US Patent No: 7,926,711

System and method for granting promotional rewards to both customers and non-customers

Stats

Apr 19, 2011
Issued date
Aug 24, 2009
filing date
12/546,099
serial no
In Force
status

ALSO PUBLISHED AS: 20090313106

Importance

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Abstract

Systems and methods of attracting and retaining customers of a Banking institution through an incentive program is disclosed, comprising: operating a promotional program, comprising the dispensing of a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated teller machine (ATM); and operating a rewards program, wherein upon a customer completing a triggering behavior, a specified reward is granted to the customer. Systems and methods of operating a promotional program for customers of a Banking institution is also disclosed, wherein the method comprises dispensing a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated checking machine (ATM).

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First Claim

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Related Publications

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Patent Owner(s)

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

International Classification(s)

[Classification Symbol]

[Patents Count]

Inventor(s)

Inventor Name	Address	# of filed Patents	Total Citations
Pilarcik, Jeffrey J	Columbus, OH	6	34
Taylor, Robert Cameron	Dublin, OH	7	34

Cited Art

Patent Info	# Cites	Year
JPMORGAN CHASE BANK, N.A. (41)
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6,505,168 System and method for gathering and standardizing customer purchase information for target marketing	92	1999
7,392,224 System and method of operating a debit card reward program	48	1999
6,557,039 System and method for managing information retrievals from distributed archives	162	1999
7,113,914 Method and system for managing risks	49	2000
6,631,849 Selectable multi-purpose card	269	2000
7,295,999 System and method for determining eligibility and enrolling members in various programs	33	2000
6,341,724 Cardless payment system	130	2001
2001/0034,682 International banking system and method	103	2001
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2003/0126,017 System and method for transponder-enabled account transactions	9	2002
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2003/0066,876 Web enabled bank teller machine	12	2002
2003/0033,246 Sponsor funded stored value card	61	2002
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2003/0105,714 System and method for currency selectable stored value instrument	30	2003
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network	133	2003
2004/0128,186 System and method for managing risks associated with outside service providers	55	2003
2005/0065,877 Method and system for distribution of unactivated bank account cards	34	2003
7,392,222 System and method for providing promotional pricing	55	2004
2005/0086,167 Customer activated multi-value (CAM) card	27	2004
7,349,866 System and method for funding a collective account by use of an electronic tag	23	2004
7,191,952 Selectable multi-purpose card	71	2004
7,263,507 Customer activated multi-value (CAM) card	30	2005
2006/0038,004 Personalized bank teller machine	64	2005
2006/0178,937 System and method for transponder-enabled account transactions	39	2005
7,591,416 Selectable multi-purpose card	27	2006
7,306,141 System and method for funding a collective account by use of an electronic tag	15	2006
7,311,244 System and method for funding a collective account by use of an electronic tag	15	2006
2007/0181,674 System and method for granting promotional rewards to both customers and non-customers	6	2006
2007/0094,084 System and method for transponder-enabled account transactions	5	2006
7,357,331 Selectable multi-purpose card	37	2006
2007/0094,154 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS	12	2006
2007/0078,719 S/M for offering reward programs	14	2006
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2007/0228,144 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS	5	2007
2008/0021,841 System and method for transponder-enabled account transactions	7	2007
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2009/0192,906 System and Method for Transponder-Enabled Account Transactions	4	2009
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7,617,157 Method for receiving electronically transferred funds using an automated teller machine	8	2002
7,107,249 Electronic identifier payment systems and methods	53	2002
6,761,309 Method and system for performing money transfer transactions	71	2002
7,070,094 Method and system for performing money transfer transactions	21	2004
2005/0119,969 Money transfer notification systems and methods	17	2004
2006/0191,999 Method and system for performing money transfer transactions	9	2006
7,315,843 Electronic identifier payment systems and methods	33	2006
2008/0215,487 METHOD AND SYSTEM FOR PERFORMING MONEY TRANSFER TRANSACTIONS	9	2008
2009/0265,272 MONEY TRANSFERS UTILIZING A UNIQUE RECEIVER IDENTIFIER	5	2009
CITIBANK, N.A. (15)
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5,455,407 Electronic-monetary system	343	1995
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5,953,423 Electronic-monetary system	126	1997
5,963,648 Electronic-monetary system	177	1997
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6,895,386 Stock credit card	52	1998
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6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet	118	1999
7,092,905 Systems and methods for the processing of financial transactions	46	2001
CHESS VENTURES LLC (14)
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card	4	2001
6,805,288 Method for generating customer secure card numbers subject to use restrictions by an electronic card	131	2001
INTERNATIONAL BUSINESS MACHINES CORPORATION (12)
5,717,925 Information catalog system with object-dependent functionality	171	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	54	1996
5,796,827 System and method for near-field human-body coupling for encrypted communication with identification cards	164	1996
6,029,144 Compliance-to-policy detection method and system	166	1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS	34	1998
6,278,981 Computer-implemented method and apparatus for portfolio compression	190	1998
6,675,149 Information technology project assessment method, system and program product	54	1999
6,567,786 System and method for increasing the effectiveness of customer contact strategies	100	1999
6,671,673 Method for integrated supply chain and financial management	145	2000
2003/0154,125 Pesonalisation of promotional offers	63	2001
6,641,050 Secure credit card	134	2001
2006/0106,696 Account transfer using a single financial account	30	2004
CATALINA MARKETING CORPORATION (10)
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5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior	456	1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories	330	1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories	400	1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories	565	1995
5,710,886 Electric couponing method and apparatus	391	1995
5,974,399 Method and apparatus for generating purchase incentives based on price differentials	217	1997
6,260,758 Promotional financial transaction machine method	49	1998
6,336,099 Method and system for electronic distribution of product redemption coupons	152	1998
6,055,573 Communicating with a computer based on an updated purchase behavior classification of a particular consumer	277	1999
TOTAL FINA ELF (10)
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion		2002
INTER*ACT SYSTEMS, INCORPORATED (9)
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5,237,620 Check reader method and system for reading check MICR code	163	1992
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories	396	1993
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5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories	303	1994
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading	240	1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories	241	1994
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5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading	203	1995
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (9)
5,412,192 Radio frequency activated charge card	214	1993
5,483,445 Automated billing consolidation system and method	326	1993
5,684,291 Refundable prepaid telephone card	116	1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity	205	1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired	75	1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account	228	1996
5,988,509 Refundable prepaid telephone card	123	1997
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account	126	1997
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AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (8)
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6,742,704 Multiple-service card system	66	2001
2001/0054,003 System and method for using loyalty points	240	2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account	44	2002
2003/0023,549 Consolidated payment account system and method	83	2002
2005/0021,353 DONATION SYSTEM AND METHOD	38	2004
2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE	43	2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA	96	2004
FUJITSU LIMITED (8)
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5,481,094 Point-of-sale terminal	150	1994
6,003,762 Transaction terminal for an electronic cashless system	196	1994
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2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method	55	2002
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor	62	2004
2005/0119,979 Transaction system and transaction terminal equipment	39	2004
HOME ACCOUNT NETWORK, INC. (8)
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5,247,190 Electroluminescent devices	905	1990
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5,699,528 System and method for bill delivery and payment over a communications network	813	1995
5,704,046 System and method for conducting cashless transactions	250	1996
6,473,500 System and method for using a prepaid card	368	1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server	98	2001
NCR CORPORATION (7)
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4,689,478 System for handling transactions including a portable personal terminal	236	1984
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5,770,843 Access card for multiple accounts	269	1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data	386	1998
6,456,981 Method and apparatus for displaying a customized advertising message with a retail terminal	103	2000
CHASE MANHATTAN BANK, THE (6)
5,819,234 Toll collection system	158	1996
6,038,552 Method and apparatus to process combined credit and debit card transactions	166	1997
6,167,385 Supply chain financing system and method	128	1998
6,609,113 Method and system for processing internet payments using the electronic funds transfer network	303	2000
2002/0095,365 Corporate products trading marketplace	91	2001
2002/0077,978 Method and system for processing internet payments	231	2001
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7,076,465 Methods for processing a group of accounts corresponding to different products	34	1999
6,490,568 Automated system and method for monitoring financial transactions	75	1999
6,978,369 Person-centric account-based digital signature system	66	2001
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7,610,222 Method for providing a money transfer service through a payment enabler system	6	2007
LUCENT TECHNOLOGIES INC. (6)
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5,608,785 Method and apparatus for telephone prize opportunities	131	1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit	392	1994
5,857,079 Smart card for automatic financial records	264	1994
5,729,693 System and method to automatically provide an electronic consumer rebate	159	1996
6,014,636 Point of sale method and system	245	1997
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
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5,365,575 Telephonic-interface lottery system	157	1991
5,553,120 Telephonic-interface game control system	101	1993
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XATRA FUND MX, LLC (6)
6,805,287 System and method for converting a stored value card to a credit card	99	2002
7,249,112 System and method for assigning a funding source for a radio frequency identification device	44	2002
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB	36	2004
7,228,155 System and method for remotely initializing a RF transaction	46	2004
7,493,288 RF payment via a mobile device	32	2004
7,312,707 System and method for authenticating a RF transaction using a transaction account routing number	35	2004
ACS STATE & LOCAL SOLUTIONS, INC. (5)
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6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange	126	1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information	54	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	51	1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information	50	2002
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component	79	1999
6,446,210 Method for securing communication by selecting an encoding process using a first computer based upon ability of a second computer and deleting the process thereafter	99	1999
6,434,259 Method of providing secure user access	90	1999
6,429,927 Imaging device, especially for optical fingerprinting	81	1999
6,498,861 Biometric security encryption system	88	2000
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (5)
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium	67	2002
7,072,864 Customer activated multi-value (CAM) card	79	2003
2003/0187,787 System and process for performing purchase transactions using tokens	107	2003
7,051,925 System and method for funding a collective account by use of an electronic tag	85	2004
2006/0259,364 System and method for granting promotional rewards to credit account holders	32	2006
BRADY WORLDWIDE, INC. (5)
D466929 Security pass	47	2002
D467271 Security pass	46	2002
D467272 Security pass	44	2002
D474235 Security pass	64	2002
D477359 Security pass	57	2002
GENERAL ELECTRIC COMPANY (5)
4,845,347 Transaction system	52	1986
5,696,907 System and method for performing risk and credit analysis of financial service applications	235	1995
5,991,743 System and method for proactively monitoring risk exposure	119	1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy	125	1998
6,675,127 Computerized systems and methods for managing project issues and risks	70	2001
MICROSOFT CORPORATION (5)
5,852,812 Billing system for a network	442	1995
5,721,781 Authentication system and method for smart card transactions	494	1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions	548	1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions	449	1997
2001/0037,315 System and method for secure distribution of information via eMail	68	2000
PHOENIX LICENSING, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products	359	1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services	251	1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services	109	2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services	97	2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services	93	2003
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display	218	1998
6,068,183 Chip card system	149	1998
5,931,764 Wearable device with flexible display	143	1998
6,402,039 Flexible chip card with display	133	1999
6,450,407 Chip card rebate system	209	2000
WALKER DIGITAL, LLC (5)
5,970,478 Method, apparatus, and program for customizing credit accounts	130	1997
5,999,596 Method and system for controlling authorization of credit card transactions	135	1998
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses	130	1999
6,374,230 Method, apparatus and program for customizing credit accounts	85	1999
2002/0165,771 Method and apparatus for establishing prices for a plurality of products	65	2001
AT&T CORP. (4)
6,192,113 Method and apparatus for phone card billing	43	1995
5,675,607 Method and apparatus for facilitating the making of card calls	94	1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network	148	1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING	88	1998
AT&T IPM CORP. (4)
5,479,494 Virtual calling card system	222	1992
5,450,477 Monitoring of charges debited to an account having an assigned limit	128	1993
5,541,583 Arrangement for interrogating portable data communication devices	126	1995
5,708,422 Transaction authorization and alert system	335	1995
BANK OF AMERICA CORPORATION (4)
5,826,243 Integrated system for controlling master account and nested subaccount(s)	245	1994
6,016,482 Enhanced collateralized funding processor	246	1996
2003/0040,959 Method and apparatus for conducting transactions on an automated teller machine	57	2001
2003/0229,525 System and methods for integrated compliance monitoring	43	2002
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card	105	2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag	30	2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag	29	2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag	28	2007
CHASE MANHATAN BANK USA, N.A. (4)
6,615,189 Debit purchasing of stored value card for use by and/or delivery to others	126	1998
6,032,136 Customer activated multi-value (CAM) card	296	1998
6,615,190 Sponsor funded stored value card	161	2000
6,865,547 Customer activated multi-value (CAM) card	102	2000
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options	92	1996
5,770,849 Smart card device with pager and visual image display	126	1996
5,734,154 Smart card with Iintegrated reader and visual image display	137	1996
5,789,733 Smart card with contactless optical interface	248	1996
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems	47	2002
D490840 Proximity interface for transaction acceptance systems	35	2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems	40	2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems	33	2003
KABUSHIKI KAISHA TOSHIBA (4)
5,055,662 Portable information record medium having liquid crystal and photoconductive layers	131	1989
5,180,901 IC card with individual authentication function	207	1991
5,710,458 Card like semiconductor device	145	1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications	119	1997
MITSUBISHI DENKI KABUSHIKI KAISHA (4)
4,928,001 Secret information preserving system for a multiple issuer IC card	143	1988
5,202,286 Method of forming three-dimensional features on substrates with adjacent insulating films	61	1991
6,045,042 Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption	83	1992
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PRIVASYS, INC. (4)
6,592,044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions	167	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	140	2000
2003/0061,168 Method for generating customer secure card numbers	2	2001
2003/0061,168 Method for generating customer secure card numbers	2	2001
ACTIVCARD (3)
5,737,421 System for controlling access to a function having clock synchronization	98	1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables	166	1996
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters	89	2000
CAPITAL ONE FINANCIAL CORPORATION (3)
5,933,817 Tiered interest rate revolving credit system and method	164	1996
2002/0156,723 System and method for providing extra lines of credit	67	2001
2003/0074,290 Methods, systems and articles of manufacture for managing delinquent financial accounts	33	2002
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (3)
6,315,195 Transaction apparatus and method	188	1998
2003/0217,005 Automated banking machine system and method	66	2003
7,025,256 Automated banking machine system and method	43	2004
DIEBOLD, INCORPORATED (3)
7,039,600 ATM customer marketing system	34	1999
2002/0133,461 Automated banking machine processing system and method	25	2002
2005/0216,888 Method of developing automated banking machine instructions	28	2005
GENERAL ELECTRIC CAPITAL CORPORATION (3)
6,856,973 Methods and systems for assessing creditworthiness of a country	59	1999
6,970,830 Methods and systems for analyzing marketing campaigns	92	1999
2004/0098,339 Method and apparatus for identifying an entity with which transactions are prohibited	9	2002
GILBARCO INC. (3)
6,078,888 Cryptography security for remote dispenser transactions	191	1997
6,574,603 In-vehicle ordering	127	1998
6,089,284 Preconditioning a fuel dispensing system using a transponder	90	1998
INTERNATIONAL CARD TECHNOLOGY (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof	165	1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof	124	1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof	139	1998
OKI ELECTRIC INDUSTRY CO., LTD. (3)
4,746,787 IC card with display and card recording and reading device	119	1985
5,146,068 System for authenticating an authorized user of an IC card	76	1990
6,338,048 Electronic transaction system	95	1999
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	282	1995
5,806,044 System and method for distributing coupons through a system of computer networks	290	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	134	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	218	1995
6,601,040 Electronic commerce terminal for wirelessly communicating to a plurality of communication devices	76	1999
6,505,095 System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine	75	2001
ACTIVCARD S.A. (2)
5,887,065 System and method for user authentication having clock synchronization	140	1997
5,937,068 System and method for user authentication employing dynamic encryption variables	129	1997
ALEXSAM, INC. (2)
6,000,608 Multifunction card system	283	1997
6,189,787 Multifunctional card system	332	1999
BOSTEC SYSTEMS, INC. (2)
4,978,401 Card assembly method	93	1989
5,080,748 Card assembly apparatus	136	1990
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions	536	1994
5,884,271 Device, system and methods of conducting paperless transactions	379	1996
CALL PROCESSING, INC. (2)
5,511,114 Telephone pre-paid calling card system and method	276	1994
5,721,768 Pre-paid card system and method	265	1996
CASIO COMPUTER CO., LTD. (2)
4,754,418 Combined electronic calculator and credit card	111	1985
4,697,072 Identification card and authentication system therefor	97	1985
CATALINA MARKETING INTERNATIONAL, A DE CORP. (2)
4,723,212 Method and apparatus for dispensing discount coupons	409	1987
4,910,672 Method and apparatus for dispensing discount coupons	393	1987
CHECKFREE CORPORATION (2)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans	523	1991
6,289,322 Electronic bill processing	266	1998
CITICORP (2)
5,914,472 Credit card spending authorization control system	346	1997
6,188,309 Method and apparatus for minimizing credit card fraud	86	1998
CITICORP DEVELOPMENT CENTER, INC. (2)
5,963,647 Method and system for transferring funds from an account to an individual	182	1997
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal	86	1998
DECISIONING.COM, INC. (2)
5,870,721 System and method for real time loan approval	494	1996
5,940,811 Closed loop financial transaction method and apparatus	365	1996
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (2)
5,777,305 Package assembly and method for activating prepaid debit cards	226	1996
D533220 Card assembly with vertical magnetic stripes	54	2004
EVERY PENNY COUNTS, INC. (2)
6,112,191 Method and system to create and distribute excess funds from consumer spending transactions	226	1995
6,876,971 Funds distribution system connected with point of sale transaction	65	2000
EXXON RESEARCH AND ENGINEERING COMPANY (2)
5,072,380 Automatic vehicle recognition and customer billing system	136	1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer	132	1993
FINANCIAL ENGINEERING ASSOCIATES, INC. (2)
5,819,237 System and method for determination of incremental value at risk for securities trading	219	1996
6,122,623 Watershed method for controlling cashflow mapping in value at risk determination	92	1998
FIRST USA BANK, N.A. (2)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants	171	1998
6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium	157	1999
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems	91	2002
2004/0243,498 Interest bearing gift card mechanisms	68	2004
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card	160	1995
5,832,488 Computer system and method for storing medical histories using a smartcard to store data	198	1997
INTELLECT AUSTRALIA PTY LTD. (2)
6,091,817 Host and user transaction system	110	1997
6,095,412 Host and user transaction system	119	1997
LEIGHTON TECHNOLOGIES LLC (2)
6,036,099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom	184	1997
6,557,766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process	60	2000
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers	81	1994
6,295,344 Telephone travel card system under the control of its customers	30	1998
MICRO ENHANCEMENT INTERNATIONAL (2)
5,857,175 System and method for offering targeted discounts to customers	407	1995
6,484,146 System for offering targeted discounts to customers and collecting purchasing behavior data	43	1997
MOORE NORTH AMERICA, INC. (2)
5,760,381 Prepaid card	185	1996
2002/0046,089 Targeted advertising brochure and method for its use	54	2000
MOTOROLA MOBILITY LLC (2)
5,777,903 Solar cell powered smart card with integrated display and interface keypad	232	1996
6,265,977 Radio frequency identification tag apparatus and related method	319	2000
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system	235	1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card	224	1996
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,948,174 Financial data processing system	219	1989
5,121,945 Financial data processing system	222	1990
PAYPAL INTERNATIONAL LIMITED (2)
5,897,621 System and method for multi-currency transactions	164	1996
6,295,522 Stored-value card value acquisition method and apparatus	150	1997
PRICELINE.COM INCORPORATED (2)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers	1302	1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets	390	1997
SEIKO EPSON CORPORATION (2)
6,961,710 Method for billing for advertisements printed on check-out receipts	30	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	28	2003
SMART CARD, LLC (2)
5,530,232 Multi-application data card	398	1993
5,578,808 Data card that can be used for transactions involving separate card issuers	405	1995
SWYCHCO SUPPORT SERVICES PTY. LTD. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts	274	1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts	182	1997
TELETOUCH COMMUNICATIONS, INC. (2)
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts	29	2005
7,252,223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts	43	2005
THIRD ACT LLC (2)
6,044,360 Third party credit card	242	1997
2004/0093,303 Third party debit card	77	2003
VERIZON SERVICES CORP. (2)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors	181	1995
5,621,787 Prepaid cash card	227	1995
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device	62	2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems	36	2004
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card	63	1998
A.W. FABER-CASTEL U.S.A. (1)
6,484,428 Double-sided magnet with graphical image on each side	36	2000
ACCENTURE GLOBAL SERVICES LIMITED (1)
6,895,383 Overall risk in a system	63	2002
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements	49	2005
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system	563	1996
ADHESIVES TECHNOLOGY CORPORATION 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack	40	1991
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program	460	1995
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method	132	2001
ALLCARD FINANCIAL SERVICES, INC. (1)
2005/0049,950 Method for depositing funds to a stored value card	46	2004
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance	231	1995
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance	158	1994
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions	63	2004
AMAZON.COM, INC. (1)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network	423	1995
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards	297	1981
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system	79	2001
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system	126	1992
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same	233	2000
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan	118	1998
ASSA ABLOY AB (1)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol	63	1995
ASSURANT SOLUTIONS (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer	30	2004
ASSURED EQUITIES, INC. (1)
6,064,985 Automated portfolio management system with internet datafeed	207	1998
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer	111	1985
AT&T BELL LABORATORIES (1)
5,311,594 Fraud protection for card transactions	258	1993
AT&T INTELLECTUAL PROPERTY II, L.P. (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet	317	1997
ATTITUDE MEASUREMENT CORPORATION (1)
5,489,123 Packaging label including pre-approved incentive card	58	1995
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card	238	1994
BAE SYSTEMS INFORMATION AND ELECTRONIC SYSTEMS INTEGRATION INC. (1)
2003/0163,415 System and method for transfer of funds between individuals	7	2002
BANK OF MONTREAL (1)
2003/0167,218 Modular financial service instrument	19	2002
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system	137	1998
BLANE, CANADA LTD. (1)
6,757,660 Method for analyzing information to provide an objective assessment of a predefined subject	35	1999
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system	328	1996
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions	355	1994
BOWIE, STUART S. (1)
6,195,644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users	130	1999
BROADVISION (1)
5,710,887 Computer system and method for electronic commerce	1214	1995
BRUBAKER, RANDALL E. (1)
6,186,793 Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events	96	1997
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers	93	1988
BULL S.A. (1)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment	76	1991
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal	166	1996
C.A. TRANSFER LIMITED LIABILITY COMPANY (1)
6,554,184 Automatic instant money transfer machine	99	2000
CANON KABUSHIKI KAISHA (1)
D305887 Optically stored data card	81	1988
CARALINA MARKETING INTERNATIONAL, INC. (1)
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history	287	1997
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment	230	1998
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities	323	1990
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value	30	2005
CARLSON MARKETING WORLDWIDE, INC. (1)
6,138,911 In-store points redemption system and method	148	1999
CASH TECHNOLOGIES, INC. (1)
6,308,887 Multi-transactional architecture	263	1999
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons	352	1995
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment	91	1999
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option	129	1995
CLEARING HOUSE PAYMENTS COMPANY L.L.C., THE (1)
6,173,272 Electronic funds transfer method and system and bill presentment method and system	182	1998
COINSTAR, INC. (1)
6,349,972 Coin-discriminator voucher anti-counterfeiting method and apparatus	58	1999
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities	181	1994
COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
5,532,689 Method of transmitting data quickly and securely from a smart card during a remote transaction	64	1994
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program	93	2001
COMPUTERIZED DATA SSYTEMS FOR MFG., INC. (1)
5,049,728 IC card system with removable IC modules	196	1990
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device	420	1995
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models	32	2004
CORPRA RESEARCH, INC. (1)
4,575,621 Portable electronic transaction device and system therefor	341	1984
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons	260	1991
CRISIS TECHNOLOGIES, INC. (1)
2004/0103,431 Method and system for emergency planning and management of a facility	55	2002
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system	487	1994
DAI NIPPON PRINTING CO., LTD. (1)
6,002,383 Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back	98	1996
DATASCAPE, INC. (1)
6,366,967 OPEN NETWORK SYSTEM FOR I/O OPERATION INCLUDING A COMMON GATEWAY INTERFACE AND AN EXTENDED OPEN NETWORK PROTOCOL WITH NON-STANDARD I/O DEVICES UTILIZING DEVICE AND IDENTIFIER FOR OPERATION TO BE PERFORMED WITH DEVICE	54	1999
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers	387	1993
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals	143	2000
DELIVERM CONSULTING B.V., LLC (1)
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability	50	2003
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment	111	1999
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus	272	1989
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag	78	2001
DITTLER BROTHERS INCORPORATED (1)
4,817,949 Automated teller machine transaction receipts with integral promotional game	40	1987
DOUBLECREDIT.COM, INC. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability	192	2000
DS-IQ, INC. (1)
6,330,543 Method and system for distributing and reconciling electronic promotions	155	1998
E-SCORING, INC. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants	103	2000
E-VANTAGE INTERNATIONAL, INC. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market	166	2001
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network	82	2000
ELECTRONIC CONSUMER CONCEPTS, L.L.C. (1)
5,845,259 Electronic coupon dispensing system	318	1996
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations	54	1989
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method	1100	1995
EUROPRINT HOLDINGS LIMITED (1)
2004/0242,308 Games of chance using a cash till roll	27	2004
EXECUTING THE NUMBERS, INC. (1)
6,119,097 System and method for quantification of human performance factors	85	1997
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences	452	1996
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities	236	1998
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process	92	2002
FIRST MARKETRUST INTL. (1)
5,537,314 Referral recognition system for an incentive award program	579	1995
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments	805	1995
FLEX JAPAN INC. (1)
4,789,928 Auction information transmission processing	574	1987
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics	139	1984
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system	59	2000
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections	106	1997
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number	170	1997
FREDDIE MAC (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments	41	2004
FUTURELOGIC, INC. (1)
2006/0039,733 Method and apparatus for voucher and coupon printing in a gaming or vending environment	33	2005
GALAXIA COMMUNICATIONS INC. (1)
6,793,135 Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards	47	2001
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions	329	1997
GEMALTO SA (1)
5,901,303 Smart cards, systems using smart cards and methods of operating said cards in systems	133	1996
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments	49	2005
GENWORTH FINANCIAL, INC. (1)
6,912,502 System and method for compliance management	69	1999
GIESECKE & DEVRIENT GMBH (1)
6,343,743 Method of checking authenticity of a data carrier	58	1998
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates	135	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	39	1990
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system	40	2004
GTECH PRINTING CORPORATION (1)
6,134,309 Pre-paid phone card system with promotional link	81	1997
H-RENEE, INCORPORATED (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications	996	1989
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure	278	1990
HEWLETT-PACKARD COMPANY (1)
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument	449	1996
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
6,732,919 System and method for using a multiple-use credit card	115	2002
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader	107	1997
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems	330	1996
IGT (1)
6,377,669 Method and apparatus for awarding and redeeming prepaid telephone time	58	1998
IN-STORE BROADCASTING NETWORK, LLC (1)
2005/0234,771 Method and system for providing intelligent in-store couponing	43	2005
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head	194	1993
INTEGRATED TECHNOLOGICAL SYSTEMS, INC. (1)
2008/0195,541 Integrated technology money transfer system	10	2008
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons	334	1995
INTELLICARD INTERNATIONAL, INC. (1)
4,614,861 Unitary, self-contained card verification and validation system and method	489	1984
INTELLIGENT IDEATION, INC. (1)
6,463,039 Method and apparatus for full duplex sideband communication	103	1998
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards	191	1995
INTERMEC IP CORP. (1)
6,529,880 Automatic payment system for a plurality of remote merchants	157	1999
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card	63	2000
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions	205	1987
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system	222	1995
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods	119	2000
IZER INTERNATIONAL, A CORP. OF CA (1)
4,643,452 Business card attaching strip	86	1985
J.J. & ASSOCIATES INC. (1)
2002/0082,990 Method of invoice presentation and payment	69	2000
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system	36	2004
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5,339,239 Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal	228	1990
JEFFERSON CAPITAL SYSTEMS, LLC (1)
2005/0102,228 System and method for providing a credit account for debt recovery	29	2003
JOVE CORPORATION (1)
2006/0277,144 SYSTEM AND METHOD FOR SECURE ELECTRONIC FUND TRANSFERS	10	2006
JP MORGAN CHASE (1)
2005/0027,649 Event typer	73	2004
JUERGEN DETHLOFF (1)
4,837,422 Multi-user card system	385	1987
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	124	1997
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility	117	1998
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing	37	2002
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags	93	2001
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system	186	1985
LDC DIRECT LTD. (1)
6,169,975 Point-of-distribution pre-paid card vending system	134	1997
LEAD CORE FUND, L.L.C. (1)
7,216,091 Stored value transaction system including an integrated database server	67	1999
LENDING TREE. THE (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet	189	1998
LEVEL Z, L.L.C. (1)
2002/0165,820 Prepaid electronic cash system with pin vending machines	67	2001
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method	76	2001
LICENSYS PTY LTD (1)
D538349 Number plate	36	2005
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment	129	1985
LIVINGSTON INTERNATIONAL TECHNOLOGY SERVICES CORPORATION (1)
2009/0150,370 System and Method For Restricted Party Screening and Resolution Services	16	2007
LOBAR CODE INC. (1)
5,665,953 Self-contained personal data collector for redeeming coupons	149	1996
LOSIPIAL WIRELESS, LLC (1)
6,182,894 Systems and methods for authorizing a transaction card	171	1998
LUCKY TAB HOLDINGS, LLC (1)
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6,454,647 Method and system for automated collect and win sweepstakes for ATM transactions	27	1999
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THE COCA-COLA COMPANY (1)
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THE HARRISON COMPANY, LLC (1)
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6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer	81	1997
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6,148,297 Health care information and data tracking system and method	132	1998
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UNION STATE BANK (1)
7,006,992 Risk assessment and management system	90	2000
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VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program	142	1999
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5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof	90	1998
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5,352,877 Non-contact transaction system with token presence detection	39	1992
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6,128,599 Method and apparatus for processing customized group reward offers	287	1997
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	315	1995
WAY AHEAD IP LLC (1)
5,905,246 Method and apparatus for coupon management and redemption	266	1996
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service	228	1995
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6,006,988 Non-cash media card and process of dispensing from automated teller	132	1997
WEEKS, STEPHEN M. (1)
7,346,567 Conditional fee ownership home financing system and business method	27	2002
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6,105,011 Security system and method for business transactions with customers	151	1998
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WYNN; SOL H. (1)
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2003/0110,111 Home equity insurance financial product	43	2002
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6,061,660 System and method for incentive programs and award fulfillment	421	1998
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5,805,719 Tokenless identification of individuals	313	1997
ZIH CORP. (1)
5,680,459 Passive transponder	96	1995
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (80)
4,338,587 Toll collection system	87	1980
4,582,985 Data carrier	330	1982
4,669,730 Automated sweepstakes-type game	317	1984
4,700,055 Multiple credit card system	262	1985
5,025,139 Redeemable coupon disbursement control and reporting system	105	1987
4,941,090 Centralized consumer cash value accumulation system for multiple merchants	251	1989
5,192,947 Credit card pager apparatus	302	1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants	319	1990
5,206,803 System for enhanced management of pension-backed credit	227	1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants	403	1991
5,297,026 System for promoting account activity	247	1992
5,359,183 Payment card with display	134	1992
5,326,959 Automated customer initiated entry remittance processing system	320	1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants	374	1992
5,413,341 Equipment for, and methods of playing, a prize drawing game of chance	37	1993
5,343,529 Transaction authentication using a centrally generated transaction identifier	148	1993
5,774,882 Credit approval system	166	1993
5,397,881 Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner	137	1993
5,457,305 Distributed on-line money access card transaction processing system	207	1994
5,585,787 Programmable credit card	322	1994
5,477,040 Structure for a method of facilitating charge transactions	197	1994
5,745,706 Computer system and related equipment for spending and investment account management	181	1994
5,689,650 Community reinvestment act network	258	1995
5,677,521 Personal identification and credit information system and method of performing transaction	42	1995
5,787,404 Credit-card based retirement fund system and method	167	1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants	198	1996
5,907,142 Fraud resistant personally activated transaction card	139	1996
5,955,961 Programmable transaction card	283	1996
5,953,710 Children's credit or debit card system	450	1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram	136	1997
5,984,180 Method and system for gift credit card	138	1997
H1794 Secure money transfer techniques using hierarchical arrangement of smart cards	57	1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account	139	1997
6,078,891 Method and system for collecting and processing marketing data	199	1997
6,085,976 Travel system and methods utilizing multi-application passenger cards	261	1998
6,324,526 System and method for performing secure credit card purchases	103	1999
2002/0059,139 SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION	73	1999
6,422,462 Apparatus and methods for improved credit cards and credit card transactions	200	1999
6,145,741 Universal pre-paid gasoline and travel card	104	1999
6,330,939 Device and method for determining the authenticity of documents	10	1999
6,385,591 Method and system for electronic organization of coupons	171	1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle	214	1999
6,327,575 Point of sale terminal for the visually impaired	83	2000
6,609,658 Travel system and methods utilizing multi-application traveler cards	97	2000
6,868,426 Virtual document organizer system and method	98	2000
6,769,605 Money transfer system	40	2000
6,409,593 Drawing for winners over the internet	29	2000
6,561,657 Credit card pocket mirror and miniature billboard	58	2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan	71	2000
2002/0116,330 Wireless communicating credit card	87	2001
2002/0143,703 Internet cash card	65	2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched	130	2001
6,481,125 Combination postcard and peel-off sticker	40	2001
2002/0032,609 Calendar transaction manager agent, systems and methods	54	2001
2002/0026,426 Method of accessing the internet via the use of automated teller machines	20	2001
2002/0019,793 Method and system for implementing a combined investment	47	2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards	94	2001
D468789 Wheeled body board	28	2001
6,607,127 Magnetic stripe bridge	131	2001
2002/0065,720 Online promotion redemption control	31	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	97	2002
2002/0120,627 Virtual document organizer system and method	71	2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations	54	2002
2002/0174,016 Multiple accounts and purposes card method and system	137	2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants	69	2002
D476681 Bank check	38	2002
6,942,569 Drawing for winners over the internet using receipts and zipcodes	25	2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means	72	2002
D485573 Combined business card with bar code, laser punched holes and radio frequency IC	47	2003
2003/0195,808 Managing retailer product disbursement	71	2003
D495736 Postcard form for maintaining privacy of information contained thereon	38	2003
2004/0024,672 Customer activated multi-value (CAM) card	86	2003
2004/0128,195 System and method for processing transactions	22	2003
2004/0149,544 Scraping and cleaning device for conveyor belts	42	2004
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means	62	2004
2005/0086,160 Method for implementing anonymous credit card transactions using a fictitious account name	107	2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means	114	2004
2006/0131,869 Methods for use in alerting others that animals are in need of care	27	2005
D551705 Magnetic, sandwich-type bookmark	45	2006
2008/0203,150 SYSTEM AND METHOD FOR CREATING DIGITAL CURRENCY	5	2008

Patent Citation Ranking

Forward Cites

Patent Info	# Cites	Year
JPMORGAN CHASE BANK, N.A. (3)
8,078,528 System and method for providing borrowing schemes	3	2009
8,190,522 System and method for providing borrowing schemes	0	2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers	0	2009

Maintenance Fees

Fee	Large entity fee	small entity fee	micro entity fee	due date
3.5 Year Payment	$1600.00	$800.00	$400.00	Oct 19, 2014
7.5 Year Payment	$3600.00	$1800.00	$900.00	Oct 19, 2018
11.5 Year Payment	$7400.00	$3700.00	$1850.00	Oct 19, 2022

Fee	Large entity fee	small entity fee	micro entity fee
Surcharge - 3.5 year - Late payment within 6 months	$160.00	$80.00	$40.00
Surcharge - 7.5 year - Late payment within 6 months	$160.00	$80.00	$40.00
Surcharge - 11.5 year - Late payment within 6 months	$160.00	$80.00	$40.00
Surcharge after expiration - Late payment is unavoidable	$700.00	$350.00	$175.00
Surcharge after expiration - Late payment is unintentional	$1,640.00	$820.00	$410.00

US Family Size	International Coverage
Patent Longevity	Forward Citations