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

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1929

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Caiazzo, Anthony New York, NY 13 80
Holme, Jennifer New York, NY 20 172
Patel, Ameet New York, NY 15 80

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (27)
4,582,985 Data carrier 388 1982
4,700,055 Multiple credit card system 335 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 430 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 533 1991
5,297,026 System for promoting account activity 311 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 493 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 164 1993
5,585,787 Programmable credit card 435 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 380 1996
5,953,710 Children's credit or debit card system 613 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 262 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 291 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
 
MOORE NORTH AMERICA, INC. (1)
5,760,381 Prepaid card 233 1996
 
LDC Direct Ltd. (1)
6,169,975 Point-of-distribution pre-paid card vending system 169 1997
 
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 244 1996
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 724 1987
 
VISA INTERNATIONAL SERVICE ASSOCIATION (12)
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 317 1986
4,822,985 Transaction approval system 124 1987
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 161 1989
5,477,038 Method and apparatus for distributing currency 451 1993
5,465,206 Electronic bill pay system 772 1993
RE36365 Method and apparatus for distributing currency 276 1996
5,920,847 Electronic bill pay system 704 1996
RE37122 Method and apparatus for distributing currency 220 1998
6,298,336 Card activation at point of distribution 230 1998
RE38255 Method and apparatus for distributing currency 144 2001
 
ALEXSAM, INC. (2)
6,000,608 Multifunction card system 393 1997
6,189,787 Multifunctional card system 435 1999
 
DECISIONING.COM, INC. (2)
5,870,721 System and method for real time loan approval 674 1996
5,940,811 Closed loop financial transaction method and apparatus 534 1996
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 348 1995
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 402 1990
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 83 1997
 
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 337 1995
5,806,044 System and method for distributing coupons through a system of computer networks 369 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
 
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 161 1995
 
GILBARCO INC. (2)
6,078,888 Cryptography security for remote dispenser transactions 228 1997
6,574,603 In-vehicle ordering 174 1998
 
LEVEL Z, L.L.C. (1)
2002/0165,820 Prepaid electronic cash system with pin vending machines 88 2001
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 323 1996
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment 157 1985
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 157 1998
 
CHASE MANHATAN BANK USA, N.A. (3)
6,615,189 Debit purchasing of stored value card for use by and/or delivery to others 172 1998
6,032,136 Customer activated multi-value (CAM) card 424 1998
6,615,190 Sponsor funded stored value card 217 2000
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (6)
5,218,631 Telephonic-interface game control system 167 1990
5,365,575 Telephonic-interface lottery system 187 1991
5,553,120 Telephonic-interface game control system 126 1993
5,349,633 Telephonic-interface game control system 136 1994
5,787,156 Telephonic-interface lottery system 163 1994
5,835,576 Telephonic-interface lottery device 177 1997
 
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method 96 2001
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 111 1998
 
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method 222 1997
 
CHASE MANHATTAN BANK, THE (4)
5,819,234 Toll collection system 202 1996
6,038,552 Method and apparatus to process combined credit and debit card transactions 220 1997
6,167,385 Supply chain financing system and method 197 1998
2002/0095,365 Corporate products trading marketplace 132 2001
 
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system 549 1994
 
CAPITAL ONE FINANCIAL CORPORATION (1)
5,933,817 Tiered interest rate revolving credit system and method 240 1996
 
CATALINA MARKETING CORPORATION (8)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 470 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 598 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 464 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 554 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 760 1995
5,710,886 Electric couponing method and apparatus 550 1995
5,974,399 Method and apparatus for generating purchase incentives based on price differentials 289 1997
6,336,099 Method and system for electronic distribution of product redemption coupons 242 1998
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 299 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 277 1996
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 459 1995
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 128 1996
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 194 1996
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 195 1998
 
Meridian Enterprises, Inc. (1)
5,025,372 System and method for administration of incentive award program through use of credit 628 1989
 
M.A. Rivalto, Inc. (1)
5,482,139 Automated drive-up vending facility 239 1995
 
TRANSILWRAP COMPANY, INC. (1)
4,545,838 Lamination product and method employing temporary transfer film 134 1983
 
CARALINA MARKETING INTERNATIONAL, INC. (1)
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 412 1997
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 219 1987
 
SMART CARD, LLC (2)
5,530,232 Multi-application data card 480 1993
5,578,808 Data card that can be used for transactions involving separate card issuers 529 1995
 
Pennsylvania Food Merchants Association (1)
5,581,064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 196 1994
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 125 1998
 
The United States of America as represented by the Secretary of the Navy (1)
6,397,202 System and method for monitoring risk in a system development program 116 1999
 
INNOVATION FUND III LLC (1)
* 6,970,922 Network for targeting individual operating a microcomputer regardless of his location 24 1999
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 300 1998
 
PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA (4)
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
2003/0193,657 Range finder device and camera 7 2003
 
MOTOROLA MOBILITY LLC (1)
6,265,977 Radio frequency identification tag apparatus and related method 356 2000
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 435 1994
 
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 343 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 508 1998
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 127 1997
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 166 1997
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 348 1986
 
PRIVASYS, INC. (1)
2003/0061,168 Method for generating customer secure card numbers 21 2001
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 350 1995
 
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card 81 2000
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 709 1996
 
AMAZON.COM, INC. (1)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 574 1995
 
E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (1)
5,777,305 Package assembly and method for activating prepaid debit cards 285 1996
 
MASTERCARD INTERNATIONAL INCORPORATED (7)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 490 1988
5,705,798 System and method for processing a customized financial transaction card 262 1994
5,692,132 System and method for conducting cashless transactions on a computer network 538 1995
5,699,528 System and method for bill delivery and payment over a communications network 1014 1995
5,704,046 System and method for conducting cashless transactions 323 1996
6,473,500 System and method for using a prepaid card 451 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 138 2001
 
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 188 2001
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 171 1998
 
S/B Exchange Enterprises, Inc. (1)
2003/0004,828 Prepaid card authorization and security system 140 2002
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 474 1995
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 343 1999
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 268 1998
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 412 1997
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 423 1997
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 217 1994
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 143 1999
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 337 1989
 
Lobar Code Inc. (1)
5,665,953 Self-contained personal data collector for redeeming coupons 187 1996
 
Minerva, L.P. (1)
5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy 277 1995
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 151 2002
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 199 1999
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 104 2001
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5,806,045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 521 1996
 
FIRST USA BANK, N.A. (1)
6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium 198 1999
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 101 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 131 1999
6,434,259 Method of providing secure user access 114 1999
6,429,927 Imaging device, especially for optical fingerprinting 107 1999
6,498,861 Biometric security encryption system 115 2000
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 545 1992
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 484 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 149 1999
 
NATIONAL CITY BANK (1)
* 6,223,983 Interactive point access financial and information system 107 1999
 
III HOLDINGS 1, LLC (2)
6,581,839 Transaction card 191 2000
2001/0054,003 System and method for using loyalty points 342 2001
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 371 1997
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 324 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
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1446 1995
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 152 2003
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 584 1996
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 485 1984
 
RETIREMENT CAPITAL ACCESS MANAGEMENT COMPANY LLC (1)
6,625,582 Method and system for converting a designated portion of future social security and other retirement payments to current benefits 113 1999
 
EBAY INC. (1)
* 6,487,539 Semantic based collaborative filtering 79 1999
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 241 1994
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 198 1999
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 273 1994
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 192 1998
 
CITIBANK, N.A. (10)
5,453,601 Electronic-monetary system 729 1991
5,455,407 Electronic-monetary system 420 1995
5,799,087 Electronic-monetary system 242 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 286 1996
5,920,629 Electronic-monetary system 317 1997
5,953,423 Electronic-monetary system 172 1997
5,963,648 Electronic-monetary system 234 1997
6,047,067 Electronic-monetary system 277 1997
6,098,053 System and method for performing an electronic financial transaction 479 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 166 1999
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 457 1994
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 272 1998
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 382 1998
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 383 1988
 
THE WESTERN UNION COMPANY (2)
5,326,960 Currency transfer system and method 219 1992
5,350,906 Currency transfer system and method using fixed limit cards 478 1992
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 134 1997
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 247 1991
 
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 453 1993
 
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 275 1990
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 130 1999
 
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 124 1997
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 133 1997
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 740 1995
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 354 2000
 
ASSA ABLOY AB (5)
5,737,421 System for controlling access to a function having clock synchronization 125 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 203 1996
5,887,065 System and method for user authentication having clock synchronization 180 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 170 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 116 2000
 
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 1633 1996
5,897,620 Method and apparatus for the sale of airline-specified flight tickets 494 1997
 
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 318 1996
 
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
 
CITICORP DEVELOPMENT CENTER, INC. (1)
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal 106 1998
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 290 1996
 
KABUSHIKI KAISHA TOSHIBA (1)
5,180,901 IC card with individual authentication function 243 1991
 
INTER*ACT SYSTEMS, INCORPORATED (4)
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 548 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 436 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 336 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 387 1994
 
Martiz, Inc. (1)
5,689,100 Debit card system and method for implementing incentive award program 420 1996
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1225 1989
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
6,641,050 Secure credit card 176 2001
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 426 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 277 1995
 
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 458 1995
 
LUCENT TECHNOLOGIES INC. (5)
5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 395 1993
5,608,785 Method and apparatus for telephone prize opportunities 155 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 500 1994
5,857,079 Smart card for automatic financial records 322 1994
5,729,693 System and method to automatically provide an electronic consumer rebate 248 1996
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 117 2001
 
Bostec Systems, Inc. (2)
4,978,401 Card assembly method 113 1989
5,080,748 Card assembly apparatus 171 1990
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 995 1995
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 243 1987
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 628 1991
 
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 275 1995
 
FUJITSU LIMITED (1)
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 400 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 249 1995
 
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 177 1999
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 477 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 300 1991
5,864,828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation 246 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 287 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 528 1994
5,644,727 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 603 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 299 1997
5,875,437 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 623 1997
 
INTEL CORPORATION (1)
5,604,542 Using the vertical blanking interval for transporting electronic coupons 411 1995
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 114 2000
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 435 1996
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 243 1989
 
MICROSOFT CORPORATION (4)
5,852,812 Billing system for a network 553 1995
5,721,781 Authentication system and method for smart card transactions 603 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 668 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 575 1997
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 178 1994
 
PINPOINT INCORPORATED (1)
* 6,460,036 System and method for providing customized electronic newspapers and target advertisements 767 1997
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 90 2004
 
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 161 1997
 
LEIGHTON TECHNOLOGIES LLC (1)
6,036,099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom 232 1997
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 133 2002
 
PHOENIX LICENSING, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 465 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 154 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
 
TWEETER INTELLECTUAL PROPERTY, LLC (1)
5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 132 1994
 
PAYPAL INTERNATIONAL LIMITED (1)
6,295,522 Stored-value card value acquisition method and apparatus 206 1997
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 325 1993
 
JPMORGAN CHASE BANK, N.A. (5)
6,227,447 Cardless payment system 410 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 139 1999
6,341,724 Cardless payment system 186 2001
2001/0034,682 International banking system and method 131 2001
2002/0077,978 Method and system for processing internet payments 334 2001
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 184 2000
 
Swychco Support Services Pty. Ltd. (1)
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 225 1997
 
ARTEVA NORTH AMERICA S.A.R.L. (1)
5,236,959 Process for recycling polyester/cotton blends 8 1992
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 415 1997
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 223 1998
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 412 1996
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 185 1993
 
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 91 2001
 
WALKER DIGITAL, LLC (1)
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 157 1999
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 602 1995
 
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 363 2005
 
CHESS VENTURES LLC (1)
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 67 2001
 
MICRO ENHANCEMENT INTERNATIONAL (1)
5,857,175 System and method for offering targeted discounts to customers 545 1995
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 308 1997
 
MICON MEDIZINTECHNIK GMBH (1)
2003/0014,004 Insufflation gas conditioning apparatus and conditioning arrangement 9 2002
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (7)
5,483,445 Automated billing consolidation system and method 422 1993
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 254 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 108 1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 293 1996
5,988,509 Refundable prepaid telephone card 160 1997
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 151 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 175 1997
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 232 1985
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 481 1995
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 138 1996
 
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 423 1995
 
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 217 1997
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1441 1995
 
MEGA GROUP INTERNATIONAL, LTD. (1)
6,163,770 Computer apparatus and method for generating documentation using a computed value for a claims cost affected by at least one concurrent, different insurance policy for the same insured 247 1998
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 719 1994
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2003/0023,549 Consolidated payment account system and method 121 2002
 
AT&T CORP. (3)
5,675,607 Method and apparatus for facilitating the making of card calls 116 1995
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
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
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
 
WHATSNEXX MARKETING AUTOMATION INC. (1)
* 2012/0296,691 System and Method for Designing and Executing Subject-State Engine Workflows 0 2011
 
Leadfusion Incorporated (1)
8,566,208 Bimodal computer-based system for selling financial products 0 2012
 
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
 
NOKIA CORPORATION (1)
* 2013/0073,485 METHOD AND APPARATUS FOR MANAGING RECOMMENDATION MODELS 1 2011
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Nov 24, 2014
7.5 Year Payment $3600.00 $1800.00 $900.00 Nov 24, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Nov 24, 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