Personalized interactive network architecture
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
May 24, 2011
Grant Date -
Apr 10, 2008
app pub date -
Nov 29, 2007
filing date -
Nov 15, 1999
priority date (Note) -
In Force
status (Latency Note)
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Importance

US Family Size
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Non-US Coverage
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Patent Longevity
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Forward Citations
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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.

First Claim
Family

- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
Patent Owner | Address | Total Patents |
---|---|---|
JPMORGAN CHASE BANK, N.A. | NEW YORK, NY | 2024 |
International Classification(s)
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Caiazzo, Anthony | Tuckerton, US | 11 | 175 |
Holme, Jennifer | Hoboken, US | 16 | 298 |
Patel, Ameet | Trenton, US | 13 | 185 |
Cited Art Landscape
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2002/0095,365 Corporate products trading marketplace | 136 | 2001 | |
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5664110 Remote ordering system | 587 | 1994 | |
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5933817 Tiered interest rate revolving credit system and method | 262 | 1996 | |
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5839113 Method and apparatus for rating geographical areas using meteorological conditions | 134 | 1996 | |
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5745049 Wireless equipment diagnosis system | 213 | 1996 | |
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6164533 Point of sale automatic savings program contribution system | 215 | 1998 | |
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5025372 System and method for administration of incentive award program through use of credit | 701 | 1989 | |
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5482139 Automated drive-up vending facility | 277 | 1995 | |
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4545838 Lamination product and method employing temporary transfer film | 135 | 1983 | |
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6026370 Method and apparatus for generating purchase incentive mailing based on prior purchase history | 480 | 1997 | |
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4897533 Credit card and method of making the same | 235 | 1987 | |
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5530232 Multi-application data card | 543 | 1993 | |
5578808 Data card that can be used for transactions involving separate card issuers | 673 | 1995 | |
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5581064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon | 207 | 1994 | |
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6463039 Method and apparatus for full duplex sideband communication | 129 | 1998 | |
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6397202 System and method for monitoring risk in a system development program | 121 | 1999 | |
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* 6970922 Network for targeting individual operating a microcomputer regardless of his location | 43 | 1999 | |
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6065675 Processing system and method for a heterogeneous electronic cash environment | 340 | 1998 | |
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4634845 Portable personal terminal for use in a system for handling transactions | 304 | 1984 | |
5770843 Access card for multiple accounts | 369 | 1996 | |
6029139 Method and apparatus for optimizing promotional sale of products based upon historical data | 568 | 1998 | |
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6345766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired | 118 | 1995 | |
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6119932 Identification verification apparatus and method | 137 | 1997 | |
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6006988 Non-cash media card and process of dispensing from automated teller | 177 | 1997 | |
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4750119 Purchasing system with rebate feature | 363 | 1986 | |
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2003/0061,168 Method for generating customer secure card numbers | 41 | 2001 | |
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5483444 System for awarding credits to persons who book travel-related reservations | 379 | 1995 | |
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2002/0091,631 E financial gift card | 82 | 2000 | |
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5777305 Package assembly and method for activating prepaid debit cards | 315 | 1996 | |
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5705798 System and method for processing a customized financial transaction card | 279 | 1994 | |
5692132 System and method for conducting cashless transactions on a computer network | 588 | 1995 | |
5699528 System and method for bill delivery and payment over a communications network | 1164 | 1995 | |
5704046 System and method for conducting cashless transactions | 363 | 1996 | |
6473500 System and method for using a prepaid card | 504 | 1998 | |
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server | 152 | 2001 | |
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6560578 Advertisement selection system supporting discretionary target market characteristics | 252 | 2001 | |
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2003/0004,828 Prepaid card authorization and security system | 173 | 2002 | |
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5530235 Interactive contents revealing storage device | 518 | 1995 | |
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6092056 Data processing system and method for financial debt instruments | 361 | 1999 | |
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5805719 Tokenless identification of individuals | 497 | 1997 | |
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6265977 Radio frequency identification tag apparatus and related method | 395 | 2000 | |
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5991750 System and method for pre-authorization of individual account transactions | 460 | 1997 | |
|
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5466919 Credit/charge card system enabling purchasers to contribute to selected charities | 227 | 1994 | |
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4968873 Smart card issuing and receiving apparatus | 358 | 1989 | |
|
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5665953 Self-contained personal data collector for redeeming coupons | 198 | 1996 | |
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5926800 System and method for providing a line of credit secured by an assignment of a life insurance policy | 304 | 1995 | |
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2003/0163,403 Method and system for providing a weighted average aggregated accounts report | 173 | 2002 | |
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6345261 Customer loyalty investment program | 215 | 1999 | |
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2003/0101,119 Verification of net asset values | 107 | 2001 | |
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5806045 Method and system for allocating and redeeming incentive credits between a portable device and a base device | 575 | 1996 | |
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6386444 System and methods for card payment instrument with rebate applied to an insurance premium | 237 | 1999 | |
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6373969 Corrective optical component | 105 | 1999 | |
6446210 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 | 138 | 1999 | |
6434259 Method of providing secure user access | 118 | 1999 | |
6429927 Imaging device, especially for optical fingerprinting | 112 | 1999 | |
6498861 Biometric security encryption system | 145 | 2000 | |
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6182894 Systems and methods for authorizing a transaction card | 339 | 1998 | |
|
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5276311 Method and device for simplifying the use of a plurality of credit cards, or the like | 700 | 1992 | |
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6070147 Customer identification and marketing analysis systems | 618 | 1996 | |
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6263316 Automated process for retailing to a vehicle occupant | 157 | 1999 | |
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* 6223983 Interactive point access financial and information system | 117 | 1999 | |
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6581839 Transaction card | 207 | 2000 | |
2001/0054,003 System and method for using loyalty points | 451 | 2001 | |
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5864830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card | 404 | 1997 | |
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5513102 Data processing methods of implementing an award to an authorized user of a credit card | 353 | 1994 | |
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6745938 System and methods for card payment instrument with rebate applied to an insurance premium | 113 | 2002 | |
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5710887 Computer system and method for electronic commerce | 1575 | 1995 | |
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2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards | 166 | 2003 | |
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6014638 System for customizing computer displays in accordance with user preferences | 732 | 1996 | |
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4882675 Paperless system for distributing, redeeming and clearing merchandise coupons | 573 | 1984 | |
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5471669 Coupon savings account system | 283 | 1994 | |
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6467684 Pre-paid card system for purchasing products or services | 213 | 1999 | |
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5544086 Information consolidation within a transaction network | 301 | 1994 | |
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5453601 Electronic-monetary system | 777 | 1991 | |
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5799087 Electronic-monetary system | 264 | 1995 | |
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5920629 Electronic-monetary system | 347 | 1997 | |
5953423 Electronic-monetary system | 182 | 1997 | |
5963648 Electronic-monetary system | 247 | 1997 | |
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5459306 Method and system for delivering on demand, individually targeted promotions | 488 | 1994 | |
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6173267 Method for product promotion | 309 | 1998 | |
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6105865 Financial transaction system with retirement saving benefit | 489 | 1998 | |
|
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4975840 Method and apparatus for evaluating a potentially insurable risk | 405 | 1988 | |
|
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5326960 Currency transfer system and method | 234 | 1992 | |
5350906 Currency transfer system and method using fixed limit cards | 535 | 1992 | |
|
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6016954 Card holder-type balance reader | 137 | 1997 | |
|
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6009415 Data processing technique for scoring bank customer relationships and awarding incentive rewards | 302 | 1991 | |
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5424524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers | 490 | 1993 | |
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6036099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom | 257 | 1997 | |
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5765141 Computerized merchandising system | 317 | 1995 | |
5870718 Computer-printer terminal for producing composite greeting and gift certificate card | 301 | 1996 | |
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5339239 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 | 292 | 1990 | |
|
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2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS | 142 | 1999 | |
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6186793 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 | 135 | 1997 | |
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6049773 Automated method for identification of reinsurance claims | 137 | 1997 | |
|
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5537314 Referral recognition system for an incentive award program | 805 | 1995 | |
|
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6484148 Electronic advertising device and method of using the same | 498 | 2000 | |
|
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5737421 System for controlling access to a function having clock synchronization | 134 | 1996 | |
5802176 System for controlling access to a function, using a plurality of dynamic encryption variables | 217 | 1996 | |
5887065 System and method for user authentication having clock synchronization | 203 | 1997 | |
5937068 System and method for user authentication employing dynamic encryption variables | 190 | 1997 | |
6308268 Portable electronic device for safe communication system, and method for initializing its parameters | 119 | 2000 | |
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5794207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers | 1867 | 1996 | |
5897620 Method and apparatus for the sale of airline-specified flight tickets | 534 | 1997 | |
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5511114 Telephone pre-paid calling card system and method | 343 | 1994 | |
5721768 Pre-paid card system and method | 335 | 1996 | |
|
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6091817 Host and user transaction system | 147 | 1997 | |
6095412 Host and user transaction system | 161 | 1997 | |
|
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6422459 Method and system for off-line loading of stored value cards using a batch-load terminal | 108 | 1998 | |
|
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5778067 Value transfer system | 331 | 1996 | |
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5180901 IC card with individual authentication function | 255 | 1991 | |
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5621812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories | 611 | 1993 | |
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories | 497 | 1994 | |
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories | 368 | 1994 | |
5592560 Method and system for building a database and performing marketing based upon prior shopping history | 476 | 1994 | |
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5689100 Debit card system and method for implementing incentive award program | 473 | 1996 | |
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4992940 System and method for automated selection of equipment for purchase through input of user desired specifications | 1334 | 1989 | |
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6641050 Secure credit card | 205 | 2001 | |
|
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5859419 Programmable multiple company credit card system | 485 | 1995 | |
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5742775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system | 286 | 1995 | |
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5479494 Virtual calling card system | 291 | 1992 | |
5450477 Monitoring of charges debited to an account having an assigned limit | 162 | 1993 | |
5708422 Transaction authorization and alert system | 554 | 1995 | |
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5544246 Smartcard adapted for a plurality of service providers and for remote installation of same | 420 | 1993 | |
5608785 Method and apparatus for telephone prize opportunities | 157 | 1993 | |
5649118 Smart card with multiple charge accounts and product item tables designating the account to debit | 578 | 1994 | |
5857079 Smart card for automatic financial records | 363 | 1994 | |
5729693 System and method to automatically provide an electronic consumer rebate | 296 | 1996 | |
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2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program | 118 | 2001 | |
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4978401 Card assembly method | 115 | 1989 | |
5080748 Card assembly apparatus | 178 | 1990 | |
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5677955 Electronic funds transfer instruments | 1110 | 1995 | |
|
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4766539 Method of determining the premium for and writing a policy insuring against specified weather conditions | 250 | 1987 | |
|
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5383113 System and method for electronically providing customer services including payment of bills, financial analysis and loans | 679 | 1991 | |
|
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5637845 Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine | 313 | 1995 | |
|
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6484144 Method and system for healthcare treatment planning and assessment | 174 | 1999 | |
|
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6129274 System and method for updating shopping transaction history using electronic personal digital shopping assistant | 452 | 1998 | |
|
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6195644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users | 192 | 1999 | |
|
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4953085 System for the operation of a financial account | 497 | 1987 | |
5911135 System for managing financial accounts by a priority allocation of funds among accounts | 333 | 1991 | |
5864828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation | 264 | 1991 | |
5884285 System for managing financial accounts by reallocating funds among accounts | 303 | 1992 | |
5852811 Method for managing financial accounts by a preferred allocation of funds among accounts | 563 | 1994 | |
5644727 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 | 734 | 1994 | |
5911136 System for prioritized operation of a personal financial account comprising liabilities and investment assets | 313 | 1997 | |
5875437 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 | 734 | 1997 | |
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5604542 Using the vertical blanking interval for transporting electronic coupons | 476 | 1995 | |
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2003/0105,672 Method and apparatus to facilitate payment over a computer network | 117 | 2000 | |
|
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6014645 Real-time financial card application system | 518 | 1996 | |
|
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5095194 Holographic credit card with automatical authentication and verification | 249 | 1989 | |
|
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5521363 System and method for tracking memory card transactions | 183 | 1994 | |
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* 6460036 System and method for providing customized electronic newspapers and target advertisements | 988 | 1997 | |
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2005/0027,649 Event typer | 91 | 2004 | |
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5991748 Methods and apparatus for regenerating a prepaid transaction account | 325 | 1996 | |
6038292 Methods and apparatus for language registration of prepaid, remote entry customer account | 158 | 1997 | |
5923734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia | 187 | 1997 | |
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5987434 Apparatus and method for transacting marketing and sales of financial products | 511 | 1996 | |
6076072 Method and apparatus for preparing client communications involving financial products and services | 346 | 1997 | |
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services | 173 | 2003 | |
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services | 132 | 2003 | |
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services | 125 | 2003 | |
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5642279 Technique for utilizing a computer system to provide price protection to retail customers | 139 | 1994 | |
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6295522 Stored-value card value acquisition method and apparatus | 227 | 1997 | |
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5311594 Fraud protection for card transactions | 354 | 1993 | |
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6227447 Cardless payment system | 488 | 1999 | |
6505168 System and method for gathering and standardizing customer purchase information for target marketing | 183 | 1999 | |
6341724 Cardless payment system | 234 | 2001 | |
2001/0034,682 International banking system and method | 135 | 2001 | |
2002/0077,978 Method and system for processing internet payments | 408 | 2001 | |
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6405182 System for dispensing prepaid debit cards through point-of-sale terminals | 205 | 2000 | |
|
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6134536 Methods and apparatus relating to the formulation and trading of risk management contracts | 239 | 1997 | |
|
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5852812 Billing system for a network | 598 | 1995 | |
5721781 Authentication system and method for smart card transactions | 698 | 1995 | |
5883810 Electronic online commerce card with transactionproxy number for online transactions | 794 | 1997 | |
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions | 677 | 1997 | |
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5236959 Process for recycling polyester/cotton blends | 8 | 1992 | |
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6128599 Method and apparatus for processing customized group reward offers | 485 | 1997 | |
6128598 System and method for generating and executing insurance policies for foreign exchange losses | 158 | 1999 | |
|
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6029890 User-Specified credit card system | 256 | 1998 | |
|
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5845259 Electronic coupon dispensing system | 451 | 1996 | |
|
|||
5500514 Method and apparatus for generating gift certificates | 207 | 1993 | |
|
|||
6182048 System and method for automated risk-based pricing of a vehicle warranty insurance policy | 171 | 1998 | |
6675127 Computerized systems and methods for managing project issues and risks | 98 | 2001 | |
|
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5774870 Fully integrated, on-line interactive frequency and award redemption program | 676 | 1995 | |
|
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5621787 Prepaid cash card | 321 | 1995 | |
2002/0046,255 System and method for providing prepaid services via an internet protocol network system | 101 | 2001 | |
* 2005/0216,421 Integrated business systems for web based telecommunications management | 532 | 2005 | |
|
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2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card | 134 | 2001 | |
|
|||
5970480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle | 164 | 1997 | |
|
|||
5857175 System and method for offering targeted discounts to customers | 608 | 1995 | |
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6014636 Point of sale method and system | 343 | 1997 | |
|
|||
2003/0014,004 Insufflation gas conditioning apparatus and conditioning arrangement | 10 | 2002 | |
|
|||
5483445 Automated billing consolidation system and method | 441 | 1993 | |
6115458 Method and apparatus for summaries of prepaid instrument transaction activity | 268 | 1995 | |
5988509 Refundable prepaid telephone card | 162 | 1997 | |
|
|||
4752676 Reliable secure, updatable "cash" card system | 245 | 1985 | |
|
|||
5577109 Pre-paid card system and method | 516 | 1995 | |
|
|||
5777306 Credit card system and method of using credit card with such credit card system | 147 | 1996 | |
|
|||
5734838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase | 473 | 1995 | |
|
|||
5991413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number | 245 | 1997 | |
|
|||
5740549 Information and advertising distribution system and method | 1772 | 1995 | |
|
|||
6163770 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 | 272 | 1998 | |
|
|||
5590038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions | 922 | 1994 | |
|
|||
2003/0023,549 Consolidated payment account system and method | 132 | 2002 | |
|
|||
5675607 Method and apparatus for facilitating the making of card calls | 120 | 1995 | |
5864609 Method for establishing customized billing arrangements for a calling card in a telecommunications network | 192 | 1995 | |
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING | 117 | 1998 |
Patent Citation Ranking
Forward Cite Landscape
Patent Info | (Count) | # Cites | Year |
---|---|---|---|
|
|||
* 2010/0042,709 DYNAMIC CONTEXT-SENSITIVE INTEGRATION OF CONTENT INTO A WEB PORTAL APPLICATION | 6 | 2006 | |
* 9754039 Dynamic context-sensitive integration of content into a web portal application | 0 | 2007 | |
|
|||
* 8600874 Venture capital transaction with a university scholarship | 0 | 2010 | |
* 2011/0167,019 Venture capital transaction with a university scholarship | 1 | 2010 | |
|
|||
* 2012/0296,691 System and Method for Designing and Executing Subject-State Engine Workflows | 1 | 2011 | |
|
|||
* 8856807 Alert event platform | 15 | 2011 | |
|
|||
* 2011/0012,715 PROVISION OF A TAG-BASED SERVICE USING A BROKER SERVER | 1 | 2010 | |
|
|||
* 9218605 Method and apparatus for managing recommendation models | 0 | 2011 | |
* 2013/0073,485 METHOD AND APPARATUS FOR MANAGING RECOMMENDATION MODELS | 4 | 2011 | |
|
|||
9493709 Hybrid fuel and method of making the same | 1 | 2012 | |
|
|||
8976955 System and method for tracking web interactions with real time analytics | 8 | 2011 | |
9734468 System and method for resolving customer communications | 0 | 2012 | |
8977573 System and method for identifying customers in social media | 2 | 2012 | |
|
|||
8566208 Bimodal computer-based system for selling financial products | 1 | 2012 | |
|
|||
* 2014/0108,398 Method and System for Recording Responses in a CRM System | 1 | 2013 | |
|
|||
9800427 System and method for distributing electronic and paper documents as per customer consent | 0 | 2012 | |
|
|||
9171306 Risk-based transaction authentication | 5 | 2010 | |
|
|||
* 2010/0325,043 CUSTOMIZED CARD-BUILDING TOOL | 6 | 2009 | |
* 2010/0100,424 TOOLS FOR RELATING FINANCIAL AND NON-FINANCIAL INTERESTS | 53 | 2009 | |
|
|||
* 9906482 Predictive electronic message management systems and controllers | 0 | 2015 | |
|
|||
* 9455876 Method and standard for integrating applications into a cloud | 2 | 2013 |
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 |
Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
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 |
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