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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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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Family

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1959

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Caiazzo, Anthony Tuckerton, US 11 132
Holme, Jennifer Hoboken, US 16 241
Patel, Ameet Trenton, US 13 137

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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MICROSOFT TECHNOLOGY LICENSING, LLC (4)
5,852,812 Billing system for a network 587 1995
5,721,781 Authentication system and method for smart card transactions 666 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 718 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 618 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 (2)
6,128,599 Method and apparatus for processing customized group reward offers 444 1997
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 158 1999
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 239 1998
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 427 1996
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 196 1993
 
GENERAL ELECTRIC COMPANY (2)
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 165 1998
6,675,127 Computerized systems and methods for managing project issues and risks 95 2001
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 637 1995
 
VERIZON PATENT AND LICENSING INC. (3)
5,621,787 Prepaid cash card 311 1995
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 99 2001
* 2005/0216,421 Integrated business systems for web based telecommunications management 464 2005
 
CHESS VENTURES LLC (1)
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 103 2001
 
MICRO ENHANCEMENT INTERNATIONAL (1)
5,857,175 System and method for offering targeted discounts to customers 577 1995
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 330 1997
 
MICON MEDIZINTECHNIK GMBH (1)
2003/0014,004 Insufflation gas conditioning apparatus and conditioning arrangement 10 2002
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (4)
5,483,445 Automated billing consolidation system and method 432 1993
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 268 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 115 1995
5,988,509 Refundable prepaid telephone card 162 1997
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 241 1985
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 503 1995
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 143 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 448 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 238 1997
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1659 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 261 1998
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 819 1994
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2003/0023,549 Consolidated payment account system and method 129 2002
 
AT&T CORP. (3)
5,675,607 Method and apparatus for facilitating the making of card calls 120 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 189 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 116 1998
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
* 2010/0042,709 DYNAMIC CONTEXT-SENSITIVE INTEGRATION OF CONTENT INTO A WEB PORTAL APPLICATION 5 2006
 
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
 
THE PNC FINANCIAL SERVICES GROUP, INC. (1)
* 8,856,807 Alert event platform 10 2011
 
NOKIA TECHNOLOGIES OY (2)
* 9,218,605 Method and apparatus for managing recommendation models 0 2011
* 2013/0073,485 METHOD AND APPARATUS FOR MANAGING RECOMMENDATION MODELS 3 2011
 
VODAFONE HOLDING GMBH (1)
* 2011/0012,715 PROVISION OF A TAG-BASED SERVICE USING A BROKER SERVER 1 2010
 
FUELINA TECHNOLOGIES, LLC (1)
9,493,709 Hybrid fuel and method of making the same 0 2012
 
NICE LTD. (2)
8,976,955 System and method for tracking web interactions with real time analytics 1 2011
8,977,573 System and method for identifying customers in social media 1 2012
 
Leadfusion Incorporated (1)
8,566,208 Bimodal computer-based system for selling financial products 1 2012
 
FULL CIRCLE CRM, INC. (1)
* 2014/0108,398 Method and System for Recording Responses in a CRM System 0 2013
 
BANK OF AMERICA, N.A. (1)
9,171,306 Risk-based transaction authentication 0 2010
 
BANK OF AMERICA CORPORATION (2)
* 2010/0325,043 CUSTOMIZED CARD-BUILDING TOOL 4 2009
* 2010/0100,424 TOOLS FOR RELATING FINANCIAL AND NON-FINANCIAL INTERESTS 38 2009
 
INGRAM MICRO INC. (1)
* 9,455,876 Method and standard for integrating applications into a cloud 0 2013
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
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
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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