Multiple account advanced payment card and method of routing card transactions

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7890422
SERIAL NO

12169898

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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, NY2002

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fellner, Debra C Wilmington, US 11 341
Fox, Steven Newark, US 15 236
Hirka, Jeffrey L Memphis, US 19 500
Knackstedt, Lee Bear, US 17 287

Cited Art Landscape

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6655587 Customer administered autoload 54 2002
2006/0261,927 Smart card receiver and system for pulsed RF fields 36 2006
 
TOBIN FAMILY EDUCATION AND HEALTH FOUNDATION, THE (1)
6141666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 343 1997
 
HE, KAI-CHIEN (1)
6581845 Chip-base plastic currency with cash amount loading function 24 2001
 
SOCIETE ANONYME DITE: COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
4977501 Fare collection system using microwaves 85 1989
 
PRIVASYS, INC. (8)
6592044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 376 2000
6609654 Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions 301 2000
7195154 Method for generating customer secure card numbers 202 2001
2003/0061,168 Method for generating customer secure card numbers 40 2001
2003/0061,168 Method for generating customer secure card numbers 40 2001
2003/0061,168 Method for generating customer secure card numbers 40 2001
2003/0061,168 Method for generating customer secure card numbers 40 2001
2007/0215,688 Method for Generating Customer Secure Card Numbers 33 2007
 
Radisson Hotels International, Inc. (1)
5483444 System for awarding credits to persons who book travel-related reservations 376 1995
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 108 2004
 
HARTFORD LIFE INSURANCE COMPANY (1)
5191522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 353 1990
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5890138 Computer auction system 819 1996
 
Privicom, Inc. (1)
6095416 Method and device for preventing unauthorized use of credit cards 274 1998
 
AMAZON.COM, INC. (2)
5715399 Secure method and system for communicating a list of credit card numbers over a non-secure network 647 1995
5960411 Method and system for placing a purchase order via a communications network 1678 1997
 
BLACKHAWK NETWORK, INC. (1)
5956695 Filter processor and method for implementing a program 285 1997
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4948174 Financial data processing system 314 1989
5121945 Financial data processing system 290 1990
 
BRIGHT RESPONSE, LLC (3)
6182059 Automatic electronic message interpretation and routing system 210 1997
6278996 System and method for message process and response 136 1998
6411947 Automatic message interpretation and routing system 157 1998
 
Morgan Stanley Dean Witter (1)
6092056 Data processing system and method for financial debt instruments 358 1999
 
K. B., INC. (1)
2009/0250,522 Method and Material for Manufacturing Electrically Conductive Patterns, Including Radio Frequency Identification (RFID) Antennas 27 2006
 
BANK OF AMERICA CORPORATION (6)
5826243 Integrated system for controlling master account and nested subaccount(s) 339 1994
6016482 Enhanced collateralized funding processor 344 1996
2003/0040,959 Method and apparatus for conducting transactions on an automated teller machine 120 2001
2003/0229,525 System and methods for integrated compliance monitoring 79 2002
2005/0289,044 METHOD AND SYSTEM FOR DEBT PROTECTION OR CANCELLATION 52 2004
2009/0048,972 System and Method for an Emergency Reserve During a Covered Event Using Actuarial Data 30 2007
 
YT ACQUISITION CORPORATION (2)
5805719 Tokenless identification of individuals 493 1997
6192142 Tokenless biometric electronic stored value transactions 127 1999
 
Minerva, L.P. (1)
5926800 System and method for providing a line of credit secured by an assignment of a life insurance policy 300 1995
 
VESDIA CORPORATION (1)
6345261 Customer loyalty investment program 213 1999
 
BANK OF MONTREAL (1)
2003/0167,218 Modular financial service instrument 34 2002
 
NYTELL SOFTWARE LLC (1)
6886741 Electronic transaction system 55 2004
 
PALM, INC. (1)
5276311 Method and device for simplifying the use of a plurality of credit cards, or the like 682 1992
 
TRINTECH LIMITED (1)
2003/0135,453 Transaction dispute management system and method 32 2002
 
SPENDINGMONEY, LLC (1)
5864830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 401 1997
 
COINSTAR, LLC (1)
2005/0189,427 Coin-discriminator voucher anti-counterfeiting method and apparatus 39 2003
 
PROPAY, INC. (1)
2010/0030,697 END-TO-END SECURE PAYMENT PROCESSES 30 2008
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (5)
6202053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 298 1998
6745938 System and methods for card payment instrument with rebate applied to an insurance premium 110 2002
2010/0030,675 Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method 30 2002
7072864 Customer activated multi-value (CAM) card 148 2003
7051925 System and method for funding a collective account by use of an electronic tag 111 2004
 
NANJI, ANVAR (2)
5239462 Method and apparatus for automatically determining the approval status of a potential borrower 373 1992
5797133 Method for automatically determining the approval status of a potential borrower 380 1997
 
NETVISION, INC. (1)
6467684 Pre-paid card system for purchasing products or services 211 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5544086 Information consolidation within a transaction network 300 1994
 
TSSI SYSTEMS LIMITED (1)
6179211 Method of identifying a data carrier 22 1998
 
PELIKON LIMITED (1)
6360954 Portable cards 132 2000
 
GOEKEN GROUP CORP. (1)
5617474 Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot 67 1990
 
THE WESTERN UNION COMPANY (15)
5326960 Currency transfer system and method 230 1992
5350906 Currency transfer system and method using fixed limit cards 526 1992
5650604 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds 310 1995
2003/0055,780 Method and system for transferring stored value 112 2001
7054842 Stored value cards and methods for their issuance 48 2001
2002/0152,168 Automated transfer with stored value fund 108 2001
2002/0161,702 Money order debit from stored value fund 77 2001
7092916 Electronic identifier payment system and methods 85 2001
6814282 Systems and methods of introducing and receiving information across a computer network 144 2002
7107249 Electronic identifier payment systems and methods 116 2002
2003/0222,136 Stored value education account 91 2002
2003/0130,940 Value transfer systems and methods 120 2002
2003/0130,948 Automated transfer with stored value 125 2003
2003/0135,459 Stored value payouts 129 2003
7315843 Electronic identifier payment systems and methods 56 2006
 
Pitney Bowes Inc. (1)
7461028 Method and system for authorizing use of a transaction card 36 2001
 
HARRISON COMPANY, LLC, THE (1)
6009415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 295 1991
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 138 1999
 
ASSA ABLOY AB (6)
5832090 Radio frequency transponder stored value system employing a secure encryption protocol 104 1995
5737421 System for controlling access to a function having clock synchronization 134 1996
5802176 System for controlling access to a function, using a plurality of dynamic encryption variables 216 1996
5887065 System and method for user authentication having clock synchronization 203 1997
5937068 System and method for user authentication employing dynamic encryption variables 188 1997
6308268 Portable electronic device for safe communication system, and method for initializing its parameters 119 2000
 
APPLE INC. (1)
6484148 Electronic advertising device and method of using the same 478 2000
 
True Resources, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 66 2005
 
KABUSHIKI KAISHA TOSHIBA (6)
4931623 Portable storage medium 54 1988
5055662 Portable information record medium having liquid crystal and photoconductive layers 187 1989
5180901 IC card with individual authentication function 254 1991
5710458 Card like semiconductor device 174 1995
5815658 Portable terminal apparatus for IC card compatible with a plurality of applications 149 1997
D427167 Adapter for an IC card 44 1999
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6366220 RF tag based system and method for drive-through applications 122 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (13)
5717925 Information catalog system with object-dependent functionality 323 1996
5798950 Method and apparatus for estimating durations of activities in forming a current system, based on past durations of activities in forming past systems 71 1996
5796827 System and method for near-field human-body coupling for encrypted communication with identification cards 254 1996
6029144 Compliance-to-policy detection method and system 230 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 45 1998
6278981 Computer-implemented method and apparatus for portfolio compression 272 1998
6567786 System and method for increasing the effectiveness of customer contact strategies 151 1999
6671673 Method for integrated supply chain and financial management 208 2000
2003/0154,125 Pesonalisation of promotional offers 91 2001
6641050 Secure credit card 204 2001
2006/0106,696 Account transfer using a single financial account 51 2004
2006/0289,636 Food card to restrict purchases 26 2005
7306163 Smart card and method for its production 38 2005
 
AT&T IPM CORP. (5)
5479494 Virtual calling card system 286 1992
5450491 Authenticator card and system 139 1993
5450477 Monitoring of charges debited to an account having an assigned limit 161 1993
5541583 Arrangement for interrogating portable data communication devices 157 1995
5708422 Transaction authorization and alert system 542 1995
 
CHARITABLE PROPERTY DONATIONS (1)
2007/0203,825 SYSTEMS AND METHODS FOR ENABLING CHARITABLE CONTRIBUTIONS FROM PROPERTY 29 2004
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5677955 Electronic funds transfer instruments 1089 1995
 
International Card Technologies, Inc. (3)
5883377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 226 1995
5984191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 184 1997
6138917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 195 1998
 
PREVISER CORPORATION (1)
6484144 Method and system for healthcare treatment planning and assessment 169 1999
 
U.S. BANCORP LICENSING, INC. (2)
2002/0111,886 Payment management 152 2001
2002/0111,916 Payment management 103 2001
 
HOME ACCOUNT NETWORK, INC. (8)
4953085 System for the operation of a financial account 495 1987
5911135 System for managing financial accounts by a priority allocation of funds among accounts 331 1991
5864828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation 264 1991
5884285 System for managing financial accounts by reallocating funds among accounts 301 1992
5852811 Method for managing financial accounts by a preferred allocation of funds among accounts 560 1994
5644727 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 712 1994
5911136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 313 1997
5875437 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 718 1997
 
Attitude Measurement Corporation (1)
5489123 Packaging label including pre-approved incentive card 71 1995
 
BLOCK FINANCIAL LLC (2)
6014645 Real-time financial card application system 508 1996
7310617 Real-time financial card offer and application system 116 1999
 
GENWORTH HOLDINGS, INC. (3)
6912502 System and method for compliance management 106 1999
7398241 Method and system for portable retirement investment 80 2001
2002/0194,098 System and method for guaranteeing minimum periodic retirement income payments using an adjustment account 85 2002
 
MIDNIGHT BLUE REMOTE ACCESS LLC (1)
6292786 Method and system for generating incentives based on substantially real-time product purchase information 449 1999
 
BRADY WORLDWIDE, INC. (5)
D466929 Security pass 65 2002
D467271 Security pass 63 2002
D467272 Security pass 61 2002
D474235 Security pass 83 2002
D477359 Security pass 77 2002
 
ZYNGA INC. (1)
6006205 Credit card billing method and system 151 1997
 
SUPERMARKETS ONLINE, INC. (2)
6185541 System and method for providing shopping aids and incentives to customers through a computer network 288 1999
6885994 System and method for providing shopping aids and incentives to customers through a computer network 87 2000
 
PHOENIX LICENSING, LLC (6)
5987434 Apparatus and method for transacting marketing and sales of financial products 509 1996
6076072 Method and apparatus for preparing client communications involving financial products and services 345 1997
6999938 Automated reply generation direct marketing system 93 1999
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 171 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 132 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 125 2003
 
AT&T LABS, INC. (1)
5311594 Fraud protection for card transactions 349 1993
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6105009 Automated teller machine dispenser of debit cards 140 1998
 
Principal Financial Services, Inc. (1)
2001/0034,684 System and methods for designing group retirement plans 33 2001
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6405182 System for dispensing prepaid debit cards through point-of-sale terminals 204 2000
 
The Chubb Corporation (1)
4831526 Computerized insurance premium quote request and policy issuance system 611 1986
 
GENERAL ELECTRIC COMPANY (5)
4845347 Transaction system 76 1986
5696907 System and method for performing risk and credit analysis of financial service applications 350 1995
5991743 System and method for proactively monitoring risk exposure 148 1997
6182048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 169 1998
6675127 Computerized systems and methods for managing project issues and risks 97 2001
 
VERIZON PATENT AND LICENSING INC. (4)
5765138 Apparatus and method for providing interactive evaluation of potential vendors 245 1995
5621787 Prepaid cash card 317 1995
6507644 Pre-paid telephone calling card linked to a stored value account 113 1999
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 100 2001
 
FutureLogic, Inc. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment 54 2005
 
GLOBAL SECURITY TECHNOLOGIES, INC. (2)
6655598 Methods of creating a tamper resistant informational article 32 2000
6715797 Methods of creating a tamper resistant informational article 55 2002
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (6)
5412192 Radio frequency activated charge card 273 1993
5483445 Automated billing consolidation system and method 439 1993
5684291 Refundable prepaid telephone card 154 1995
6115458 Method and apparatus for summaries of prepaid instrument transaction activity 268 1995
6345766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 118 1995
5988509 Refundable prepaid telephone card 162 1997
 
IBGC Corporation (2)
2004/0098,351 Interest bearing gift card and related methods and systems 134 2002
2004/0243,498 Interest bearing gift card mechanisms 98 2004
 
GENERAL ELECTRIC CAPITAL CORPORATION (3)
6856973 Methods and systems for assessing creditworthiness of a country 87 1999
6970830 Methods and systems for analyzing marketing campaigns 150 1999
7392221 Methods and systems for identifying early terminating loan customers 43 2001
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 76 2001
 
DoubleCredit.com, Inc. (1)
6999943 Routing methods and systems for increasing payment transaction volume and profitability 372 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 89 2005
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5777306 Credit card system and method of using credit card with such credit card system 143 1996
 
TGIP, INC. (1)
5577109 Pre-paid card system and method 510 1995
 
TELETOUCH COMMUNICATIONS, INC. (2)
7252223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 83 2005
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 48 2005
 
MWM CONSULTING GROUP (1)
2004/0088,236 Method and apparatus for investment consulting, benefit projection and investment analysis 92 2002
 
FRANCE TELECOM (1)
5991413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 243 1997
 
PROPAY USA, INC (1)
2009/0240,620 SECURE PAYMENT SYSTEM 39 2008
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 57 2005
 
AT&T CORP. (5)
6192113 Method and apparatus for phone card billing 60 1995
5675607 Method and apparatus for facilitating the making of card calls 120 1995
5864609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 191 1995
6024286 Smart card providing a plurality of independently accessible accounts 206 1997
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 117 1998
 
MOORE NORTH AMERICA, INC. (2)
5760381 Prepaid card 248 1996
2002/0046,089 Targeted advertising brochure and method for its use 78 2000
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems 77 2002
D490840 Proximity interface for transaction acceptance systems 61 2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems 65 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 57 2003
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 101 2002
 
VERIFONE, INC. (1)
5440108 System and method for dispensing and revalung cash cards 240 1993
 
Flex Japan Inc. (1)
4789928 Auction information transmission processing 798 1987
 
FITBIT, INC. (4)
2006/0249,574 Automated payment card fraud detection and location 82 2006
D562888 Payment card with a full pan display 32 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 133 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 103 2006
 
LENDINGTREE, LLC (1)
6385594 Method and computer network for co-ordinating a loan over the internet 359 1998
 
GILBARCO INC. (3)
6078888 Cryptography security for remote dispenser transactions 269 1997
6574603 In-vehicle ordering 211 1998
6089284 Preconditioning a fuel dispensing system using a transponder 130 1998
 
KOOKMIN CREDIT CARD CO., LTD. (1)
6705518 System and method for providing tourism service using RF IC card, and storage medium for storing tourism service algorithm thereof 30 2001
 
BUTCHER, GEORGE H., III (1)
7266524 Method, software program, and system for isolating risk in a financial transaction 17 2000
 
Standard & Poor's Financial Services LLC (1)
2004/0128,217 Method for assessing the economic earnings performance of a business enterprise 20 2002
 
Financial Engineering Associates, Inc. (2)
5819237 System and method for determination of incremental value at risk for securities trading 269 1996
6122623 Watershed method for controlling cashflow mapping in value at risk determination 113 1998
 
CATALINA MARKETING CORPORATION (14)
5644723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 501 1994
5832457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 635 1995
5642485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 502 1995
5649114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 609 1995
5687322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 843 1995
5710886 Electric couponing method and apparatus 658 1995
6377935 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 159 1997
6424949 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 217 1997
5974399 Method and apparatus for generating purchase incentives based on price differentials 306 1997
6260758 Promotional financial transaction machine method 72 1998
6336099 Method and system for electronic distribution of product redemption coupons 344 1998
6055573 Communicating with a computer based on an updated purchase behavior classification of a particular consumer 616 1999
6282516 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 167 1999
7398248 System and method for using cards for sponsored programs 50 2002
 
Corpra Research, Inc. (1)
4575621 Portable electronic transaction device and system therefor 452 1984
 
U.S. PHILIPS CORPORATION (2)
4380699 Portable, identifying element constructed as a lamination of sheets 68 1981
4465206 Device for the simultaneous mounting of components on a carrier 80 1983
 
Okemos Agency, Inc. (1)
5839113 Method and apparatus for rating geographical areas using meteorological conditions 134 1996
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5612868 Method and apparatus for dispensing discount coupons 477 1995
 
YOKOGAWA ELECTRIC CORPORATION (1)
5745049 Wireless equipment diagnosis system 212 1996
 
BARTON PATENT 533 LLC (1)
6164533 Point of sale automatic savings program contribution system 212 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4746787 IC card with display and card recording and reading device 146 1985
5146068 System for authenticating an authorized user of an IC card 96 1990
6338048 Electronic transaction system 123 1999
 
US PHILIPS ELECTRONICS (1)
6424029 Chip card 221 2000
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4650981 Credit card with active electronics 181 1984
 
SMART CARD, LLC (2)
5530232 Multi-application data card 529 1993
5578808 Data card that can be used for transactions involving separate card issuers 651 1995
 
Intelligent Ideation, Inc. (1)
6463039 Method and apparatus for full duplex sideband communication 129 1998
 
The United States of America as represented by the Secretary of the Navy (1)
6397202 System and method for monitoring risk in a system development program 121 1999
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (2)
5744787 System and method for retail 150 1995
6065675 Processing system and method for a heterogeneous electronic cash environment 333 1998
 
ACS STATE & LOCAL SOLUTIONS, INC. (1)
7072909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 100 2002
 
Midwest Payment Systems (1)
5649117 System and method for paying bills and other obligations including selective payor and payee controls 459 1994
 
TOSHIBA BATTERY CO., LTD. (1)
4777563 Thin type electronic instrument 71 1987
 
SEIKO EPSON CORPORATION (2)
6961710 Method for billing for advertisements printed on check-out receipts 47 2000
7014110 POS system, network system, method of generating printing data for POS system, and method of managing sales and advertisement information in network system 59 2003
 
Protech Video Security, Inc. (1)
6119932 Identification verification apparatus and method 135 1997
 
FIRST AMERICAN CORELOGIC HOLDINGS, INC. (1)
2006/0122,918 Method and apparatus for testing automated valuation models 51 2004
 
Tradevest, Inc. (1)
4750119 Purchasing system with rebate feature 362 1986
 
ALLSTATE INSURANCE COMPANY (1)
5809478 Method for accessing and evaluating information for processing an application for insurance 284 1995
 
XEROX CORPORATION (1)
6073160 Document communications controller 194 1996
 
BUCHBINDER, SAMUEL (1)
2003/0031,321 System and method for using a smart card for wireless or wired remote gaming activities 88 2002
 
LAAGE, MARIA THERESA, MS (1)
6931382 Payment instrument authorization technique 134 2001
 
IBBOTSON ASSOCIATES, INC. (2)
7216099 Automatically allocating and rebalancing discretionary portfolios 29 2002
7120601 Optimal asset allocation during retirement in the presence of fixed and variable immediate life annuities (payout annuities) 63 2002
 
National Business Systems, Inc. (1)
4866545 Credit card embossing and recording system 32 1988
 
MASTERCARD INTERNATIONAL INCORPORATED (15)
4961142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 507 1988
5557516 System and method for conducting cashless transactions 314 1994
5705798 System and method for processing a customized financial transaction card 277 1994
5692132 System and method for conducting cashless transactions on a computer network 584 1995
5699528 System and method for bill delivery and payment over a communications network 1148 1995
5704046 System and method for conducting cashless transactions 357 1996
6315193 Financial transaction card with installment loan feature 162 1998
6473500 System and method for using a prepaid card 499 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 151 2001
6793131 Financial transaction card with installment loan feature 53 2001
6999569 System and method for using a prepaid card 80 2002
7252226 System and method for using a prepaid card 59 2002
7359880 System and method for consumer control over card-based transactions 59 2005
2008/0005,018 Systems And Methods For Implementing Direct Issuer - Merchant Relationships Over A General Purpose Bankcard Network 38 2007
2008/0230,600 METHOD, SYSTEM, AND APPARATUS FOR CONDUCTING A PURCHASE TRANSACTION 39 2007
 
CONTENTGUARD HOLDINGS, INC. (1)
5530235 Interactive contents revealing storage device 516 1995
 
National Bancard Corporation (1)
5432326 Systems and methods for operating data card terminals for transaction chargeback protection 83 1994
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 61 2001
 
DETHLOFF, JUERGEN (1)
4968873 Smart card issuing and receiving apparatus 357 1989
 
Intellicard International, Inc. (2)
4614861 Unitary, self-contained card verification and validation system and method 697 1984
4707594 Unitary, self-contained consumer transaction card 73 1985
 
UBS FINANCIAL SERVICES INC (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 170 2002
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 70 2002
 
State Street Corporation (1)
2003/0101,119 Verification of net asset values 107 2001
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5806045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 573 1996
 
Juergen Dethloff (1)
4837422 Multi-user card system 509 1987
 
LIVINGSTON INTERNATIONAL TECHNOLOGY SERVICES CORPORATION (1)
2009/0150,370 System and Method For Restricted Party Screening and Resolution Services 28 2007
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6129572 Electrical connector with latch to retain IC card 83 1998
 
FORD MOTOR COMPANY (1)
6901372 Quality operating system 80 2000
 
IDLOYALTY, LLC (1)
6070147 Customer identification and marketing analysis systems 599 1996
 
Cybersettle.com, Inc. (1)
6954741 Computerized dispute resolution system and method 71 1999
 
UNIFOIL CORPORATION (1)
2008/0187,770 Metallization process and product produced thereby 21 2008
 
AT & T TECHNOLOGIES, INC., (1)
4605844 Computerized transaction card with inductive data transfer 153 1985
 
III HOLDINGS 1, LLC (13)
6581839 Transaction card 205 2000
2001/0054,003 System and method for using loyalty points 434 2001
2002/0026,416 System and method for account reconciliation 64 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 74 2002
6764014 Transaction card 125 2002
7606730 System and method for a multiple merchant stored value card 53 2002
6845906 System and method for selecting financial services 42 2003
2005/0021,353 DONATION SYSTEM AND METHOD 63 2004
2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE 85 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 214 2004
7070095 Foldable transaction cards and methods of making the same 64 2004
7156301 Foldable non-traditionally-sized RF transaction card system and method 60 2005
7506806 Smartcard transaction method and system using fingerprint recognition 45 2007
 
BACK PAGES INC. (1)
5513102 Data processing methods of implementing an award to an authorized user of a credit card 350 1994
 
RPX CLEARINGHOUSE LLC (1)
6021189 System for controlling usage of phone debit cards 58 1997
 
Store Financial Services, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 164 2003
 
FACEBOOK, INC. (1)
6014638 System for customizing computer displays in accordance with user preferences 726 1996
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 47 2005
 
TOADER, ADRIAN (1)
5749075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 265 1995
 
W. & T. Avery Limited (1)
5352877 Non-contact transaction system with token presence detection 69 1992
 
TRANSACT TECHNOLOGIES INCORPORATED (1)
2003/0217,329 Methods and apparatus for creating customized messages for printing on a transaction slip 52 2003
 
CITIBANK, N.A. (19)
5453601 Electronic-monetary system 773 1991
5455407 Electronic-monetary system 447 1995
5799087 Electronic-monetary system 263 1995
5710889 Interface device for electronically integrating global financial services 751 1995
5890140 System for communicating with an electronic delivery system that integrates global financial services 350 1995
6058378 Electronic delivery system and method for integrating global financial services 344 1995
6049782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 304 1996
6112190 Method and system for commercial credit analysis 291 1997
6029153 Method and system for analyzing and handling the customer files of a financial institution 130 1997
5920629 Electronic-monetary system 344 1997
5953423 Electronic-monetary system 180 1997
5963648 Electronic-monetary system 245 1997
6047067 Electronic-monetary system 290 1997
6895386 Stock credit card 88 1998
6098053 System and method for performing an electronic financial transaction 512 1999
6349290 Automated system and method for customized and personalized presentation of products and services of a financial institution 349 1999
7051001 System and method for merchant function assumption of internet checking and savings account transactions 47 1999
6601761 Method and system for co-branding an electronic payment platform such as an electronic wallet 183 1999
7092905 Systems and methods for the processing of financial transactions 81 2001
 
GTech Printing Corporation (1)
6134309 Pre-paid phone card system with promotional link 111 1997
 
BLOCKBUSTER L.L.C. (1)
5459306 Method and system for delivering on demand, individually targeted promotions 485 1994
 
PLURIS SAVINGS NETWORKS, LLC (1)
6105865 Financial transaction system with retirement saving benefit 470 1998
 
SWISS REINSURANCE COMPANY (1)
4975840 Method and apparatus for evaluating a potentially insurable risk 401 1988
 
PROGRESS FEDERAL SAVINGS BANK (1)
5495981 Transaction card mailer and method of making 131 1994
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 58 2001
 
RATEZE REMOTE MGMT. L.L.C. (2)
5765141 Computerized merchandising system 315 1995
5870718 Computer-printer terminal for producing composite greeting and gift certificate card 300 1996
 
NIEDZWIECKI, CARL J (1)
6036099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom 256 1997
 
Retail Royalty Company (1)
D408054 Partially transparent card with opaque machine-readable and signature-receiving stripes 125 1997
 
OPEN NETWORK SOLUTIONS, INC. (1)
6366967 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 99 1999
 
Reclaim Technology and Services Limited (1)
6049773 Automated method for identification of reinsurance claims 135 1997
 
PRICELINE.COM LLC (2)
5794207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1836 1996
5897620 Method and apparatus for the sale of airline-specified flight tickets 532 1997
 
ZIH CORP. (1)
5680459 Passive transponder 134 1995
 
DIEBOLD, INCORPORATED (1)
2002/0133,461 Automated banking machine processing system and method 57 2002
 
INTELLECT AUSTRALIA PTY LTD. (2)
6091817 Host and user transaction system 147 1997
6095412 Host and user transaction system 161 1997
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (1)
2003/0217,005 Automated banking machine system and method 155 2003
 
CITICORP DEVELOPMENT CENTER, INC. (1)
6422459 Method and system for off-line loading of stored value cards using a batch-load terminal 108 1998
 
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll 46 2004
 
H-Renee, Incorporated (1)
4992940 System and method for automated selection of equipment for purchase through input of user desired specifications 1321 1989
 
CITICORP CREDIT SERVICES, INC. (USA) (1)
6913193 Method and system of tracking and providing an audit trail of smart card transactions 42 1999
 
Indala Corporation (1)
5382784 Hand-held dual technology identification tag reading head 263 1993
 
THIRD ACT LLC (2)
6044360 Third party credit card 413 1997
2004/0093,303 Third party debit card 128 2003
 
Union State Bank (1)
7006992 Risk assessment and management system 136 2000
 
CISCO TECHNOLOGY, INC. (1)
6687222 Backup service managers for providing reliable network services in a distributed environment 134 1999
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 118 2001
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4766539 Method of determining the premium for and writing a policy insuring against specified weather conditions 250 1987
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 61 2004
 
USA TECHNOLOGIES, INC. (3)
5637845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 311 1995
6601040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices 161 1999
6505095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine 141 2001
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 55 2004
 
WEEKS, STEPHEN M. (1)
7346567 Conditional fee ownership home financing system and business method 45 2002
 
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 103 1999
 
INTEL CORPORATION (1)
5604542 Using the vertical blanking interval for transporting electronic coupons 470 1995
 
SMART TONE, INC. (3)
5583933 Method and apparatus for the secure communication of data 154 1994
5745555 System and method using personal identification numbers and associated prompts for controlling unauthorized use of a security device and unauthorized access to a resource 199 1996
5825871 Information storage device for storing personal identification information 201 1996
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 117 2000
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (8)
4923288 Optical modulators based on polymers 112 1988
5247190 Electroluminescent devices 1416 1990
5401827 Semiconductive copolymers for use in luminescent devices 128 1991
5399502 Method of manufacturing of electrolumineschent devices 601 1993
5512654 Semiconductive copolymers for use in luminescent devices 112 1994
5672678 Semiconductive copolymers for use in luminescent devices 134 1995
5653914 Electroluminescent device comprising a chromophoric polymeric composition 155 1995
5807627 Electroluminescent devices 169 1997
 
VANTEQ, INC. (1)
7089202 Method and system for internet banking and financial services 141 2000
 
Leonhard Kurz GmbH & Co. (1)
5383687 Value document and embossing foil for the production thereof 110 1993
 
CHASE MANHATTAN BANK USA, NATIONAL ASOCIATION (1)
2009/0265,275 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 29 2009
 
MAGTEK, INC. (1)
5814796 Terminal for issuing and processing data-bearing documents 213 1996
 
PAPER SYSTEMS, INC. (1)
2005/0179,251 Distribution of sporting or event schedules with business machine receipt paper 39 2005
 
UNION BEACH LIMITED PARTNERSHIP (1)
5521363 System and method for tracking memory card transactions 183 1994
 
PINPOINT INCORPORATED (1)
2001/0014,868 SYSTEM FOR THE AUTOMATIC DETERMINATION OF CUSTOMIZED PRICES AND PROMOTIONS 731 1998
 
Licensys Pty Ltd (1)
D538349 Number plate 53 2005
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (3)
* 4723212 Method and apparatus for dispensing discount coupons 525 1987
4910672 Method and apparatus for dispensing discount coupons 525 1987
5173851 Method and apparatus for dispensing discount coupons in response to the purchase of one or more products 554 1990
 
XATRA FUND MX, LLC (1)
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 77 2004
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 60 2002
 
Swychco Support Services Pty. Ltd. (2)
5970479 Methods and apparatus relating to the formulation and trading of risk management contracts 376 1993
6134536 Methods and apparatus relating to the formulation and trading of risk management contracts 238 1997
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (9)
5970478 Method, apparatus, and program for customizing credit accounts 254 1997
5949044 Method and apparatus for funds and credit line transfers 386 1997
6227972 Method and apparatus for expiration of prepaid slot machine plays 251 1997
6018718 Method and system for processing customized reward offers 419 1997
6163771 Method and device for generating a single-use financial account number 333 1997
6128599 Method and apparatus for processing customized group reward offers 475 1997
5999596 Method and system for controlling authorization of credit card transactions 235 1998
6128598 System and method for generating and executing insurance policies for foreign exchange losses 158 1999
6374230 Method, apparatus and program for customizing credit accounts 174 1999
 
GENWORTH FINANCIAL, INC. (1)
2004/0172,350 System and method for cross funding of multiple annuity contracts 78 2002
 
Gift Certificate Center, Inc. (1)
5500514 Method and apparatus for generating gift certificates 202 1993
 
WALKER DIGITAL, LLC (1)
2002/0165,771 Method and apparatus for establishing prices for a plurality of products 129 2001
 
AFFINION NET PATENTS, INC. (1)
5774870 Fully integrated, on-line interactive frequency and award redemption program 668 1995
 
MICRO ENHANCEMENT INTERNATIONAL (3)
5857175 System and method for offering targeted discounts to customers 597 1995
6484146 System for offering targeted discounts to customers and collecting purchasing behavior data 105 1997
7024374 Targeted marketing and purchase behavior monitoring system 98 2000
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5704044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 388 1996
 
ALCATEL-LUCENT USA INC. (1)
6014636 Point of sale method and system 342 1997
 
CITICORP (2)
5914472 Credit card spending authorization control system 547 1997
6188309 Method and apparatus for minimizing credit card fraud 121 1998
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4752676 Reliable secure, updatable "cash" card system 245 1985
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 78 2003
 
WASHINGTON MUTUAL BANK, F.A. (1)
5734838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 468 1995
 
PrivaSys (1)
2007/0034,700 Electronic cards and methods for making same 183 2006
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5659741 Computer system and method for storing medical histories using a carrying size card 224 1995
5832488 Computer system and method for storing medical histories using a smartcard to store data 324 1997
 
ENTRYPOINT, INC. (1)
5740549 Information and advertising distribution system and method 1749 1995
 
CITRIX SYSTEMS, INC. (1)
6886046 Methods and apparatus for extendible information aggregation and presentation 81 2001
 
AMERICAN EXPRESS COMPANY (1)
4453074 Protection system for intelligent cards 385 1981
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (8)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 127 1999
D449336 Card with a blue ornamental rectangle 54 1999
6742704 Multiple-service card system 99 2001
2003/0023,549 Consolidated payment account system and method 132 2002
7530491 Metal-containing transaction card and method of making the same 47 2003
7588184 Metal-containing transaction card and method of making the same 65 2005
7494057 Metal-containing transaction card and method of making the same 48 2007
2009/0230,195 METAL-CONTAINING TRANSACTION CARD AND METHOD OF MAKING THE SAME 29 2009
 
INTERNET PROMISE GROUP, LLC (1)
7254560 Method and apparatus for an integrated identity security and payment system 43 2001
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
2004/0128,195 System and method for processing transactions 44 2003
 
RealSource, Inc. (1)
5732136 Merchant specific debit card verification system 168 1997
 
SAMSUNG ELECTRONICS CO., LTD. (15)
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (23)
4701601 Transaction card with magnetic stripe emulator 507 1985
4766293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 348 1986
4822985 Transaction approval system 128 1987
D310386 Transaction card 120 1987
4906826 Usage promotion method for payment card transaction system 153 1988
4870259 Transaction approval system 125 1989
4908521 Transaction approval system 133 1989
4943707 Transaction approval system 171 1989
5177342 Transaction approval system 307 1990
5175416 Funds transfer system 401 1991
5477038 Method and apparatus for distributing currency 495 1993
5465206 Electronic bill pay system 839 1993
5703344 Electronic funds confirmation at point of transaction 367 1995
RE36365 Method and apparatus for distributing currency 291 1996
5920847 Electronic bill pay system 751 1996
6119103 Financial risk prediction systems and methods therefor 529 1997
* 5963925 Electronic statement presentment system 468 1997
RE37122 Method and apparatus for distributing currency 231 1998
6105008 Internet loading system using smart card 321 1998
6560581 System and method for secure electronic commerce transaction 342 1998
6298336 Card activation at point of distribution 248 1998
7031939 Systems and methods for implementing person-to-person money exchange 173 2000
RE38255 Method and apparatus for distributing currency 153 2001
 
CHASE BANK USA, N.A. (4)
7163153 Selectable multi-purpose card 237 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 57 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 54 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 54 2007
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 166 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 60 2004
 
WAYPOINT, INC. (1)
5835061 Method and apparatus for geographic-based communications service 429 1995
 
New View Technologies, Inc. (1)
6032859 Method for processing debit purchase transactions using a counter-top terminal system 269 1997
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 174 2000
 
Value Benefits Insurance Agency, Inc. (1)
2003/0204,421 Integrated system and method for insurance products 81 2002
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
5727153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 357 1995
5806044 System and method for distributing coupons through a system of computer networks 395 1996
5884278 Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register 216 1997
 
AMTECH SYSTEMS, LLC (1)
5351187 Automatic debiting parking meter system 186 1992
 
DS-IQ, INC. (1)
6330543 Method and system for distributing and reconciling electronic promotions 290 1998
 
LYNXVALE LIMITED (1)
5328809 Patterning of semiconductive polymers 103 1991
 
RENESAS ELECTRONICS CORPORATION (1)
5664157 Noncontact IC card interface unit and communication system using the interface unit 124 1995
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6505780 Personalize vehicle settings using RF tags 145 2001
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 217 2003
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6148297 Health care information and data tracking system and method 168 1998
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 126 2003
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (5)
5819234 Toll collection system 239 1996
6038552 Method and apparatus to process combined credit and debit card transactions 246 1997
6167385 Supply chain financing system and method 225 1998
6609113 Method and system for processing internet payments using the electronic funds transfer network 518 2000
2002/0095,365 Corporate products trading marketplace 135 2001
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (7)
7239226 System and method for payment using radio frequency identification in contact and contactless transactions 134 2002
6805287 System and method for converting a stored value card to a credit card 188 2002
7249112 System and method for assigning a funding source for a radio frequency identification device 117 2002
7228155 System and method for remotely initializing a RF transaction 96 2004
7493288 RF payment via a mobile device 65 2004
7312707 System and method for authenticating a RF transaction using a transaction account routing number 79 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 132 2004
 
UNITED STATES OF AMERICA AS REPRESENTED BY THE ADMINISTRATOR OF THE NATIONAL AERONAUTICS AND SPACE ADMINISTRATION (1)
6223143 Quantitative risk assessment system (QRAS) 108 1998
 
M.A. Rivalto, Inc. (1)
5482139 Automated drive-up vending facility 274 1995
 
TOURNAMENT HOLDINGS LTD., L.L.C. (1)
6048271 Automated league and tournament device 240 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (2)
6014634 System and method for providing shopping aids and incentives to customers through a computer network 679 1997
6026370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 471 1997
 
MARSHALL PATENT HOLDINGS, LLC (2)
5790636 Telephone travel card system under the control of its customers 112 1994
6295344 Telephone travel card system under the control of its customers 49 1998
 
QUALTEQ, INC. (1)
4897533 Credit card and method of making the same 235 1987
 
QUADNOVATION, INC. (1)
6641049 Integrated circuit card with multiple integral electronic modules 120 2001
 
Pennsylvania Food Merchants Association (1)
5581064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 206 1994
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 327 2003
 
THE OHIO STATE UNIVERSITY (1)
6004681 Light-emitting devices containing network electrode polymers in electron blocking layer 101 1997
 
OneName Corporation (1)
6757710 Object-based on-line transaction infrastructure 255 2002
 
VALID USA, INC. (1)
6471128 Method of making a foil faced financial transaction card having graphics printed thereon and card made thereby 54 2000
 
LIFEPROXY LLC (1)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 57 2001
 
NEOPOST TECHNOLOGIES (1)
6227445 Secure smart card access to pre-paid metering funds in meter 35 1998
 
Executing the Numbers, Inc. (1)
6119097 System and method for quantification of human performance factors 120 1997
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
7104443 Method and system for facilitating electronic funds transactions 227 2002
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6161096 Method and apparatus for modeling and executing deferred award instrument plan 175 1998
 
PLEJ, INC. (1)
2006/0020,542 Method and system for processing financial transactions 55 2004
 
INTELLECTUAL VENTURES II LLC (1)
6182894 Systems and methods for authorizing a transaction card 331 1998
 
GE CAPITAL CORPORATION (1)
5991750 System and method for pre-authorization of individual account transactions 453 1997
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5361062 Personal security system 336 1992
 
Freddie Mac (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 65 2004
 
BMC RESOURCES, INC. (3)
5652786 Automated interactive bill payment system 295 1996
5715298 Automated interactive bill payment system using debit cards 228 1997
5870456 Automated interactive bill payment system using debit cards 260 1997
 
Safecard ID System, Inc. (1)
6164548 Methods of creating a tamper resistant informational article 108 1998
 
MicroBilt Corporation (1)
5466920 Real time decoding for card transaction terminal 57 1991
 
ACTIVCARD IRELAND LIMITED (5)
6373969 Corrective optical component 105 1999
6446210 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 138 1999
6434259 Method of providing secure user access 118 1999
6429927 Imaging device, especially for optical fingerprinting 112 1999
6498861 Biometric security encryption system 140 2000
 
Exxon Research and Engineering Company (2)
5072380 Automatic vehicle recognition and customer billing system 196 1990
5500890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 168 1993
 
TALX Corporation (1)
2003/0149,660 Method and system for managing employee access to payroll information 43 2002
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6138911 In-store points redemption system and method 255 1999
 
Steven Nichtberger (1)
4882675 Paperless system for distributing, redeeming and clearing merchandise coupons 569 1984
 
UPROMISE, INC. (1)
5471669 Coupon savings account system 278 1994
 
GENERAL COUNSEL'S OFFICE (1)
7243839 Systems, methods, and devices for selling transaction instruments 86 2005
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6105011 Security system and method for business transactions with customers 203 1998
 
OVERTURE SERVICES, INC. (1)
6173267 Method for product promotion 303 1998
 
JP Morgan Chase Bank (1)
2004/0122,736 System and method for granting promotional rewards to credit account holders 155 2003
 
GIESECKE & DEVRIENT GMBH (5)
6343743 Method of checking authenticity of a data carrier 76 1998
6382677 Security element and method for producing same 38 1999
6726813 Security device and method for producing it 30 2002
7479320 Security element and method for producing the same 32 2002
7503503 Card laminate 32 2005
 
PERFECT PLASTIC PRINTING CORPORATION (1)
4938830 Plastic card and method of fabrication thereof 75 1988
 
HITACHI, LTD. (1)
6016954 Card holder-type balance reader 137 1997
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 48 2004
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5339239 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 291 1990
 
Brubaker, Randall E. (1)
6186793 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 130 1997
 
ARJO WIGGINS SECURITY SAS (1)
7128272 Method for making an article comprising a sheet and at least an element directly mounted thereon 28 2002
 
DEUTSCHE TELEKOM AG (1)
6693544 Electronic identification tag 105 2001
 
First Marketrust Intl. (1)
5537314 Referral recognition system for an incentive award program 799 1995
 
CONDUENT BUSINESS SERVICES, LLC (5)
5946669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 155 1997
6119107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 198 1998
6567821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 85 1998
7225155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 83 1999
2004/0064,332 Systems and methods for electronically processing government sponsored benefits 33 2003
 
Call Processing, Inc. (2)
5511114 Telephone pre-paid calling card system and method 342 1994
5721768 Pre-paid card system and method 332 1996
 
STARBUCKS CORPORATION D/B/A STARBUCKS COFFEE COMPANY (1)
2005/0077,350 Dual card 95 2004
 
IP-TPG HOLDCO S.A.R.L. (1)
5572004 Method for paying for services and/or goods and apparatus for carrying out the method 135 1995
 
MONDEX INTERNATIONAL LIMITED (1)
5778067 Value transfer system 324 1996
 
KAPSCH TRAFFICCOM AB (1)
6109525 Method and device for registering vehicles in a road toll facility 152 1998
 
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA (1)
2004/0158,517 Method for maximizing retirement income using financial bridge products and deferred social security income 44 2004
 
INTER*ACT SYSTEMS, INCORPORATED (13)
* 5201010 Method and system for building a database and performing marketing based upon prior shopping history 439 1992
5237620 Check reader method and system for reading check MICR code 245 1992
5305196 Check transaction processing, database building and marketing method and system utilizing automatic check reading 240 1992
5327508 Method and system for building a database and performing marketing based upon prior shopping history 223 1993
5621812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 601 1993
* 5388165 Method and system for building a database and performing marketing based upon prior shopping history 225 1994
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 490 1994
5448471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 370 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 365 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 465 1994
5430644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 297 1994
5659469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 330 1995
6351735 Check transaction processing, database building and marketing method and system utilizing automatic check reading 139 1996
 
WINKLEVOSS TECHNOLOGIES, L.L.C. (1)
2004/0117,202 Method and system for determining benefits 46 2003
 
York Eggleston (1)
6061660 System and method for incentive programs and award fulfillment 646 1998
 
METLIFE LIFE INSURANCE COMPANY (1)
5806047 System for combined pool portfolio 145 1995
 
WYNN, SOL H. (1)
5859419 Programmable multiple company credit card system 480 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5742775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 286 1995
 
Electronic Warfare Associates, Inc. (1)
5185697 Apparatus and method for managing crisis situations 85 1989
 
Bostec Systems, Inc. (2)
4978401 Card assembly method 115 1989
5080748 Card assembly apparatus 177 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6019284 Flexible chip card with display 307 1998
6068183 Chip card system 216 1998
5931764 Wearable device with flexible display 214 1998
6402039 Flexible chip card with display 186 1999
6450407 Chip card rebate system 444 2000
 
SUMMIT BANCORP (1)
6454647 Method and system for automated collect and win sweepstakes for ATM transactions 46 1999
 
CHECKFREE CORPORATION (2)
5383113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 673 1991
6289322 Electronic bill processing 410 1998
 
INVESTPIC, LLC (1)
6349291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 156 2000
 
FUJITSU LIMITED (11)
5097115 Transaction authentication system 133 1989
5481094 Point-of-sale terminal 202 1994
6003762 Transaction terminal for an electronic cashless system 271 1994
6129274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 447 1998
2002/0161,699 Method of invitation to alteration of contract of cash loan for consumption 28 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 44 2001
2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 100 2002
2005/0114,883 Information providing method, information providing apparatus, and computer-readable recording medium with information providing program recorded thereon 46 2004
2005/0060,260 Payment system, payment apparatus, and payment program storage medium 40 2004
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 89 2004
2005/0119,979 Transaction system and transaction terminal equipment 60 2004
 
SOUND VIEW INNOVATIONS, LLC (1)
6742125 Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol 26 1996
 
FIRST DATA CORPORATION (11)
7050996 Method for linking accounts corresponding to different products together to create a group 81 1999
7076465 Methods for processing a group of accounts corresponding to different products 69 1999
6490568 Automated system and method for monitoring financial transactions 118 1999
6978369 Person-centric account-based digital signature system 103 2001
2004/0049,452 Multiple credit line presentation instrument 104 2002
7069244 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 44 2002
2003/0120,571 Authorizing transactions associated with accounts 50 2002
2003/0182,218 Chasing rewards associated with accounts 75 2003
2006/0036,543 Creating groups of linked accounts 93 2005
* 2006/0116,955 Method and system for merchant processing of purchase card transactions with expanded card type acceptance 27 2006
 
BOWIE, STUART S. (1)
6195644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 192 1999
 
Xtreme Traffic Builders, Inc. (1)
6557750 Promotional mailing device 56 2002
 
CASIO COMPUTER CO., LTD. (2)
4754418 Combined electronic calculator and credit card 136 1985
4697072 Identification card and authentication system therefor 127 1985
 
G & D CARDTECH, INC. (1)
6644551 Card 88 2001
 
Coupco, Inc. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 353 1991
 
S.F. IP PROPERTIES 33 LLC (1)
5163098 System for preventing fraudulent use of credit card 111 1990
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 91 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5728998 Secure smart card reader with virtual image display and pull-down options 117 1996
5770849 Smart card device with pager and visual image display 167 1996
5734154 Smart card with Iintegrated reader and visual image display 255 1996
5789733 Smart card with contactless optical interface 331 1996
 
Marflex International Inc. (1)
5503891 Flexible magnet attractant display mat 93 1994
 
BRIDGEPOINT SYSTEMS, INC. (1)
5936221 Smart card system and method for transferring value 147 1997
 
TAMURA ELECTRIC WORKS, LTD. (2)
5546446 Public telephone system using a prepaid card to enable communication 51 1994
5563934 Pay phone call control apparatus for allowing calls using pre-paid cards 51 1995
 
Paypal International Limited (2)
5897621 System and method for multi-currency transactions 240 1996
6295522 Stored-value card value acquisition method and apparatus 224 1997
 
PAYPAL, INC. (3)
6267292 Method and apparatus for funds and credit line transfers 378 1999
7047222 Secure encryption of data packets for transmission over unsecured networks 40 2000
2005/0171,842 Method and system for incentivizing the promotion of a payment service 45 2004
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 133 2001
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 149 2003
 
OBERTHUR CARD SYSTEMS SA (1)
2008/0245,865 Multi-Layer Cards with Aesthetic Features and Related Methods of Manufacturing 34 2004
 
JPMORGAN CHASE BANK, N.A. (49)
6227447 Cardless payment system 472 1999
6553113 System and methods for call decisioning in a virtual call center integrating telephony with computers 149 1999
6505168 System and method for gathering and standardizing customer purchase information for target marketing 177 1999
D437882 Transaction card 61 1999
7392224 System and method of operating a debit card reward program 143 1999
6557039 System and method for managing information retrievals from distributed archives 255 1999
7113914 Method and system for managing risks 67 2000
6631849 Selectable multi-purpose card 502 2000
7295999 System and method for determining eligibility and enrolling members in various programs 56 2000
6341724 Cardless payment system 221 2001
2001/0034,682 International banking system and method 134 2001
2002/0077,978 Method and system for processing internet payments 401 2001
6945453 System and method for funding a collective account by use of an electronic tag 56 2001
2003/0028,483 System and method for funding a collective account 67 2002
2003/0033,246 Sponsor funded stored value card 102 2002
7165049 Sponsor funded stored value card 107 2002
2003/0105,714 System and method for currency selectable stored value instrument 78 2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 292 2003
2003/0187,787 System and process for performing purchase transactions using tokens 154 2003
7676425 Method and system for providing flexible financing 24 2003
2004/0128,186 System and method for managing risks associated with outside service providers 97 2003
2005/0065,877 Method and system for distribution of unactivated bank account cards 53 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 108 2004
2005/0091,492 Portable security transaction protocol 54 2004
7392222 System and method for providing promotional pricing 124 2004
7707111 Customer activated multi-value (CAM) card 35 2004
2005/0086,167 Customer activated multi-value (CAM) card 39 2004
7349866 System and method for funding a collective account by use of an electronic tag 44 2004
D530741 Transparent transaction card 45 2004
7191952 Selectable multi-purpose card 122 2004
7263507 Customer activated multi-value (CAM) card 59 2005
7660763 Customer activated multi-value (CAM) card 20 2005
7401731 Method and system for implementing a card product with multiple customized relationships 105 2005
7591416 Selectable multi-purpose card 63 2006
7306141 System and method for funding a collective account by use of an electronic tag 29 2006
7311244 System and method for funding a collective account by use of an electronic tag 29 2006
2006/0259,364 System and method for granting promotional rewards to credit account holders 158 2006
7357331 Selectable multi-purpose card 57 2006
* 2007/0078,719 S/M for offering reward programs 61 2006
2007/0156,530 System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories 37 2007
2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 89 2007
D576671 Overlapping transaction device 42 2008
D582476 Pivoting transaction device 37 2008
D582977 Transaction device 74 2008
* 2008/0277,465 METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS 70 2008
D602522 Transaction device 59 2008
D602986 Metal transaction device 61 2009
2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 40 2009
2009/0271,853 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 24 2009
 
MICROSOFT TECHNOLOGY LICENSING, LLC (5)
5852812 Billing system for a network 594 1995
5721781 Authentication system and method for smart card transactions 687 1995
5883810 Electronic online commerce card with transactionproxy number for online transactions 765 1997
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions 660 1997
2001/0037,315 System and method for secure distribution of information via eMail 122 2000
 
WINBOND ELECTRONICS CORP. (1)
5877975 Insertable/removable digital memory apparatus and methods of operation thereof 130 1996
 
Electronic Consumer Concepts, L.L.C. (1)
5845259 Electronic coupon dispensing system 447 1996
 
PSC SCANNING, INC. (1)
5789732 Portable data module and system for consumer transactions 177 1996
 
Cash Technologies, Inc. (1)
6308887 Multi-transactional architecture 390 1999
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
* 5412190 Electronic check presentment system having a return item notification system incorporated therein 223 1993
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 48 2004
 
FAIR ISAAC CORPORATION (1)
6330546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 442 1998
 
ALTERNATIVE SYSTEMS, INC. (1)
5726884 Integrated hazardous substance tracking and compliance 202 1994
 
LEIGHTON, KEITH (1)
6557766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process 85 2000
 
CYARCH, LLC (1)
2003/0167,220 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 49 2001
 
THE PRINCIPAL FINANCIAL GROUP (1)
2001/0037,276 System and methods for group retirement plan administration 47 2001
 
Allcard Financial Services, Inc. (1)
2005/0049,950 Method for depositing funds to a stored value card 86 2004
 
EASTMAN KODAK COMPANY (1)
7063924 Security device with patterned metallic reflection 43 2002
 
CAR POINT KOREA CO., LTD. (1)
2001/0044,733 Method and system for processing automobile insurance of a prepaid type according to driving distance and time of vehicle 80 2000
 
ROUNDMEUP, INC. (1)
7502758 Creation and distribution of excess funds, deposits, and payments 49 2001
 
UNISYS CORPORATION (1)
5187750 Archival document image processing and printing system 259 1991
 
C-SAM, INC. (2)
5590038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 896 1994
5884271 Device, system and methods of conducting paperless transactions 588 1996
 
MEGA GROUP INTERNATIONAL, LTD. (1)
6163770 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 270 1998
 
MONEYFAX, INC. (2)
4454414 Funds transfer system using optically coupled, portable modules 498 1982
* 5122950 Method of and system for electronic funds transfer via facsimile machines 174 1989
 
REGULATORY DATACORP, INC. (1)
2004/0024,693 Proprietary risk management clearinghouse 73 2003
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (1)
* 2011/0106,695 PAYMENT PROCESSING SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT 1 2009
 
BLACKHAWK NETWORK, INC. (1)
* 2013/0054,470 System for Payment via Electronic Wallet 59 2012
 
PAYPAL, INC. (17)
* 2006/0064,378 METHOD AND APPARATUS FOR MAINTAINING LINKED ACCOUNTS 30 2004
* 2006/0235,758 Authorization techniques 22 2005
* 2008/0228,638 METHOD AND SYSTEM OF CONTROLLING LINKED ACCOUNTS 27 2007
8364566 Method for managing group finances via an electronic network 1 2008
* 2008/0195,510 METHOD FOR MANAGING GROUP FINANCES VIA AN ELECTRONIC NETWORK 6 2008
8626650 Gradual conversion of financial accounts 0 2008
* 2008/0228,615 GRADUAL CONVERSION OF FINANCIAL ACCOUNTS 17 2008
8249986 Methods and systems of controlling activities of financial accounts 9 2008
* 2009/0112,763 METHODS AND SYSTEMS OF CONTROLLING ACTIVITIES OF FINANCIAL ACCOUNTS 14 2008
* 2009/0327,128 SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES 11 2009
* 2010/0191,629 SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES 6 2010
8249987 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 2 2010
* 2010/0205,097 METHODS AND APPARATUS FOR FUNDING TRANSACTIONS USING DEBIT CARDS ISSUED BY ONE INSTITUTION AND FUNDS FROM ACCOUNTS AT OTHER INSTITUTIONS 2 2010
* 2010/0223,178 AUTHORIZATION AND CAPTURE WITH MULTIPLE CURRENCIES 2 2010
8732076 Methods and systems for providing a savings goal 1 2012
8392328 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 7 2012
8666889 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions 0 2013
 
CenPos, Inc. (2)
* 8577730 Cash management optimization for payment processing 0 2009
* 2011/0106,638 CASH MANAGEMENT OPTIMIZATION FOR PAYMENT PROCESSING 1 2009
 
JPMORGAN CHASE BANK, N.A. (4)
* 2014/0114,815 System And Method For Managing And Using A Third Party Subsidy Account 1 2011
9058626 System and method for financial services device usage 0 2013
* 2014/0258,102 MULTIPLE ACCOUNT ADVANCED PAYMENT CARD AND METHOD OF ROUTING CARD TRANSACTIONS 0 2014
9460469 System and method for financial services device usage 0 2015
 
EWI HOLDINGS, INC. (4)
8594286 Systems and methods for personal identification number distribution and delivery 2 2012
8967464 System and method for electronic prepaid account replenishment 1 2013
8867713 Systems and methods for personal identification number distribution and delivery 1 2013
9558484 System and method for electronic prepaid account replenishment 0 2015
 
BANK OF AMERICA CORPORATION (4)
9047636 Dynamic determination of appropriate payment account 1 2011
9514456 Single payment card for flexible payment vehicle options for a transaction 0 2013
* 2014/0279,409 RECOMMENDING RETROACTIVE VEHICLE FOR PAYMENT BASED ON IN-FLOWS AND OUT-FLOWS 0 2013
D784403 Display screen with a transitional graphical user interface 7 2015
 
GOOGLE LLC (8)
8392261 Local shopping and inventory 2 2011
8335722 Local shopping and inventory 2 2011
8401904 Real-time payment authorization 21 2012
8676709 Merchant category codes in a proxy card transaction 3 2012
9479571 Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements 1 2013
9544759 Systems, methods, and computer program products for managing states 0 2014
9679284 Selecting a preferred payment instrument 0 2015
9652628 Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements 0 2015
 
miiCard Limited (2)
* 8332322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts 2 2010
* 2011/0276,485 METHOD OF ESTABLISHING IDENTITY VALIDATION BASED ON AN INDIVIDUAL'S ABILITY TO ACCESS MULTIPLE SECURE ACCOUNTS 0 2010
 
GOOGLE INC. (2)
9135619 Merchant identification of payer via payment path 0 2012
9092767 Selecting a preferred payment instrument 4 2013
 
ORANGE (2)
* 8422652 Device and method for managing communication credits associated to use of services by a terminal 0 2006
* 2009/0092,238 Device and Method for Managing Communication Credits Associated to Use of Services by a Terminal 6 2006
 
FIRST DATA CORPORATION (2)
* 9569768 Systems, methods and apparatus for selecting a payment account for a payment transaction 0 2009
* 2010/0217,674 SYSTEMS, METHODS AND APPARATUS FOR SELECTING A PAYMENT ACCOUNT FOR A PAYMENT TRANSACTION 4 2009
* Cited By Examiner

Maintenance Fees

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