirement income using financial bridge products and deferred social security income 43 2004
 
INTER*ACT SYSTEMS, INC. (13)
* 5,201,010 Method and system for building a database and performing marketing based upon prior shopping history 420 1992
5,237,620 Check reader method and system for reading check MICR code 240 1992
5,305,196 Check transaction processing, database building and marketing method and system utilizing automatic check reading 232 1992
5,327,508 Method and system for building a database and performing marketing based upon prior shopping history 213 1993
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 564 1993
* 5,388,165 Method and system for building a database and performing marketing based upon prior shopping history 217 1994
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 450 1994
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 358 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 345 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 403 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 286 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 318 1995
6,351,735 Check transaction processing, database building and marketing method and system utilizing automatic check reading 130 1996
 
WINKLEVOSS TECHNOLOGIES, L.L.C. (1)
2004/0117,202 Method and system for determining benefits 44 2003
 
York Eggleston (1)
6,061,660 System and method for incentive programs and award fulfillment 593 1998
 
METLIFE LIFE INSURANCE COMPANY (1)
5,806,047 System for combined pool portfolio 144 1995
 
WYNN, SOL H. (1)
5,859,419 Programmable multiple company credit card system 455 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 283 1995
 
Electronic Warfare Associates, Inc. (1)
5,185,697 Apparatus and method for managing crisis situations 81 1989
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 114 1989
5,080,748 Card assembly apparatus 176 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 293 1998
6,068,183 Chip card system 206 1998
5,931,764 Wearable device with flexible display 201 1998
6,402,039 Flexible chip card with display 179 1999
6,450,407 Chip card rebate system 407 2000
 
SUMMIT BANCORP (1)
6,454,647 Method and system for automated collect and win sweepstakes for ATM transactions 44 1999
 
Checkfree Corporation (2)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 641 1991
6,289,322 Electronic bill processing 378 1998
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 152 2000
 
FUJITSU LIMITED (11)
5,097,115 Transaction authentication system 126 1989
5,481,094 Point-of-sale terminal 196 1994
6,003,762 Transaction terminal for an electronic cashless system 261 1994
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 421 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 43 2001
2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 90 2002
2005/0114,883 Information providing method, information providing apparatus, and computer-readable recording medium with information providing program recorded thereon 45 2004
2005/0060,260 Payment system, payment apparatus, and payment program storage medium 38 2004
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 89 2004
2005/0119,979 Transaction system and transaction terminal equipment 59 2004
 
SOUND VIEW INNOVATIONS, LLC (1)
6,742,125 Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol 25 1996
 
FIRST DATA CORPORATION (11)
7,050,996 Method for linking accounts corresponding to different products together to create a group 78 1999
7,076,465 Methods for processing a group of accounts corresponding to different products 65 1999
6,490,568 Automated system and method for monitoring financial transactions 117 1999
6,978,369 Person-centric account-based digital signature system 100 2001
2004/0049,452 Multiple credit line presentation instrument 96 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 43 2002
2003/0120,571 Authorizing transactions associated with accounts 50 2002
2003/0182,218 Chasing rewards associated with accounts 74 2003
2006/0036,543 Creating groups of linked accounts 60 2005
* 2006/0116,955 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 26 2006
 
BOWIE, STUART S. (1)
6,195,644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 183 1999
 
Xtreme Traffic Builders, Inc. (1)
6,557,750 Promotional mailing device 56 2002
 
CASIO COMPUTER CO., LTD. (2)
4,754,418 Combined electronic calculator and credit card 136 1985
4,697,072 Identification card and authentication system therefor 124 1985
 
G & D CARDTECH, INC. (1)
6,644,551 Card 87 2001
 
Coupco, Inc. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 340 1991
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 109 1990
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 91 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 117 1996
5,770,849 Smart card device with pager and visual image display 159 1996
5,734,154 Smart card with Iintegrated reader and visual image display 239 1996
5,789,733 Smart card with contactless optical interface 307 1996
 
Marflex International Inc. (1)
5,503,891 Flexible magnet attractant display mat 78 1994
 
BRIDGEPOINT SYSTEMS, INC. (1)
5,936,221 Smart card system and method for transferring value 147 1997
 
Tamura Electric Works, Ltd. (2)
5,546,446 Public telephone system using a prepaid card to enable communication 51 1994
5,563,934 Pay phone call control apparatus for allowing calls using pre-paid cards 51 1995
 
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions 233 1996
6,295,522 Stored-value card value acquisition method and apparatus 216 1997
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 112 1988
 
PAYPAL, INC. (3)
6,267,292 Method and apparatus for funds and credit line transfers 309 1999
7,047,222 Secure encryption of data packets for transmission over unsecured networks 38 2000
2005/0171,842 Method and system for incentivizing the promotion of a payment service 44 2004
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 118 2001
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 144 2003
 
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing 30 2004
 
JPMORGAN CHASE BANK, N.A. (51)
6,227,447 Cardless payment system 427 1999
6,553,113 System and methods for call decisioning in a virtual call center integrating telephony with computers 136 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 147 1999
D437882 Transaction card 58 1999
7,392,224 System and method of operating a debit card reward program 105 1999
6,557,039 System and method for managing information retrievals from distributed archives 230 1999
7,113,914 Method and system for managing risks 67 2000
6,631,849 Selectable multi-purpose card 454 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 56 2000
6,341,724 Cardless payment system 193 2001
2001/0034,682 International banking system and method 133 2001
2002/0077,978 Method and system for processing internet payments 355 2001
6,945,453 System and method for funding a collective account by use of an electronic tag 54 2001
2003/0028,483 System and method for funding a collective account 66 2002
2003/0033,246 Sponsor funded stored value card 102 2002
7,165,049 Sponsor funded stored value card 105 2002
2003/0105,714 System and method for currency selectable stored value instrument 59 2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 269 2003
2003/0187,787 System and process for performing purchase transactions using tokens 149 2003
7,676,425 Method and system for providing flexible financing 24 2003
2005/0189,427 Coin-discriminator voucher anti-counterfeiting method and apparatus 38 2003
2004/0128,186 System and method for managing risks associated with outside service providers 94 2003
2005/0065,877 Method and system for distribution of unactivated bank account cards 53 2003
2004/0122,736 System and method for granting promotional rewards to credit account holders 108 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 88 2004
2005/0091,492 Portable security transaction protocol 52 2004
7,392,222 System and method for providing promotional pricing 106 2004
7,707,111 Customer activated multi-value (CAM) card 34 2004
2005/0086,167 Customer activated multi-value (CAM) card 38 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 44 2004
D530741 Transparent transaction card 42 2004
7,191,952 Selectable multi-purpose card 105 2004
7,263,507 Customer activated multi-value (CAM) card 52 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 91 2005
7,591,416 Selectable multi-purpose card 57 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 29 2006
7,311,244 System and method for funding a collective account by use of an electronic tag 29 2006
2006/0259,364 System and method for granting promotional rewards to credit account holders 110 2006
7,357,331 Selectable multi-purpose card 57 2006
* 2007/0078,719 S/M for offering reward programs 52 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 83 2007
D576671 Overlapping transaction device 42 2008
D582476 Pivoting transaction device 34 2008
D582977 Transaction device 65 2008
* 2008/0277,465 METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS 39 2008
D602522 Transaction device 57 2008
D602986 Metal transaction device 57 2009
2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 35 2009
2009/0271,853 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 24 2009
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
5,852,812 Billing system for a network 578 1995
5,721,781 Authentication system and method for smart card transactions 653 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 703 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 605 1997
2001/0037,315 System and method for secure distribution of information via eMail 109 2000
 
WINBOND ELECTRONICS CORP. (1)
5,877,975 Insertable/removable digital memory apparatus and methods of operation thereof 118 1996
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 423 1996
 
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions 172 1996
 
Cash Technologies, Inc. (1)
6,308,887 Multi-transactional architecture 361 1999
 
SMALL VALUE PAYMENTS COMPANY, L.L.C., THE (1)
* 5,412,190 Electronic check presentment system having a return item notification system incorporated therein 213 1993
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 48 2004
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 381 1998
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 197 1994
 
CYARCH, LLC (1)
2003/0167,220 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 46 2001
 
PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration 42 2001
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 79 2004
 
EASTMAN KODAK COMPANY (1)
7,063,924 Security device with patterned metallic reflection 42 2002
 
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 75 2000
 
ROUNDMEUP, INC. (1)
7,502,758 Creation and distribution of excess funds, deposits, and payments 41 2001
 
UNISYS CORPORATION (1)
5,187,750 Archival document image processing and printing system 249 1991
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 782 1994
5,884,271 Device, system and methods of conducting paperless transactions 546 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 258 1998
 
MONEYFAX, INC. (2)
4,454,414 Funds transfer system using optically coupled, portable modules 481 1982
* 5,122,950 Method of and system for electronic funds transfer via facsimile machines 172 1989
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (1)
* 2011/0106,695 PAYMENT PROCESSING SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT 1 2009
 
BLACKHAWK NETWORK, INC. (1)
* 2013/0054,470 System for Payment via Electronic Wallet 33 2012
 
PAYPAL, INC. (13)
* 2006/0064,378 METHOD AND APPARATUS FOR MAINTAINING LINKED ACCOUNTS 25 2004
* 2006/0235,758 Authorization techniques 19 2005
8,364,566 Method for managing group finances via an electronic network 1 2008
* 2008/0195,510 METHOD FOR MANAGING GROUP FINANCES VIA AN ELECTRONIC NETWORK 6 2008
8,626,650 Gradual conversion of financial accounts 0 2008
8,249,986 Methods and systems of controlling activities of financial accounts 8 2008
* 2010/0191,629 SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES 6 2010
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
* 2010/0205,097 METHODS AND APPARATUS FOR FUNDING TRANSACTIONS USING DEBIT CARDS ISSUED BY ONE INSTITUTION AND FUNDS FROM ACCOUNTS AT OTHER INSTITUTIONS 2 2010
* 2010/0223,178 AUTHORIZATION AND CAPTURE WITH MULTIPLE CURRENCIES 2 2010
8,732,076 Methods and systems for providing a savings goal 1 2012
8,392,328 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 3 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
 
CENPOS, INC. (2)
* 8,577,730 Cash management optimization for payment processing 0 2009
* 2011/0106,638 CASH MANAGEMENT OPTIMIZATION FOR PAYMENT PROCESSING 1 2009
 
JPMORGAN CHASE BANK, N.A. (3)
* 2014/0114,815 System And Method For Managing And Using A Third Party Subsidy Account 0 2011
9,058,626 System and method for financial services device usage 0 2013
* 2014/0258,102 MULTIPLE ACCOUNT ADVANCED PAYMENT CARD AND METHOD OF ROUTING CARD TRANSACTIONS 0 2014
 
EWI Holdings, Inc. (3)
8,594,286 Systems and methods for personal identification number distribution and delivery 1 2012
8,967,464 System and method for electronic prepaid account replenishment 0 2013
8,867,713 Systems and methods for personal identification number distribution and delivery 0 2013
 
BANK OF AMERICA CORPORATION (2)
9,047,636 Dynamic determination of appropriate payment account 0 2011
* 2014/0279,409 RECOMMENDING RETROACTIVE VEHICLE FOR PAYMENT BASED ON IN-FLOWS AND OUT-FLOWS 0 2013
 
MIICARD LIMITED (2)
* 8,332,322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts 1 2010
* 2011/0276,485 METHOD OF ESTABLISHING IDENTITY VALIDATION BASED ON AN INDIVIDUAL'S ABILITY TO ACCESS MULTIPLE SECURE ACCOUNTS 0 2010
 
GOOGLE INC. (6)
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 8 2012
9,135,619 Merchant identification of payer via payment path 0 2012
8,676,709 Merchant category codes in a proxy card transaction 1 2012
9,092,767 Selecting a preferred payment instrument 0 2013
 
FIRST DATA CORPORATION (1)
* 2010/0217,674 SYSTEMS, METHODS AND APPARATUS FOR SELECTING A PAYMENT ACCOUNT FOR A PAYMENT TRANSACTION 3 2009
 
ORANGE (2)
* 8,422,652 Device and method for managing communication credits associated to use of services by a terminal 0 2006
* 2009/0092,238 Device and Method for Managing Communication Credits Associated to Use of Services by a Terminal 3 2006
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Aug 15, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 15, 2022
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00