US Patent No: 7,890,422

Number of patents in Portfolio can not be more than 2000

Multiple account advanced payment card and method of routing card transactions

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1918

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fellner, Debra C Wilmington, DE 17 189
Fox, Steven Newark, DE 20 130
Hirka, Jeffrey L Wilmington, DE 26 269
Knackstedt, Lee Bear, DE 21 174

Cited Art Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (47)
6,227,447 Cardless payment system 402 1999
6,553,113 System and methods for call decisioning in a virtual call center integrating telephony with computers 125 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 135 1999
7,392,224 System and method of operating a debit card reward program 94 1999
6,557,039 System and method for managing information retrievals from distributed archives 207 1999
7,113,914 Method and system for managing risks 65 2000
6,631,849 Selectable multi-purpose card 392 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 54 2000
6,341,724 Cardless payment system 181 2001
2001/0034,682 International banking system and method 129 2001
2002/0077,978 Method and system for processing internet payments 328 2001
6,945,453 System and method for funding a collective account by use of an electronic tag 52 2001
2003/0028,483 System and method for funding a collective account 61 2002
2003/0033,246 Sponsor funded stored value card 99 2002
7,165,049 Sponsor funded stored value card 102 2002
2003/0105,714 System and method for currency selectable stored value instrument 49 2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 236 2003
2003/0187,787 System and process for performing purchase transactions using tokens 139 2003
7,676,425 Method and system for providing flexible financing 24 2003
2005/0189,427 Coin-discriminator voucher anti-counterfeiting method and apparatus 35 2003
2004/0128,186 System and method for managing risks associated with outside service providers 87 2003
2005/0065,877 Method and system for distribution of unactivated bank account cards 52 2003
2004/0122,736 System and method for granting promotional rewards to credit account holders 99 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 77 2004
2005/0091,492 Portable security transaction protocol 49 2004
7,392,222 System and method for providing promotional pricing 102 2004
7,707,111 Customer activated multi-value (CAM) card 32 2004
2005/0086,167 Customer activated multi-value (CAM) card 37 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 41 2004
7,191,952 Selectable multi-purpose card 97 2004
7,263,507 Customer activated multi-value (CAM) card 47 2005
7,660,763 Customer activated multi-value (CAM) card 20 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 82 2005
7,591,416 Selectable multi-purpose card 45 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 28 2006
7,311,244 System and method for funding a collective account by use of an electronic tag 28 2006
7,357,331 Selectable multi-purpose card 54 2006
* 2007/0078,719 S/M for offering reward programs 47 2006
2007/0156,530 System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories 36 2007
2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 71 2007
D576671 Overlapping transaction device 35 2008
D582476 Pivoting transaction device 34 2008
D582977 Transaction device 57 2008
* 2008/0277,465 METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS 34 2008
D602522 Transaction device 45 2008
D602986 Metal transaction device 51 2009
2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 34 2009
 
VISA INTERNATIONAL SERVICE ASSOCIATION (23)
4,701,601 Transaction card with magnetic stripe emulator 394 1985
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 313 1986
4,822,985 Transaction approval system 122 1987
D310386 Transaction card 115 1987
4,906,826 Usage promotion method for payment card transaction system 141 1988
4,870,259 Transaction approval system 117 1989
4,908,521 Transaction approval system 121 1989
4,943,707 Transaction approval system 158 1989
5,177,342 Transaction approval system 274 1990
5,175,416 Funds transfer system 370 1991
5,477,038 Method and apparatus for distributing currency 443 1993
5,465,206 Electronic bill pay system 766 1993
5,703,344 Electronic funds confirmation at point of transaction 328 1995
RE36365 Method and apparatus for distributing currency 271 1996
5,920,847 Electronic bill pay system 696 1996
6,119,103 Financial risk prediction systems and methods therefor 423 1997
* 5,963,925 Electronic statement presentment system 427 1997
RE37122 Method and apparatus for distributing currency 216 1998
6,105,008 Internet loading system using smart card 285 1998
6,560,581 System and method for secure electronic commerce transaction 295 1998
6,298,336 Card activation at point of distribution 227 1998
7,031,939 Systems and methods for implementing person-to-person money exchange 142 2000
RE38255 Method and apparatus for distributing currency 140 2001
 
CITIBANK, N.A. (19)
5,453,601 Electronic-monetary system 719 1991
5,455,407 Electronic-monetary system 416 1995
5,799,087 Electronic-monetary system 238 1995
5,710,889 Interface device for electronically integrating global financial services 677 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 335 1995
6,058,378 Electronic delivery system and method for integrating global financial services 317 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 284 1996
6,112,190 Method and system for commercial credit analysis 246 1997
6,029,153 Method and system for analyzing and handling the customer files of a financial institution 113 1997
5,920,629 Electronic-monetary system 312 1997
5,953,423 Electronic-monetary system 171 1997
5,963,648 Electronic-monetary system 233 1997
6,047,067 Electronic-monetary system 276 1997
6,895,386 Stock credit card 80 1998
6,098,053 System and method for performing an electronic financial transaction 472 1999
6,349,290 Automated system and method for customized and personalized presentation of products and services of a financial institution 291 1999
7,051,001 System and method for merchant function assumption of internet checking and savings account transactions 39 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 164 1999
7,092,905 Systems and methods for the processing of financial transactions 72 2001
 
CATALINA MARKETING CORPORATION (16)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 463 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 592 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 457 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 545 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 752 1995
5,710,886 Electric couponing method and apparatus 541 1995
6,377,935 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 129 1997
6,424,949 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 198 1997
5,974,399 Method and apparatus for generating purchase incentives based on price differentials 287 1997
6,260,758 Promotional financial transaction machine method 69 1998
6,336,099 Method and system for electronic distribution of product redemption coupons 237 1998
6,055,573 Communicating with a computer based on an updated purchase behavior classification of a particular consumer 451 1999
6,185,541 System and method for providing shopping aids and incentives to customers through a computer network 258 1999
6,282,516 Process, system and computer readable medium for in-store printing of discount coupons and/or other purchasing incentives in various departments within a retail store 148 1999
6,885,994 System and method for providing shopping aids and incentives to customers through a computer network 78 2000
7,398,248 System and method for using cards for sponsored programs 38 2002
 
PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA (15)
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
 
THE WESTERN UNION COMPANY (15)
5,326,960 Currency transfer system and method 217 1992
5,350,906 Currency transfer system and method using fixed limit cards 472 1992
5,650,604 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds 267 1995
2003/0055,780 Method and system for transferring stored value 95 2001
7,054,842 Stored value cards and methods for their issuance 38 2001
2002/0152,168 Automated transfer with stored value fund 92 2001
2002/0161,702 Money order debit from stored value fund 72 2001
7,092,916 Electronic identifier payment system and methods 77 2001
6,814,282 Systems and methods of introducing and receiving information across a computer network 121 2002
7,107,249 Electronic identifier payment systems and methods 94 2002
2003/0222,136 Stored value education account 82 2002
2003/0130,940 Value transfer systems and methods 96 2002
2003/0130,948 Automated transfer with stored value 116 2003
2003/0135,459 Stored value payouts 118 2003
7,315,843 Electronic identifier payment systems and methods 54 2006
 
CHESS VENTURES LLC (14)
6,805,288 Method for generating customer secure card numbers subject to use restrictions by an electronic card 201 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (14)
5,717,925 Information catalog system with object-dependent functionality 255 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 69 1996
5,796,827 System and method for near-field human-body coupling for encrypted communication with identification cards 224 1996
6,029,144 Compliance-to-policy detection method and system 200 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 43 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 255 1998
6,675,149 Information technology project assessment method, system and program product 75 1999
6,567,786 System and method for increasing the effectiveness of customer contact strategies 139 1999
6,671,673 Method for integrated supply chain and financial management 203 2000
2003/0154,125 Pesonalisation of promotional offers 87 2001
6,641,050 Secure credit card 174 2001
2006/0106,696 Account transfer using a single financial account 48 2004
2006/0289,636 Food card to restrict purchases 23 2005
7,306,163 Smart card and method for its production 32 2005
 
MASTERCARD INTERNATIONAL INCORPORATED (14)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 486 1988
5,557,516 System and method for conducting cashless transactions 290 1994
5,705,798 System and method for processing a customized financial transaction card 258 1994
5,692,132 System and method for conducting cashless transactions on a computer network 532 1995
5,699,528 System and method for bill delivery and payment over a communications network 1005 1995
5,704,046 System and method for conducting cashless transactions 314 1996
6,315,193 Financial transaction card with installment loan feature 142 1998
6,473,500 System and method for using a prepaid card 447 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 136 2001
6,793,131 Financial transaction card with installment loan feature 39 2001
7,252,226 System and method for using a prepaid card 50 2002
7,359,880 System and method for consumer control over card-based transactions 43 2005
2008/0005,018 Systems And Methods For Implementing Direct Issuer - Merchant Relationships Over A General Purpose Bankcard Network 33 2007
2008/0230,600 METHOD, SYSTEM, AND APPARATUS FOR CONDUCTING A PURCHASE TRANSACTION 32 2007
 
III HOLDINGS 1, LLC (13)
6,581,839 Transaction card 188 2000
2001/0054,003 System and method for using loyalty points 336 2001
2002/0026,416 System and method for account reconciliation 54 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 65 2002
6,764,014 Transaction card 110 2002
7,606,730 System and method for a multiple merchant stored value card 42 2002
6,845,906 System and method for selecting financial services 39 2003
2005/0021,353 DONATION SYSTEM AND METHOD 57 2004
2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE 76 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 142 2004
7,070,095 Foldable transaction cards and methods of making the same 60 2004
7,156,301 Foldable non-traditionally-sized RF transaction card system and method 52 2005
7,506,806 Smartcard transaction method and system using fingerprint recognition 39 2007
 
INTER*ACT SYSTEMS, INCORPORATED (13)
* 5,201,010 Method and system for building a database and performing marketing based upon prior shopping history 390 1992
5,237,620 Check reader method and system for reading check MICR code 231 1992
5,305,196 Check transaction processing, database building and marketing method and system utilizing automatic check reading 220 1992
5,327,508 Method and system for building a database and performing marketing based upon prior shopping history 203 1993
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 542 1993
* 5,388,165 Method and system for building a database and performing marketing based upon prior shopping history 210 1994
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 429 1994
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 342 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 332 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 381 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 274 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 301 1995
6,351,735 Check transaction processing, database building and marketing method and system utilizing automatic check reading 123 1996
 
FIRST DATA CORPORATION (11)
7,050,996 Method for linking accounts corresponding to different products together to create a group 76 1999
7,076,465 Methods for processing a group of accounts corresponding to different products 62 1999
6,490,568 Automated system and method for monitoring financial transactions 113 1999
6,978,369 Person-centric account-based digital signature system 88 2001
2004/0049,452 Multiple credit line presentation instrument 93 2002
7,069,244 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 28 2002
2004/0088,238 Method and system for monitoring electronic transactions 42 2002
2003/0120,571 Authorizing transactions associated with accounts 48 2002
2003/0182,218 Chasing rewards associated with accounts 68 2003
2006/0036,543 Creating groups of linked accounts 50 2005
* 2006/0116,955 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 25 2006
 
FUJITSU LIMITED (11)
5,097,115 Transaction authentication system 118 1989
5,481,094 Point-of-sale terminal 189 1994
6,003,762 Transaction terminal for an electronic cashless system 252 1994
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 391 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 40 2001
2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 79 2002
2005/0114,883 Information providing method, information providing apparatus, and computer-readable recording medium with information providing program recorded thereon 42 2004
2005/0060,260 Payment system, payment apparatus, and payment program storage medium 35 2004
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 86 2004
2005/0119,979 Transaction system and transaction terminal equipment 56 2004
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (9)
D437882 Transaction card 56 1999
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 85 2002
2010/0030,675 Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method 26 2002
7,072,864 Customer activated multi-value (CAM) card 127 2003
7,051,925 System and method for funding a collective account by use of an electronic tag 103 2004
D530741 Transparent transaction card 42 2004
2006/0259,364 System and method for granting promotional rewards to credit account holders 95 2006
2009/0265,275 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 27 2009
2009/0271,853 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 23 2009
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (9)
5,412,192 Radio frequency activated charge card 248 1993
5,483,445 Automated billing consolidation system and method 419 1993
5,684,291 Refundable prepaid telephone card 149 1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 247 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 106 1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 288 1996
5,988,509 Refundable prepaid telephone card 159 1997
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 149 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 172 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (8)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 116 1999
D449336 Card with a blue ornamental rectangle 50 1999
6,742,704 Multiple-service card system 89 2001
2003/0023,549 Consolidated payment account system and method 120 2002
7,530,491 Metal-containing transaction card and method of making the same 31 2003
7,588,184 Metal-containing transaction card and method of making the same 40 2005
7,494,057 Metal-containing transaction card and method of making the same 34 2007
2009/0230,195 METAL-CONTAINING TRANSACTION CARD AND METHOD OF MAKING THE SAME 28 2009
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 476 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 296 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 245 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 286 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 520 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 596 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 297 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 612 1997
 
PRIVASYS, INC. (8)
6,592,044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 251 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 211 2000
7,195,154 Method for generating customer secure card numbers 138 2001
2003/0061,168 Method for generating customer secure card numbers 20 2001
2003/0061,168 Method for generating customer secure card numbers 20 2001
2003/0061,168 Method for generating customer secure card numbers 20 2001
2003/0061,168 Method for generating customer secure card numbers 20 2001
2007/0215,688 Method for Generating Customer Secure Card Numbers 32 2007
 
XATRA FUND MX, LLC (8)
7,239,226 System and method for payment using radio frequency identification in contact and contactless transactions 82 2002
6,805,287 System and method for converting a stored value card to a credit card 132 2002
7,249,112 System and method for assigning a funding source for a radio frequency identification device 82 2002
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 62 2004
7,228,155 System and method for remotely initializing a RF transaction 74 2004
7,493,288 RF payment via a mobile device 57 2004
7,312,707 System and method for authenticating a RF transaction using a transaction account routing number 63 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 101 2004
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
5,247,190 Electroluminescent devices 1099 1990
5,401,827 Semiconductive copolymers for use in luminescent devices 121 1991
5,399,502 Method of manufacturing of electrolumineschent devices 540 1993
5,512,654 Semiconductive copolymers for use in luminescent devices 107 1994
5,672,678 Semiconductive copolymers for use in luminescent devices 129 1995
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 141 1995
5,807,627 Electroluminescent devices 158 1997
 
WALKER DIGITAL, LLC (7)
5,970,478 Method, apparatus, and program for customizing credit accounts 198 1997
6,018,718 Method and system for processing customized reward offers 341 1997
6,163,771 Method and device for generating a single-use financial account number 253 1997
5,999,596 Method and system for controlling authorization of credit card transactions 185 1998
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 156 1999
6,374,230 Method, apparatus and program for customizing credit accounts 133 1999
2002/0165,771 Method and apparatus for establishing prices for a plurality of products 109 2001
 
ACS State & Local Solutions, Inc. (6)
5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 137 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 181 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 79 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 78 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 75 2002
2004/0064,332 Systems and methods for electronically processing government sponsored benefits 32 2003
 
ASSA ABLOY AB (6)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol 91 1995
5,737,421 System for controlling access to a function having clock synchronization 122 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 198 1996
5,887,065 System and method for user authentication having clock synchronization 177 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 166 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 114 2000
 
BANK OF AMERICA CORPORATION (6)
5,826,243 Integrated system for controlling master account and nested subaccount(s) 318 1994
6,016,482 Enhanced collateralized funding processor 319 1996
2003/0040,959 Method and apparatus for conducting transactions on an automated teller machine 109 2001
2003/0229,525 System and methods for integrated compliance monitoring 69 2002
2005/0289,044 METHOD AND SYSTEM FOR DEBT PROTECTION OR CANCELLATION 45 2004
2009/0048,972 System and Method for an Emergency Reserve During a Covered Event Using Actuarial Data 29 2007
 
KABUSHIKI KAISHA TOSHIBA (6)
4,931,623 Portable storage medium 52 1988
5,055,662 Portable information record medium having liquid crystal and photoconductive layers 170 1989
5,180,901 IC card with individual authentication function 241 1991
5,710,458 Card like semiconductor device 162 1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications 143 1997
D427167 Adapter for an IC card 41 1999
 
NCR CORPORATION (6)
4,634,845 Portable personal terminal for use in a system for handling transactions 291 1984
4,689,478 System for handling transactions including a portable personal terminal 274 1984
5,619,558 ATM segment of one marketing method 219 1995
5,770,843 Access card for multiple accounts 336 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 505 1998
6,456,981 Method and apparatus for displaying a customized advertising message with a retail terminal 135 2000
 
PHOENIX LICENSING, LLC (6)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 459 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 322 1997
6,999,938 Automated reply generation direct marketing system 86 1999
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 151 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 127 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 123 2003
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
5,218,631 Telephonic-interface game control system 166 1990
5,365,575 Telephonic-interface lottery system 185 1991
5,553,120 Telephonic-interface game control system 124 1993
5,349,633 Telephonic-interface game control system 134 1994
5,787,156 Telephonic-interface lottery system 162 1994
5,835,576 Telephonic-interface lottery device 173 1997
 
SIGNATURE SYSTEMS LLC (6)
6,594,640 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 236 2000
6,947,898 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 110 2003
6,820,061 Method and system for exchange and aggregation of reward points via a global computer network 111 2003
6,829,586 Method and system for aggregation of reward points for payment of auctioned items 112 2003
6,842,739 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 112 2003
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points 188 2004
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 100 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 130 1999
6,434,259 Method of providing secure user access 113 1999
6,429,927 Imaging device, especially for optical fingerprinting 106 1999
6,498,861 Biometric security encryption system 112 2000
 
AT&T CORP. (5)
6,192,113 Method and apparatus for phone card billing 55 1995
5,675,607 Method and apparatus for facilitating the making of card calls 115 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 181 1995
6,024,286 Smart card providing a plurality of independently accessible accounts 178 1997
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 109 1998
 
AT&T IPM CORP. (5)
5,479,494 Virtual calling card system 265 1992
5,450,491 Authenticator card and system 119 1993
5,450,477 Monitoring of charges debited to an account having an assigned limit 156 1993
5,541,583 Arrangement for interrogating portable data communication devices 149 1995
5,708,422 Transaction authorization and alert system 455 1995
 
BRADY WORLDWIDE, INC. (5)
D466929 Security pass 63 2002
D467271 Security pass 61 2002
D467272 Security pass 59 2002
D474235 Security pass 81 2002
D477359 Security pass 72 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 171 1998
6,032,136 Customer activated multi-value (CAM) card 416 1998
6,615,190 Sponsor funded stored value card 216 2000
6,865,547 Customer activated multi-value (CAM) card 148 2000
6,892,187 Debit purchasing of stored value card for use by and/or delivery to others 63 2003
 
CHASE MANHATTAN BANK, THE (5)
5,819,234 Toll collection system 199 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 217 1997
6,167,385 Supply chain financing system and method 196 1998
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 449 2000
2002/0095,365 Corporate products trading marketplace 129 2001
 
GENERAL ELECTRIC COMPANY (5)
4,845,347 Transaction system 73 1986
5,696,907 System and method for performing risk and credit analysis of financial service applications 289 1995
5,991,743 System and method for proactively monitoring risk exposure 142 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 155 1998
6,675,127 Computerized systems and methods for managing project issues and risks 88 2001
 
GIESECKE & DEVRIENT GMBH (5)
6,343,743 Method of checking authenticity of a data carrier 74 1998
6,382,677 Security element and method for producing same 37 1999
6,726,813 Security device and method for producing it 28 2002
7,479,320 Security element and method for producing the same 32 2002
7,503,503 Card laminate 26 2005
 
LUCENT TECHNOLOGIES INC. (5)
5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 393 1993
5,608,785 Method and apparatus for telephone prize opportunities 154 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 495 1994
5,857,079 Smart card for automatic financial records 316 1994
5,729,693 System and method to automatically provide an electronic consumer rebate 245 1996
 
MICROSOFT CORPORATION (5)
5,852,812 Billing system for a network 546 1995
5,721,781 Authentication system and method for smart card transactions 591 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 662 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 565 1997
2001/0037,315 System and method for secure distribution of information via eMail 99 2000
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 277 1998
6,068,183 Chip card system 197 1998
5,931,764 Wearable device with flexible display 184 1998
6,402,039 Flexible chip card with display 174 1999
6,450,407 Chip card rebate system 356 2000
 
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card 168 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 52 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 51 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 50 2007
 
COIN, INC. (4)
2006/0249,574 Automated payment card fraud detection and location 63 2006
D562888 Payment card with a full pan display 31 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 80 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 59 2006
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (4)
5,777,305 Package assembly and method for activating prepaid debit cards 281 1996
6,575,361 System and method for managing stored-value card data 121 2000
7,083,084 System and method for managing stored-value card data 65 2003
D533220 Card assembly with vertical magnetic stripes 71 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 114 1996
5,770,849 Smart card device with pager and visual image display 153 1996
5,734,154 Smart card with Iintegrated reader and visual image display 185 1996
5,789,733 Smart card with contactless optical interface 286 1996
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (4)
5,999,624 Remote financial transaction system 232 1996
7,275,160 Trusted system 25 2001
2003/0046,542 Method and apparatus for using a secret in a distributed computing system 36 2001
6,732,919 System and method for using a multiple-use credit card 148 2002
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems 69 2002
D490840 Proximity interface for transaction acceptance systems 56 2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems 61 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 54 2003
 
MITSUBISHI DENKI KABUSHIKI KAISHA (4)
4,928,001 Secret information preserving system for a multiple issuer IC card 175 1988
5,202,286 Method of forming three-dimensional features on substrates with adjacent insulating films 76 1991
6,045,042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption 101 1992
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards 182 1995
 
SONY ELECTRONICS INC. (4)
6,595,342 Method and apparatus for a biometrically-secured self-service kiosk system for guaranteed product delivery and return 92 2000
2002/0070,976 Selectively disclosing and teaching previously unused features in a multi-function system 23 2000
2002/0073,042 Method and apparatus for secure wireless interoperability and communication between access devices 51 2000
2002/0147,683 Method for purchasing web based digital media 32 2001
 
VERIZON PATENT AND LICENSING INC. (4)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 224 1995
5,621,787 Prepaid cash card 291 1995
6,507,644 Pre-paid telephone calling card linked to a stored value account 100 1999
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 90 2001
 
BMC RESOURCES, INC. (3)
5,652,786 Automated interactive bill payment system 269 1996
5,715,298 Automated interactive bill payment system using debit cards 210 1997
5,870,456 Automated interactive bill payment system using debit cards 233 1997
 
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system 167 1997
6,278,996 System and method for message process and response 100 1998
6,411,947 Automatic message interpretation and routing system 133 1998
 
CAPITAL ONE FINANCIAL CORPORATION (3)
5,933,817 Tiered interest rate revolving credit system and method 239 1996
2002/0156,723 System and method for providing extra lines of credit 97 2001
2003/0074,290 Methods, systems and articles of manufacture for managing delinquent financial accounts 59 2002
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (3)
* 4,723,212 Method and apparatus for dispensing discount coupons 482 1987
4,910,672 Method and apparatus for dispensing discount coupons 491 1987
5,173,851 Method and apparatus for dispensing discount coupons in response to the purchase of one or more products 521 1990
 
DECISIONING.COM, INC. (3)
5,870,721 System and method for real time loan approval 663 1996
5,940,811 Closed loop financial transaction method and apparatus 525 1996
6,105,007 Automatic financial account processing system 433 1999
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (3)
6,315,195 Transaction apparatus and method 242 1998
2003/0217,005 Automated banking machine system and method 107 2003
7,025,256 Automated banking machine system and method 73 2004
 
DIEBOLD, INCORPORATED (3)
7,039,600 ATM customer marketing system 64 1999
2002/0133,461 Automated banking machine processing system and method 48 2002
2005/0216,888 Method of developing automated banking machine instructions 49 2005
 
EBAY INC. (3)
6,267,292 Method and apparatus for funds and credit line transfers 277 1999
7,047,222 Secure encryption of data packets for transmission over unsecured networks 37 2000
2005/0171,842 Method and system for incentivizing the promotion of a payment service 42 2004
 
GENERAL ELECTRIC CAPITAL CORPORATION (3)
6,856,973 Methods and systems for assessing creditworthiness of a country 81 1999
6,970,830 Methods and systems for analyzing marketing campaigns 133 1999
7,392,221 Methods and systems for identifying early terminating loan customers 37 2001
 
GENWORTH HOLDINGS, INC. (3)
6,912,502 System and method for compliance management 100 1999
7,398,241 Method and system for portable retirement investment 77 2001
2002/0194,098 System and method for guaranteeing minimum periodic retirement income payments using an adjustment account 83 2002
 
GILBARCO INC. (3)
6,078,888 Cryptography security for remote dispenser transactions 222 1997
6,574,603 In-vehicle ordering 167 1998
6,089,284 Preconditioning a fuel dispensing system using a transponder 114 1998
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 208 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 172 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 179 1998
 
MICRO ENHANCEMENT INTERNATIONAL (3)
5,857,175 System and method for offering targeted discounts to customers 539 1995
6,484,146 System for offering targeted discounts to customers and collecting purchasing behavior data 85 1997
7,024,374 Targeted marketing and purchase behavior monitoring system 74 2000
 
NEXTCARD, LLC (3)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 376 1998
6,405,181 Method and apparatus for real time on line credit approval 298 1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 150 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4,746,787 IC card with display and card recording and reading device 139 1985
5,146,068 System for authenticating an authorized user of an IC card 93 1990
6,338,048 Electronic transaction system 110 1999
 
Omron Tateisi Electronics Co. (3)
* 4,736,094 Financial transaction processing system using an integrated circuit card device 211 1985
4,851,650 Transaction processing apparatus having a plurality of bank account numbers 47 1985
* 5,140,517 IC card with keyboard for prestoring transaction data 89 1990
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 137 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 175 1996
5,825,871 Information storage device for storing personal identification information 181 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 332 1995
5,806,044 System and method for distributing coupons through a system of computer networks 365 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 175 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 273 1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 111 1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 104 2001
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (3)
5,949,044 Method and apparatus for funds and credit line transfers 349 1997
6,227,972 Method and apparatus for expiration of prepaid slot machine plays 179 1997
6,128,599 Method and apparatus for processing customized group reward offers 409 1997
 
ACCENTURE GLOBAL SERVICES LIMITED (2)
7,167,844 Electronic menu document creator in a virtual financial environment 244 1999
6,895,383 Overall risk in a system 85 2002
 
ALEXSAM, INC. (2)
6,000,608 Multifunction card system 387 1997
6,189,787 Multifunctional card system 428 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 565 1995
5,960,411 Method and system for placing a purchase order via a communications network 1342 1997
 
Bancorp Services, L.L.C. (2)
5,999,917 Automated system for managing a non-qualified deferred compensation plan 90 1996
5,926,792 System for managing a stable value protected investment plan 127 1998
 
BLOCK FINANCIAL LLC (2)
6,014,645 Real-time financial card application system 429 1996
7,310,617 Real-time financial card offer and application system 69 1999
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 112 1989
5,080,748 Card assembly apparatus 169 1990
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 695 1994
5,884,271 Device, system and methods of conducting paperless transactions 492 1996
 
Call Processing, Inc. (2)
5,511,114 Telephone pre-paid calling card system and method 321 1994
5,721,768 Pre-paid card system and method 314 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (2)
6,014,634 System and method for providing shopping aids and incentives to customers through a computer network 627 1997
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 405 1997
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
5,744,787 System and method for retail 137 1995
6,065,675 Processing system and method for a heterogeneous electronic cash environment 298 1998
 
CASIO COMPUTER CO., LTD. (2)
4,754,418 Combined electronic calculator and credit card 132 1985
4,697,072 Identification card and authentication system therefor 120 1985
 
CHECKFREE CORPORATION (2)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 625 1991
6,289,322 Electronic bill processing 361 1998
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 471 1997
6,188,309 Method and apparatus for minimizing credit card fraud 112 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 105 1998
6,913,193 Method and system of tracking and providing an audit trail of smart card transactions 35 1999
 
CUBIC CORPORATION (2)
6,655,587 Customer administered autoload 48 2002
2006/0261,927 Smart card receiver and system for pulsed RF fields 33 2006
 
Data Medi-Card, Inc. (2)
4,575,127 Medical data card having internal illumination 33 1985
4,648,189 Laminated medical data card 71 1985
 
DELIVERM CONSULTING B.V., LLC (2)
7,401,049 System and method for a prepaid card issued by a foreign financial institution 24 2002
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability 106 2003
 
EVERY PENNY COUNTS, INC. (2)
6,112,191 Method and system to create and distribute excess funds from consumer spending transactions 302 1995
6,876,971 Funds distribution system connected with point of sale transaction 87 2000
 
Exxon Research and Engineering Company (2)
5,072,380 Automatic vehicle recognition and customer billing system 171 1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 160 1993
 
Financial Engineering Associates, Inc. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading 260 1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination 111 1998
 
FIRST USA (2)
D493195 Transaction card 43 2000
D481068 Translucent transaction card 60 2000
 
FIRST USA BANK, N.A. (2)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 226 1998
6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium 196 1999
 
GLOBAL SECURITY TECHNOLOGIES, INC. (2)
6,655,598 Methods of creating a tamper resistant informational article 32 2000
6,715,797 Methods of creating a tamper resistant informational article 54 2002
 
HEWLETT-PACKARD COMPANY (2)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 314 1990
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 559 1996
 
IBBOTSON ASSOCIATES, INC. (2)
7,216,099 Automatically allocating and rebalancing discretionary portfolios 28 2002
7,120,601 Optimal asset allocation during retirement in the presence of fixed and variable immediate life annuities (payout annuities) 60 2002
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 123 2002
2004/0243,498 Interest bearing gift card mechanisms 92 2004
 
IGT (2)
6,377,669 Method and apparatus for awarding and redeeming prepaid telephone time 84 1998
6,558,255 Method and apparatus for expiration of prepaid slot machine plays 89 2001
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 213 1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data 273 1997
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 136 1997
6,095,412 Host and user transaction system 148 1997
 
Intellicard International, Inc. (2)
4,614,861 Unitary, self-contained card verification and validation system and method 591 1984
4,707,594 Unitary, self-contained consumer transaction card 72 1985
 
INTERMEC IP CORP. (2)
5,557,092 Apparatus and method for 16-bit and numeric data collection using bar code symbologies 38 1994
6,529,880 Automatic payment system for a plurality of remote merchants 187 1999
 
JET LITHOCOLOR, INC. (2)
6,491,782 Method of producing foil laminate with double-sided printing 42 2000
6,924,026 Foil laminate credit card and method of producing foil laminate credit card with double-sided printing 23 2002
 
LEIGHTON TECHNOLOGIES LLC (2)
6,036,099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom 228 1997
6,557,766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process 80 2000
 
LEVEL Z, L.L.C. (2)
2002/0091,649 System and method providing stored value payment in multiple level enterprise 38 2001
2002/0165,820 Prepaid electronic cash system with pin vending machines 87 2001
 
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers 103 1994
6,295,344 Telephone travel card system under the control of its customers 47 1998
 
MONEYFAX, INC. (2)
4,454,414 Funds transfer system using optically coupled, portable modules 454 1982
* 5,122,950 Method of and system for electronic funds transfer via facsimile machines 166 1989
 
MOORE NORTH AMERICA, INC. (2)
5,760,381 Prepaid card 231 1996
2002/0046,089 Targeted advertising brochure and method for its use 73 2000
 
MOTOROLA MOBILITY LLC (2)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 265 1996
6,265,977 Radio frequency identification tag apparatus and related method 353 2000
 
NANJI, ANVAR (2)
5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower 308 1992
5,797,133 Method for automatically determining the approval status of a potential borrower 321 1997
 
OFFSHORE BENEFITS, LLC (2)
6,411,939 Computer-aided method, machine, and products produced thereby, for illustrating a replacement of a benefit plan that is viable at one location but not viable at the location of the replacement 79 1999
2003/0078,815 Method for generating a study of a benefit plan for international employees of an outsourced client 38 2002
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 296 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 275 1996
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,948,174 Financial data processing system 287 1989
5,121,945 Financial data processing system 277 1990
 
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions 213 1996
6,295,522 Stored-value card value acquisition method and apparatus 203 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 1617 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 489 1997
 
SEIKO EPSON CORPORATION (2)
6,961,710 Method for billing for advertisements printed on check-out receipts 44 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 49 2003
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 476 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 521 1995
 
SONY CORPORATION (2)
5,845,260 System and method for parent-controlled charging for on-line services 241 1996
6,942,156 Noncontact IC card 50 2001
 
Swychco Support Services Pty. Ltd. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 352 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 224 1997
 
Tamura Electric Works, Ltd. (2)
5,546,446 Public telephone system using a prepaid card to enable communication 49 1994
5,563,934 Pay phone call control apparatus for allowing calls using pre-paid cards 47 1995
 
TELETOUCH COMMUNICATIONS, INC. (2)
7,252,223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 72 2005
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 46 2005
 
THIRD ACT LLC (2)
6,044,360 Third party credit card 329 1997
2004/0093,303 Third party debit card 106 2003
 
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management 125 2001
2002/0111,916 Payment management 86 2001
 
U.S. PHILIPS CORPORATION (2)
4,380,699 Portable, identifying element constructed as a lamination of sheets 66 1981
4,465,206 Device for the simultaneous mounting of components on a carrier 78 1983
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 107 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 57 2004
 
YT ACQUISITION CORPORATION (2)
5,805,719 Tokenless identification of individuals 406 1997
6,192,142 Tokenless biometric electronic stored value transactions 92 1999
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card 80 1998
 
A.W. Faber-Castel U.S.A. (1)
6,484,428 Double-sided magnet with graphical image on each side 52 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 84 2005
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 702 1996
 
Adhesives Technology Corporation 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack 62 1991
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 593 1995
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6,138,911 In-store points redemption system and method 221 1999
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 305 1997
 
Alfi S.r.l. (1)
6,045,050 Prepaid or stored-value card with means for preventing useful fraudulent alteration 48 1998
 
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method 170 2001
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 68 2004
 
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 276 1995
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 193 1994
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 98 2004
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 344 1981
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 105 2001
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 157 1992
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 346 2000
 
ARJO WIGGINS SECURITY SAS (1)
7,128,272 Method for making an article comprising a sheet and at least an element directly mounted thereon 28 2002
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 168 1998
 
ASSET TRUST, INC. (1)
2008/0027,841 System for integrating enterprise performance management 71 2002
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 46 2004
 
Assured Equities, Inc. (1)
6,064,985 Automated portfolio management system with internet datafeed 279 1998
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 144 1985
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 322 1993
 
ATTITUDE MEASUREMENT CORPORATION (1)
5,489,123 Packaging label including pre-approved incentive card 70 1995
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 321 1994
 
BANK OF MONTREAL (1)
2003/0167,218 Modular financial service instrument 32 2002
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 192 1998
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 262 1997
 
Blane, Canada Ltd. (1)
6,757,660 Method for analyzing information to provide an objective assessment of a predefined subject 51 1999
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 453 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 174 1999
 
BRIDGEPOINT SYSTEMS, INC. (1)
5,936,221 Smart card system and method for transferring value 141 1997
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1433 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 123 1997
 
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities 76 2002
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 109 1988
 
BULL S.A. (1)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment 95 1991
 
BUTCHER, GEORGE H., III (1)
7,266,524 Method, software program, and system for isolating risk in a financial transaction 17 2000
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 211 1996
 
CANON KABUSHIKI KAISHA (1)
D305887 Optically stored data card 101 1988
 
CAR POINT KOREA CO., LTD. (1)
2001/0044,733 Method and system for processing automobile insurance of a prepaid type according to driving distance and time of vehicle 73 2000
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 397 1990
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 44 2005
 
Cash Technologies, Inc. (1)
6,308,887 Multi-transactional architecture 331 1999
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 455 1995
 
CHARITABLE PROPERTY DONATIONS (1)
2007/0203,825 SYSTEMS AND METHODS FOR ENABLING CHARITABLE CONTRIBUTIONS FROM PROPERTY 26 2004
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 119 1999
 
CITRIX SYSTEMS, INC. (1)
6,886,046 Methods and apparatus for extendible information aggregation and presentation 67 2001
 
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 160 1995
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 215 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 99 1994
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 116 2001
 
Computerized Data Ssytems for Mfg., Inc. (1)
5,049,728 IC card system with removable IC modules 225 1990
 
CONSTELLATION TECHNOLOGIES LLC (1)
6,021,189 System for controlling usage of phone debit cards 52 1997
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 471 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 46 2004
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 396 1984
 
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 326 1991
 
Creative Games International, Inc. (1)
6,134,309 Pre-paid phone card system with promotional link 107 1997
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 74 2002
 
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system 547 1994
 
CYARCH, LLC (1)
2003/0167,220 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 41 2001
 
CYBERSETTLE.COM, INC. (1)
6,954,741 Computerized dispute resolution system and method 65 1999
 
Dai Nippon Insatsu Kabushiki Kaisha (1)
4,856,857 Transparent reflection-type 262 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 115 1996
 
DATATREASURY CORPORATION (1)
5,787,403 Bank-centric service platform, network and system 309 1995
 
DATAWAVE SYSTEMS, INC. (1)
6,659,259 Multiple denomination currency receiving and prepaid card dispensing method and apparatus 72 2001
 
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 446 1993
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6,105,009 Automated teller machine dispenser of debit cards 116 1998
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 182 2000
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 141 1999
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 333 1989
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 98 2001
 
Dittler Brothers Incorporated (1)
4,817,949 Automated teller machine transaction receipts with integral promotional game 53 1987
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 292 2000
 
DS-IQ, INC. (1)
6,330,543 Method and system for distributing and reconciling electronic promotions 231 1998
 
DUBINSHIRE LTD., LLC (1)
6,886,741 Electronic transaction system 43 2004
 
E-Scoring, Inc. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants 181 2000
 
e-Vantage International, Inc. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market 226 2001
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 113 2000
 
EASTMAN KODAK COMPANY (1)
7,063,924 Security device with patterned metallic reflection 42 2002
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 409 1996
 
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations 76 1989
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1409 1995
 
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll 40 2004
 
Executing the Numbers, Inc. (1)
6,119,097 System and method for quantification of human performance factors 112 1997
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 578 1996
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 344 1998
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 129 2002
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 736 1995
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
2004/0128,195 System and method for processing transactions 42 2003
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 989 1995
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 715 1987
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 165 1984
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 76 2000
 
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections 136 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 215 1997
 
Freddie Mac (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 59 2004
 
FUTURELOGIC, INC. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment 48 2005
 
G & D CARDTECH, INC. (1)
6,644,551 Card 81 2001
 
GALAXIA COMMUNICATIONS INC. (1)
6,793,135 Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards 66 2001
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 420 1997
 
GEMALTO SA (1)
5,901,303 Smart cards, systems using smart cards and methods of operating said cards in systems 154 1996
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 78 2005
 
GENWORTH FINANCIAL, INC. (1)
2004/0172,350 System and method for cross funding of multiple annuity contracts 76 2002
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 182 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 62 1990
 
GOLDENSOURCE CORPORATION (1)
6,513,019 Financial consolidation and communication platform 306 1999
 
GOLDMAN, SACHS & CO. (1)
2004/0024,693 Proprietary risk management clearinghouse 64 2003
 
GOOGLE TECHNOLOGY HOLDINGS LLC (1)
6,105,006 Transaction authentication for 1-way wireless financial messaging units 102 1997
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 188 2003
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 56 2004
 
GROUPON, INC. (1)
6,327,573 Multiple party reward system utilizing single account 262 1998
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1212 1989
 
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 332 1990
 
HE, KAI-CHIEN (1)
6,581,845 Chip-base plastic currency with cash amount loading function 23 2001
 
HITACHI CAPITAL CORPORATION (1)
* 2002/0029,191 Settlement system with IC card, IC card, method of settlement 25 2001
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 133 1997
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 476 1996
 
IN-STORE BROADCASTING NETWORK, LLC (1)
2005/0234,771 Method and system for providing intelligent in-store couponing 72 2005
 
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head 233 1993
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 227 2003
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 406 1995
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 259 1998
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 122 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 246 1995
 
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card 80 2000
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 242 1987
 
INTERNET PROMISE GROUP, LLC (1)
7,254,560 Method and apparatus for an integrated identity security and payment system 27 2001
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 275 1995
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 150 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 129 1995
 
IVI CHECKMATE CORP. (1)
2002/0165,829 Financial transaction processing system 12 2001
 
IZER INTERNATIONAL, A CORP. OF CA (1)
4,643,452 Business card attaching strip 103 1985
 
J.J. & Associates Inc. (1)
2002/0082,990 Method of invoice presentation and payment 103 2000
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 53 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 273 1990
 
JEFFERSON CAPITAL SYSTEMS, LLC (1)
2005/0102,228 System and method for providing a credit account for debt recovery 45 2003
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 89 2004
 
Juergen Dethloff (1)
4,837,422 Multi-user card system 466 1987
 
K. B., INC. (1)
2009/0250,522 Method and Material for Manufacturing Electrically Conductive Patterns, Including Radio Frequency Identification (RFID) Antennas 23 2006
 
KALINA, DYAN T. (1)
5,970,480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 160 1997
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 137 1998
 
KHAL HEE KWAN (1)
2003/0200,179 METHOD, APPARATUS AND PROGRAM TO MAKE PAYMENT IN ANY CURRENCIES THROUGH A COMMUNICATION NETWORK SYSTEM USING PRE-PAID CARDS 85 1999
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 57 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags 119 2001
 
KOOKMIN CREDIT CARD CO., LTD. (1)
6,705,518 System and method for providing tourism service using RF IC card, and storage medium for storing tourism service algorithm thereof 27 2001
 
KYODO PRINTING CO., LTD. (1)
2009/0242,645 NON-CONTACT TYPE IC CARD 29 2007
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 229 1985
 
LDC Direct Ltd. (1)
6,169,975 Point-of-distribution pre-paid card vending system 168 1997
 
LEAD CORE FUND, L.L.C. (1)
7,216,091 Stored value transaction system including an integrated database server 105 1999
 
LENDINGTREE, LLC (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 274 1998
 
LEONHARD KURZ GMBH & CO. (1)
5,383,687 Value document and embossing foil for the production thereof 105 1993
 
LEVEL A, L.L.C. (1)
6,834,796 Anonymous redemption and stored value system and method 25 2002
 
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method 95 2001
 
Licensys Pty Ltd (1)
D538349 Number plate 51 2005
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment 155 1985
 
LIFEPROXY LLC (1)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 10 2001
 
LIVINGSTON INTERNATIONAL TECHNOLOGY SERVICES CORPORATION (1)
2009/0150,370 System and Method For Restricted Party Screening and Resolution Services 27 2007
 
Lobar Code Inc. (1)
5,665,953 Self-contained personal data collector for redeeming coupons 185 1996
 
LUCKY TAB HOLDINGS, LLC (1)
5,928,082 Voucher and game ticket combination and apparatus and method used therewith 218 1997
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 100 1991
 
M & R Industries, Inc. (1)
* 4,839,504 IC card system compatible with bank account system 167 1987
 
M.A. Rivalto, Inc. (1)
5,482,139 Automated drive-up vending facility 237 1995
 
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 166 1996
 
Marflex International Inc. (1)
5,503,891 Flexible magnet attractant display mat 73 1994
 
Martiz, Inc. (1)
5,689,100 Debit card system and method for implementing incentive award program 414 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 244 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 299 1998
 
Meridian Enterprises, Inc. (1)
5,025,372 System and method for administration of incentive award program through use of credit 623 1989
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 49 2005
 
METLIFE LIFE INSURANCE COMPANY (1)
5,806,047 System for combined pool portfolio 142 1995
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 55 2001
 
MicroBilt Corporation (1)
5,466,920 Real time decoding for card transaction terminal 55 1991
 
Midnight Blue Remote Access LLC (1)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information 346 1999
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 431 1994
 
Minerva, L.P. (1)
5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy 273 1995
 
Mitsubishi Electric Semiconductor Software Co., Ltd. (1)
5,736,728 Non contact IC card and a non contact IC card system 121 1995
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 136 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 146 1999
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 286 1996
 
MoneyAbility Technology, LLC (1)
2006/0085,334 Dynamic financial liability management 91 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 195 1989
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 341 1999
 
MOTOROLA, INC. (1)
6,049,463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same 143 1997
 
MWM CONSULTING GROUP (1)
2004/0088,236 Method and apparatus for investment consulting, benefit projection and investment analysis 89 2002
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 129 1999
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 77 1994
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 71 2001
 
National Business Systems, Inc. (1)
4,866,545 Credit card embossing and recording system 32 1988
 
NEOPOST TECHNOLOGIES (1)
6,227,445 Secure smart card access to pre-paid metering funds in meter 35 1998
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 197 1999
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 186 1997
 
NIPPON CONLUX CO., LTD. (1)
5,409,092 Vending system capable of renewing record of a prepaid card 145 1991
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 82 1997
 
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing 30 2004
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 127 1996
 
OneName Corporation (1)
6,757,710 Object-based on-line transaction infrastructure 218 2002
 
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method 220 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 89 1999
 
OPTIS WIRELESS TECHNOLOGY, LLC (1)
6,070,067 Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks 216 1997
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 218 1998
 
OUTERWALL INC. (1)
6,349,972 Coin-discriminator voucher anti-counterfeiting method and apparatus 85 1999
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 268 1998
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 532 1992
 
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique 85 2001
 
PAPER SYSTEMS, INC. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper 35 2005
 
PASS TECHNOLOGIES, INC. (1)
4,859,837 Portable data carrier incorporating manually presettable processing modes 143 1988
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 242 1989
 
PELIKON LIMITED (1)
6,360,954 Portable cards 123 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 195 1994
 
PERFECT PLASTIC PRINTING CORPORATION (1)
4,938,830 Plastic card and method of fabrication thereof 73 1988
 
PINPOINT INCORPORATED (1)
2001/0014,868 SYSTEM FOR THE AUTOMATIC DETERMINATION OF CUSTOMIZED PRICES AND PROMOTIONS 552 1998
 
PITNEY BOWES INC. (1)
7,461,028 Method and system for authorizing use of a transaction card 32 2001
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 154 2000
 
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions 47 2004
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 374 1998
 
POINTMEDIA CORPORATION (1)
2002/0145,039 Apparatus and method for selling lottery tickets at fuel dispensers 60 2001
 
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 186 2001
 
PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration 40 2001
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2001/0034,684 System and methods for designing group retirement plans 30 2001
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 95 2003
 
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same 117 2006
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 200 1998
 
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making 125 1994
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 318 1996
 
PROPAY USA, INC. (1)
2009/0240,620 SECURE PAYMENT SYSTEM 22 2008
 
PROPAY, INC. (1)
2010/0030,697 END-TO-END SECURE PAYMENT PROCESSES 20 2008
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 124 1997
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 363 1996
 
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions 161 1996
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 100 2001
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 217 1987
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 346 1995
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 109 2000
 
REALSOURCE, INC. (1)
5,732,136 Merchant specific debit card verification system 154 1997
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 132 1997
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 198 2002
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 117 1995
 
Retail Royalty Company (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes 110 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 112 1999
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 67 2002
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 104 1996
 
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module 87 1999
 
ROUNDMEUP, INC. (1)
7,502,758 Creation and distribution of excess funds, deposits, and payments 39 2001
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 108 1990
 
S/B Exchange Enterprises, Inc. (1)
2003/0004,828 Prepaid card authorization and security system 138 2002
 
Safecard ID System, Inc. (1)
6,164,548 Methods of creating a tamper resistant informational article 97 1998
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 130 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 514 1996
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 236 1992
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 132 1988
 
Sigma Computer Research Associates Inc. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 396 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 198 1993
 
SMART TV LLC (1)
5,907,350 Television signal activated interactive smart card system 148 1997
 
SMART-MOVE LIMITED (1)
6,213,392 Card interface for interfacing a host application program to data storage cards 86 1998
 
SmartCard International Inc. (1)
4,868,376 Intelligent portable interactive personal data system 486 1987
 
SOCIETE ANONYME DITE: COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
4,977,501 Fare collection system using microwaves 80 1989
 
Sohwa Laminate Printing Co., Ltd. (1)
4,647,714 Composite sheet material for magnetic and electronic shielding and product obtained therefrom 83 1984
 
SOUND VIEW INNOVATIONS, LLC (1)
6,742,125 Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol 23 1996
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 59 2001
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 369 1997
 
SQN (1)
5,444,794 Check image capture system 245 1993
 
STANDARD & POOR'S FINANCIAL SERVICES LLC (1)
2004/0128,217 Method for assessing the economic earnings performance of a business enterprise 20 2002
 
Starbucks Corporation (1)
2005/0077,350 Dual card 73 2004
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 103 2001
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 483 1984
 
STOCKHAUSEN GMBH (1)
6,344,108 Using a dicarboxylic acid dialkyl ester brightening 29 1999
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 151 2003
 
SUMMIT BANCORP (1)
6,454,647 Method and system for automated collect and win sweepstakes for ATM transactions 41 1999
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 381 1988
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 46 2004
 
SYMBOL TECHNOLOGIES, INC. (1)
5,979,757 Method and system for presenting item information using a portable data terminal 708 1996
 
Taihei Kagaku Seihin Kabushiki Kaisha (1)
4,479,995 Plastic card having metallic luster 45 1982
 
TAIWAN NAME PLATE CO., LTD. (1)
2007/0020,443 Card with a picture-contained mirror surface layer 27 2005
 
TALX CORPORATION (1)
2003/0149,660 Method and system for managing employee access to payroll information 39 2002
 
TAO TECHNOLOGIES, LLC (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet 468 1997
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 64 2003
 
TC LICENSE LTD. (1)
2002/0178,063 Community concept for payment using RF ID transponders 149 2001
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 476 1995
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 581 1986
 
The De La Rue Company PLC (1)
4,747,620 Security card and security card blank 52 1986
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 245 1991
 
THE OHIO STATE UNIVERSITY RESEARCH FOUNDATION (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 97 1997
 
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA (1)
2004/0158,517 Method for maximizing retirement income using financial bridge products and deferred social security income 41 2004
 
The Real Gold Card Company Limited (1)
6,025,283 Charge card 112 1998
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 156 1998
 
The United States of America as represented by the Administrator of the National Aeronautics and Space Administration (1)
6,223,143 Quantitative risk assessment system (QRAS) 99 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 115 1999
 
THOMSON LICENSING (1)
6,999,569 System and method for using a prepaid card 70 2002
 
TOBIN FAMILY EDUCATION AND HEALTH FOUNDATION, THE (1)
6,141,666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 297 1997
 
TOSHIBA BATTERY CO., LTD. (1)
4,777,563 Thin type electronic instrument 70 1987
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 266 1994
 
TOURNAMENT HOLDINGS LTD., L.L.C. (1)
6,048,271 Automated league and tournament device 196 1996
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 346 1986
 
TRANSACT TECHNOLOGIES INCORPORATED (1)
2003/0217,329 Methods and apparatus for creating customized messages for printing on a transaction slip 44 2003
 
TRANSILWRAP COMPANY, INC. (1)
4,545,838 Lamination product and method employing temporary transfer film 133 1983
 
TRINTECH LIMITED (1)
2003/0135,453 Transaction dispute management system and method 30 2002
 
True Resources, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 59 2005
 
TSSI SYSTEMS LIMITED (1)
6,179,211 Method of identifying a data carrier 22 1998
 
TWEETER INTELLECTUAL PROPERTY, LLC (1)
5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 131 1994
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 150 2002
 
UNIFOIL CORPORATION (1)
2008/0187,770 Metallization process and product produced thereby 21 2008
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 176 1994
 
Union State Bank (1)
7,006,992 Risk assessment and management system 127 2000
 
UNISYS CORPORATION (1)
5,187,750 Archival document image processing and printing system 232 1991
 
UNITED PARCEL SERVICE OF AMERICA, INC. (1)
7,184,973 Method and apparatus for communicating order entries in a network environment 49 2001
 
UNIVERSAL INTEGRITY PTY LTD (1)
2005/0108,152 Financial brokering method 50 2004
 
UNIVERSAL INTELLECTUAL PROPERTY HOLDINGS, INC. (1)
2005/0021,457 Financial account up-front incentives management system and method 155 2004
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 238 1994
 
US PHILIPS ELECTRONICS (1)
6,424,029 Chip card 203 2000
 
VALID USA, INC. (1)
6,471,128 Method of making a foil faced financial transaction card having graphics printed thereon and card made thereby 50 2000
 
Value Benefits Insurance Agency, Inc. (1)
2003/0204,421 Integrated system and method for insurance products 72 2002
 
VANTEQ, INC. (1)
7,089,202 Method and system for internet banking and financial services 130 2000
 
VERIFONE, INC. (1)
5,440,108 System and method for dispensing and revalung cash cards 221 1993
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 195 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 110 1998
 
W. & T. Avery Limited (1)
5,352,877 Non-contact transaction system with token presence detection 63 1992
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 419 1995
 
WAY AHEAD IP LLC (1)
5,905,246 Method and apparatus for coupon management and redemption 362 1996
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 332 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 164 1997
 
WEEKS, STEPHEN M. (1)
7,346,567 Conditional fee ownership home financing system and business method 43 2002
 
Weiss Jensen Ellis & Howard (1)
6,144,848 Handheld remote computer control and methods for secured interactive real-time telecommunications 633 1996
 
Welcome Real-Time (1)
6,419,161 Apparatus and method for processing coded information stored on an integrated circuit card 43 2001
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 190 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 123 2002
 
WINBOND ELECTRONICS CORP. (1)
5,877,975 Insertable/removable digital memory apparatus and methods of operation thereof 112 1996
 
WINKLEVOSS TECHNOLOGIES, L.L.C. (1)
2004/0117,202 Method and system for determining benefits 42 2003
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 419 1995
 
XEROX CORPORATION (1)
6,073,160 Document communications controller 158 1996
 
Xtreme Traffic Builders, Inc. (1)
6,557,750 Promotional mailing device 54 2002
 
YALE UNIVERSITY (1)
2003/0110,111 Home equity insurance financial product 71 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 192 1996
 
York Eggleston (1)
6,061,660 System and method for incentive programs and award fulfillment 559 1998
 
YOU TECHNOLOGY, LLC (1)
2002/0174,018 Method, system, and computer readable medium for facilitating a transaction between a customer, a merchant and an associate 64 2001
 
ZIH CORP. (1)
5,680,459 Passive transponder 125 1995
 
ZYNGA INC. (1)
6,006,205 Credit card billing method and system 139 1997
 
Other [Check patent profile for assignment information] (103)
4,338,587 Toll collection system 109 1980
4,582,985 Data carrier 382 1982
4,669,730 Automated sweepstakes-type game 365 1984
4,700,055 Multiple credit card system 329 1985
4,755,661 Connection of electronic components in a card 38 1986
5,025,139 Redeemable coupon disbursement control and reporting system 138 1987
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 343 1989
5,192,947 Credit card pager apparatus 342 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 426 1990
5,206,803 System for enhanced management of pension-backed credit 275 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 528 1991
5,297,026 System for promoting account activity 310 1992
5,359,183 Payment card with display 178 1992
5,326,959 Automated customer initiated entry remittance processing system 376 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 489 1992
5,413,341 Equipment for, and methods of playing, a prize drawing game of chance 50 1993
5,380,046 Secured personal information packet 59 1993
5,774,882 Credit approval system 203 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 162 1993
5,457,305 Distributed on-line money access card transaction processing system 255 1994
* 5,585,787 Programmable credit card 425 1994
5,477,040 Structure for a method of facilitating charge transactions 245 1994
5,748,737 Multimedia electronic wallet with generic card 342 1994
5,745,706 Computer system and related equipment for spending and investment account management 218 1994
5,689,650 Community reinvestment act network 318 1995
5,677,521 Personal identification and credit information system and method of performing transaction 77 1995
5,787,404 Credit-card based retirement fund system and method 209 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 274 1996
5,907,142 Fraud resistant personally activated transaction card 211 1996
5,955,961 Programmable transaction card 371 1996
5,953,710 Children's credit or debit card system 604 1996
5,903,879 Method of managing a loan for funding a pension 91 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 157 1997
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 191 1997
6,142,640 Credit card pocket mirror and miniature billboard 32 1997
5,984,180 Method and system for gift credit card 213 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 254 1997
H1794 Secure money transfer techniques using hierarchical arrangement of smart cards 77 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 177 1997
6,078,891 Method and system for collecting and processing marketing data 259 1997
* 6,085,976 Travel system and methods utilizing multi-application passenger cards 311 1998
6,324,526 System and method for performing secure credit card purchases 137 1999
2002/0059,139 SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION 109 1999
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 283 1999
6,145,741 Universal pre-paid gasoline and travel card 126 1999
6,385,591 Method and system for electronic organization of coupons 278 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 286 1999
2002/0013,751 AUTOMATED SYSTEM FOR MANAGING A NON-QUALIFIED DEFERRED COMPENSATION PLAN 41 1999
6,327,575 Point of sale terminal for the visually impaired 116 2000
6,609,658 Travel system and methods utilizing multi-application traveler cards 125 2000
6,868,426 Virtual document organizer system and method 125 2000
6,409,593 Drawing for winners over the internet 43 2000
6,561,657 Credit card pocket mirror and miniature billboard 74 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 92 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 62 2001
2001/0001,856 Prepaid cash equivalent card and system 124 2001
2002/0099,667 Mehtod and apparatus for making purchases over the internet using pre-paid cards 46 2001
2002/0103,852 System for optimizing investment performance 54 2001
2001/0034,663 Electronic contract broker and contract market maker infrastructure 120 2001
2002/0069,122 Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet 99 2001
2002/0116,330 Wireless communicating credit card 110 2001
2001/0038,033 Unified communications and commerce systems and methods, and device therefore 94 2001
2002/0143,703 Internet cash card 85 2001
2002/0035,527 System for relating investment account information to an investment objective 87 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 186 2001
6,481,125 Combination postcard and peel-off sticker 54 2001
2002/0032,609 Calendar transaction manager agent, systems and methods 70 2001
2002/0019,793 Method and system for implementing a combined investment 70 2001
6,647,374 System and method of assessing and rating vendor risk and pricing of technology delivery insurance 110 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 122 2001
D468789 Wheeled body board 41 2001
6,607,127 Magnetic stripe bridge 201 2001
2002/0065,720 Online promotion redemption control 48 2001
2002/0073,030 Configuration and method for increasing the prepaid amount associated with an electronic prepaid account 21 2001
7,082,416 Method of using prepaid cash card for making purchases on the world wide web 24 2001
2002/0194,081 Internet-based consumer service brand marketing communication system which enables service-providers, retailers, and their respective agents and consumers to carry out service-related functions along the demand side of the retail chain in an integrated manner 141 2002
2002/0120,627 Virtual document organizer system and method 95 2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations 71 2002
2002/0174,016 Multiple accounts and purposes card method and system 176 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 96 2002
D476681 Bank check 52 2002
6,805,289 Prepaid card payment system and method for electronic commerce 69 2002
D476683 Combined bookmark and photograph holder 32 2002
6,942,569 Drawing for winners over the internet using receipts and zipcodes 39 2002
2002/0198,848 Transaction verification system and method 33 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 103 2002
6,727,802 Anti-tear protection for smart card transactions 42 2002
2003/0182,246 Applications of fractal and/or chaotic techniques 96 2003
D485573 Combined business card with bar code, laser punched holes and radio frequency IC 62 2003
2003/0195,842 Method and device for making secure transactions 104 2003
2003/0195,808 Managing retailer product disbursement 89 2003
D495736 Postcard form for maintaining privacy of information contained thereon 54 2003
2004/0024,672 Customer activated multi-value (CAM) card 103 2003
2004/0149,544 Scraping and cleaning device for conveyor belts 63 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 169 2004
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 99 2004
7,051,929 Secure credit card having daily changed security number 141 2004
2005/0086,160 Method for implementing anonymous credit card transactions using a fictitious account name 180 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 197 2004
2005/0167,488 Gaming system using an automated teller machine 37 2005
2006/0131,869 Methods for use in alerting others that animals are in need of care 41 2005
D551705 Magnetic, sandwich-type bookmark 62 2006
2008/0301,041 Method and system for processing financial transactions using multiple financial accounts 32 2007
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
EBAY INC. (7)
8,364,566 Method for managing group finances via an electronic network 1 2008
8,626,650 Gradual conversion of financial accounts 0 2008
8,249,986 Methods and systems of controlling activities of financial accounts 5 2008
8,249,987 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 2 2010
8,732,076 Methods and systems for providing a savings goal 0 2012
8,392,328 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 2 2012
8,666,889 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 0 2013
 
GOOGLE INC. (4)
8,392,261 Local shopping and inventory 2 2011
8,335,722 Local shopping and inventory 2 2011
8,401,904 Real-time payment authorization 5 2012
8,676,709 Merchant category codes in a proxy card transaction 0 2012
 
EWI HOLDINGS, INC. (2)
8,594,286 Systems and methods for personal identification number distribution and delivery 1 2012
8,867,713 Systems and methods for personal identification number distribution and delivery 0 2013
 
CENPOS, INC. (1)
* 8,577,730 Cash management optimization for payment processing 0 2009
 
MIICARD LIMITED (1)
* 8,332,322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts 1 2010
 
ORANGE (1)
* 8,422,652 Device and method for managing communication credits associated to use of services by a terminal 0 2006
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Aug 15, 2014
7.5 Year Payment $3600.00 $1800.00 $900.00 Aug 15, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 15, 2022
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00