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
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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, NY2386

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 78
Holme, Jennifer New York, NY 20 170
Patel, Ameet New York, NY 15 78

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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6,095,412 Host and user transaction system 148 1997
 
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5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 275 1996
 
PRICELINE.COM LLC (2)
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5,642,279 Technique for utilizing a computer system to provide price protection to retail customers 130 1994
 
UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 150 2002
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 176 1994
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 238 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 272 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 194 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 110 1998
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 407 1997
 
WALKER DIGITAL, LLC (1)
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 156 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 418 1995
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 326 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 164 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 190 1998
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 419 1995
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 131 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 191 1996
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 402 1997
 
Other [Check patent profile for assignment information] (27)
4,582,985 Data carrier 379 1982
4,700,055 Multiple credit card system 329 1985
4,908,321 Radio-active method for determining trace amounts of peroxide 3 1989
5,192,947 Credit card pager apparatus 342 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 425 1990
5,206,803 System for enhanced management of pension-backed credit 275 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 526 1991
5,297,026 System for promoting account activity 309 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 487 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 162 1993
5,585,787 Programmable credit card 420 1994
5,745,706 Computer system and related equipment for spending and investment account management 218 1994
5,689,650 Community reinvestment act network 317 1995
5,787,404 Credit-card based retirement fund system and method 209 1995
5,955,961 Programmable transaction card 368 1996
5,953,710 Children's credit or debit card system 603 1996
5,685,291 Nebulizer adapter system for premature babies 29 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 157 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 177 1997
6,078,891 Method and system for collecting and processing marketing data 258 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 281 1999
6,145,741 Universal pre-paid gasoline and travel card 126 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 286 1999
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 92 2000
2002/0143,703 Internet cash card 85 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 122 2001
2003/0195,808 Managing retailer product disbursement 89 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
 
THE PNC FINANCIAL SERVICES GROUP, INC. (1)
8,856,807 Alert event platform 0 2011
 
Other [Check patent profile for assignment information] (1)
8,600,874 Venture capital transaction with a university scholarship 0 2010

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