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
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ATTORNEY / AGENT: (SPONSORED)

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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, NY2043

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 59
Holme, Jennifer New York, NY 20 143
Patel, Ameet New York, NY 15 59

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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NCR CORPORATION (3)
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6,189,787 Multifunctional card system 392 1999
 
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6,574,603 In-vehicle ordering 154 1998
 
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6,095,412 Host and user transaction system 136 1997
 
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5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 258 1996
 
PRICELINE.COM LLC (2)
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5,897,620 Method and apparatus for the sale of airline-specified flight tickets 464 1997
 
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5,578,808 Data card that can be used for transactions involving separate card issuers 465 1995
 
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5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 121 1994
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 139 2002
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 165 1994
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 212 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 255 1995
 
VERIZON SERVICES CORP. (1)
5,621,787 Prepaid cash card 269 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 173 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 101 1998
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 362 1997
 
WALKER DIGITAL, LLC (1)
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 146 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 385 1995
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 286 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 153 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 179 1998
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 387 1995
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 115 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 179 1996
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 372 1997
 
Other [Check patent profile for assignment information] (27)
4,582,985 Data carrier 366 1982
4,700,055 Multiple credit card system 304 1985
4,908,321 Radio-active method for determining trace amounts of peroxide 3 1989
5,192,947 Credit card pager apparatus 329 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 384 1990
5,206,803 System for enhanced management of pension-backed credit 262 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 482 1991
5,297,026 System for promoting account activity 287 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 446 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 152 1993
5,585,787 Programmable credit card 386 1994
5,745,706 Computer system and related equipment for spending and investment account management 207 1994
5,689,650 Community reinvestment act network 301 1995
5,787,404 Credit-card based retirement fund system and method 194 1995
5,955,961 Programmable transaction card 335 1996
5,953,710 Children's credit or debit card system 546 1996
5,685,291 Nebulizer adapter system for premature babies 28 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 148 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 163 1997
6,078,891 Method and system for collecting and processing marketing data 235 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 249 1999
6,145,741 Universal pre-paid gasoline and travel card 118 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 261 1999
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 84 2000
2002/0143,703 Internet cash card 77 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 111 2001
2003/0195,808 Managing retailer product disbursement 82 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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