US Patent No: 7,949,574

Number of patents in Portfolio can not be more than 2000

Personalized interactive network architecture

ALSO PUBLISHED AS: 20080086402

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising a channel interface for interfacing with the channel, an information/product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and information/product/service interface, the knowledge management system comprising a knowledge management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system, and further storing information concerning a plurality of information/products/services to offer to the user, and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user over the communication channel based on the stored information in the knowledge management repository.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1926

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Caiazzo, Anthony New York, NY 13 79
Holme, Jennifer New York, NY 20 171
Patel, Ameet New York, NY 15 79

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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4,906,826 Usage promotion method for payment card transaction system 143 1988
4,870,259 Transaction approval system 119 1989
4,943,707 Transaction approval system 160 1989
5,477,038 Method and apparatus for distributing currency 446 1993
5,465,206 Electronic bill pay system 770 1993
RE36365 Method and apparatus for distributing currency 273 1996
5,920,847 Electronic bill pay system 701 1996
RE37122 Method and apparatus for distributing currency 218 1998
6,298,336 Card activation at point of distribution 230 1998
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5,455,407 Electronic-monetary system 418 1995
5,799,087 Electronic-monetary system 241 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 285 1996
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5,953,423 Electronic-monetary system 172 1997
5,963,648 Electronic-monetary system 234 1997
6,047,067 Electronic-monetary system 277 1997
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6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 166 1999
 
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5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 462 1995
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5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 756 1995
5,710,886 Electric couponing method and apparatus 548 1995
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5,365,575 Telephonic-interface lottery system 186 1991
5,553,120 Telephonic-interface game control system 126 1993
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ACTIVCARD IRELAND LIMITED (5)
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ASSA ABLOY AB (5)
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5,857,079 Smart card for automatic financial records 321 1994
5,729,693 System and method to automatically provide an electronic consumer rebate 246 1996
 
PHOENIX LICENSING, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 464 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 327 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 153 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 130 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 124 2003
 
CHASE MANHATTAN BANK, THE (4)
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6,038,552 Method and apparatus to process combined credit and debit card transactions 219 1997
6,167,385 Supply chain financing system and method 197 1998
2002/0095,365 Corporate products trading marketplace 130 2001
 
INTER*ACT SYSTEMS, INCORPORATED (4)
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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 434 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 334 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 384 1994
 
MICROSOFT CORPORATION (4)
5,852,812 Billing system for a network 551 1995
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6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 571 1997
 
PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA (4)
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
2003/0193,657 Range finder device and camera 5 2003
 
AT&T CORP. (3)
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5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 183 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 110 1998
 
AT&T IPM CORP. (3)
5,479,494 Virtual calling card system 268 1992
5,450,477 Monitoring of charges debited to an account having an assigned limit 157 1993
5,708,422 Transaction authorization and alert system 457 1995
 
CHASE MANHATAN BANK USA, N.A. (3)
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6,032,136 Customer activated multi-value (CAM) card 419 1998
6,615,190 Sponsor funded stored value card 217 2000
 
NCR CORPORATION (3)
4,634,845 Portable personal terminal for use in a system for handling transactions 293 1984
5,770,843 Access card for multiple accounts 338 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 507 1998
 
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 335 1995
5,806,044 System and method for distributing coupons through a system of computer networks 367 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 176 1997
 
VERIZON PATENT AND LICENSING INC. (3)
5,621,787 Prepaid cash card 293 1995
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 91 2001
* 2005/0216,421 Integrated business systems for web based telecommunications management 361 2005
 
ALEXSAM, INC. (2)
6,000,608 Multifunction card system 390 1997
6,189,787 Multifunctional card system 429 1999
 
Bostec Systems, Inc. (2)
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5,080,748 Card assembly apparatus 171 1990
 
Call Processing, Inc. (2)
5,511,114 Telephone pre-paid calling card system and method 323 1994
5,721,768 Pre-paid card system and method 316 1996
 
DECISIONING.COM, INC. (2)
5,870,721 System and method for real time loan approval 673 1996
5,940,811 Closed loop financial transaction method and apparatus 533 1996
 
GENERAL ELECTRIC COMPANY (2)
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 156 1998
6,675,127 Computerized systems and methods for managing project issues and risks 90 2001
 
GILBARCO INC. (2)
6,078,888 Cryptography security for remote dispenser transactions 225 1997
6,574,603 In-vehicle ordering 172 1998
 
III HOLDINGS 1, LLC (2)
6,581,839 Transaction card 190 2000
2001/0054,003 System and method for using loyalty points 337 2001
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 137 1997
6,095,412 Host and user transaction system 149 1997
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 297 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 276 1996
 
PRICELINE.COM LLC (2)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1629 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 493 1997
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 478 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 526 1995
 
SONY CORPORATION (2)
5,175,418 Information card system 63 1990
5,845,260 System and method for parent-controlled charging for on-line services 242 1996
 
THE WESTERN UNION COMPANY (2)
5,326,960 Currency transfer system and method 218 1992
5,350,906 Currency transfer system and method using fixed limit cards 474 1992
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 707 1996
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 596 1995
 
ALCATEL-LUCENT USA INC. (1)
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AMAZON.COM, INC. (1)
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2003/0023,549 Consolidated payment account system and method 121 2002
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 353 2000
 
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5,236,959 Process for recycling polyester/cotton blends 8 1992
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 169 1998
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 325 1993
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 322 1994
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 86 2002
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 193 1998
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 433 1996
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 456 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 175 1999
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1442 1995
 
Brubaker, Randall E. (1)
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CARALINA MARKETING INTERNATIONAL, INC. (1)
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 409 1997
 
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6,065,675 Processing system and method for a heterogeneous electronic cash environment 300 1998
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 400 1990
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 457 1995
 
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2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 65 2001
 
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2003/0105,672 Method and apparatus to facilitate payment over a computer network 114 2000
 
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6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 393 1998
 
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6,016,954 Card holder-type balance reader 134 1997
 
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6,070,147 Customer identification and marketing analysis systems 480 1996
 
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* 6,970,922 Network for targeting individual operating a microcomputer regardless of his location 24 1999
 
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5,604,542 Using the vertical blanking interval for transporting electronic coupons 409 1995
 
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5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 247 1995
 
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6,641,050 Secure credit card 176 2001
 
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2002/0091,631 E financial gift card 81 2000
 
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5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy 277 1995
 
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* 6,223,983 Interactive point access financial and information system 107 1999
 
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6,295,522 Stored-value card value acquisition method and apparatus 206 1997
 
Pennsylvania Food Merchants Association (1)
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TWEETER INTELLECTUAL PROPERTY, LLC (1)
5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 132 1994
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 151 2002
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 177 1994
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 239 1994
 
USA TECHNOLOGIES, INC. (1)
5,637,845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine 274 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 197 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 111 1998
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 413 1997
 
WALKER DIGITAL, LLC (1)
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 157 1999
 
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 420 1995
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 342 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 165 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 192 1998
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 423 1995
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 133 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 194 1996
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 408 1997
 
Other [Check patent profile for assignment information] (27)
4,582,985 Data carrier 388 1982
4,700,055 Multiple credit card system 332 1985
4,908,321 Radio-active method for determining trace amounts of peroxide 3 1989
5,192,947 Credit card pager apparatus 343 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 427 1990
5,206,803 System for enhanced management of pension-backed credit 276 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 529 1991
5,297,026 System for promoting account activity 311 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 490 1992
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 163 1993
5,585,787 Programmable credit card 432 1994
5,745,706 Computer system and related equipment for spending and investment account management 219 1994
5,689,650 Community reinvestment act network 319 1995
5,787,404 Credit-card based retirement fund system and method 210 1995
5,955,961 Programmable transaction card 376 1996
5,953,710 Children's credit or debit card system 607 1996
5,685,291 Nebulizer adapter system for premature babies 29 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 158 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 178 1997
6,078,891 Method and system for collecting and processing marketing data 261 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 285 1999
6,145,741 Universal pre-paid gasoline and travel card 127 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 288 1999
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 93 2000
2002/0143,703 Internet cash card 86 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 124 2001
2003/0195,808 Managing retailer product disbursement 90 2003
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Leadfusion Incorporated (1)
8,566,208 Bimodal computer-based system for selling financial products 0 2012
 
NOKIA CORPORATION (1)
* 2013/0073,485 METHOD AND APPARATUS FOR MANAGING RECOMMENDATION MODELS 0 2011
 
THE PNC FINANCIAL SERVICES GROUP, INC. (1)
* 8,856,807 Alert event platform 0 2011
 
VODAFONE HOLDING GMBH (1)
* 2011/0012,715 PROVISION OF A TAG-BASED SERVICE USING A BROKER SERVER 1 2010
 
WHATSNEXX MARKETING AUTOMATION INC. (1)
* 2012/0296,691 System and Method for Designing and Executing Subject-State Engine Workflows 0 2011
 
Other [Check patent profile for assignment information] (2)
* 8,600,874 Venture capital transaction with a university scholarship 0 2010
* 2011/0167,019 Venture capital transaction with a university scholarship 0 2010
* Cited By Examiner

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