US Patent No: 7,949,574

Number of patents in Portfolio can not be more than 2000

Personalized interactive network architecture

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ALSO PUBLISHED AS: 20080086402
ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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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Related Publications

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY2027

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Caiazzo, Anthony New York, NY 13 57
Holme, Jennifer New York, NY 20 141
Patel, Ameet New York, NY 15 57

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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MICROSOFT CORPORATION (4)
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6,615,190 Sponsor funded stored value card 188 2000
 
NCR CORPORATION (3)
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5,770,843 Access card for multiple accounts 303 1996
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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 152 1997
 
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6,189,787 Multifunctional card system 380 1999
 
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5,080,748 Card assembly apparatus 157 1990
 
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5,940,811 Closed loop financial transaction method and apparatus 447 1996
 
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6,675,127 Computerized systems and methods for managing project issues and risks 80 2001
 
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6,574,603 In-vehicle ordering 149 1998
 
Intellect Australia Pty Ltd. (2)
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6,095,412 Host and user transaction system 134 1997
 
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5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 252 1996
 
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 1472 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 455 1997
 
SMART CARD, LLC (2)
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5,578,808 Data card that can be used for transactions involving separate card issuers 447 1995
 
SONY CORPORATION (2)
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5,845,260 System and method for parent-controlled charging for on-line services 211 1996
 
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5,350,906 Currency transfer system and method using fixed limit cards 437 1992
 
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2003/0163,403 Method and system for providing a weighted average aggregated accounts report 136 2002
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 163 1994
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 205 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 250 1995
 
VANTIV, LLC (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 399 1994
 
VERIZON SERVICES CORP. (1)
5,621,787 Prepaid cash card 262 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 169 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 99 1998
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 354 1997
 
WALKER DIGITAL, LLC (1)
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 142 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 373 1995
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 279 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 146 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 176 1998
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 381 1995
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 113 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 177 1996
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 366 1997
 
Other [Check patent profile for assignment information] (27)
4,582,985 Data carrier 360 1982
4,700,055 Multiple credit card system 297 1985
4,908,321 Radio-active method for determining trace amounts of peroxide 3 1989
5,192,947 Credit card pager apparatus 326 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 370 1990
5,206,803 System for enhanced management of pension-backed credit 259 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 468 1991
5,297,026 System for promoting account activity 280 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 434 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 149 1993
5,585,787 Programmable credit card 375 1994
5,745,706 Computer system and related equipment for spending and investment account management 202 1994
5,689,650 Community reinvestment act network 297 1995
5,787,404 Credit-card based retirement fund system and method 189 1995
5,955,961 Programmable transaction card 324 1996
5,953,710 Children's credit or debit card system 527 1996
5,685,291 Nebulizer adapter system for premature babies 27 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 146 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 160 1997
6,078,891 Method and system for collecting and processing marketing data 231 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 236 1999
6,145,741 Universal pre-paid gasoline and travel card 116 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 254 1999
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 81 2000
2002/0143,703 Internet cash card 75 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 109 2001
2003/0195,808 Managing retailer product disbursement 80 2003

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
 
Other [Check patent profile for assignment information] (1)
8,600,874 Venture capital transaction with a university scholarship 0 2010

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