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
ATTORNEY / AGENT: (SPONSORED)
 

Importance

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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.

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First Claim

Related Publications

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1855

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Caiazzo, Anthony New York, NY 8 38
Holme, Jennifer New York, NY 13 109
Patel, Ameet New York, NY 9 38

Cited Art

Patent Info (Count) # Cites Year
 
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5,937,068 System and method for user authentication employing dynamic encryption variables 129 1997
 
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6,189,787 Multifunctional card system 332 1999
 
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6,095,412 Host and user transaction system 119 1997
 
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5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 224 1996
 
PRICELINE.COM INCORPORATED (2)
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UBS FINANCIAL SERVICES, INC. (1)
2003/0163,403 Method and system for providing a weighted average aggregated accounts report 113 2002
 
UNION BEACH LIMITED PARTNERSHIP (1)
5,521,363 System and method for tracking memory card transactions 151 1994
 
UPROMISE, INC. (1)
5,471,669 Coupon savings account system 176 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 218 1995
 
VANTIV, LLC (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 342 1994
 
VERIZON BUSINESS GLOBAL LLC (1)
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 74 2001
 
VERIZON SERVICES CORP. (1)
5,621,787 Prepaid cash card 227 1995
 
VESDIA CORPORATION (1)
6,345,261 Customer loyalty investment program 142 1999
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 90 1998
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
6,128,599 Method and apparatus for processing customized group reward offers 287 1997
 
WALKER DIGITAL, LLC (1)
6,128,598 System and method for generating and executing insurance policies for foreign exchange losses 130 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 315 1995
 
WAYPOINT, INC. (1)
5,835,061 Method and apparatus for geographic-based communications service 228 1995
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 132 1997
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 151 1998
 
WYNN; SOL H. (1)
5,859,419 Programmable multiple company credit card system 333 1995
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 99 2002
 
YOKOGAWA ELECTRIC CORPORATION (1)
5,745,049 Wireless equipment diagnosis system 153 1996
 
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OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (27)
4,582,985 Data carrier 330 1982
4,700,055 Multiple credit card system 262 1985
4,908,321 Radio-active method for determining trace amounts of peroxide 3 1989
5,192,947 Credit card pager apparatus 302 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 319 1990
5,206,803 System for enhanced management of pension-backed credit 227 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 403 1991
5,297,026 System for promoting account activity 247 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 374 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 137 1993
5,585,787 Programmable credit card 322 1994
5,745,706 Computer system and related equipment for spending and investment account management 181 1994
5,689,650 Community reinvestment act network 258 1995
5,787,404 Credit-card based retirement fund system and method 167 1995
5,955,961 Programmable transaction card 283 1996
5,953,710 Children's credit or debit card system 450 1996
5,685,291 Nebulizer adapter system for premature babies 25 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 136 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 139 1997
6,078,891 Method and system for collecting and processing marketing data 199 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 200 1999
6,145,741 Universal pre-paid gasoline and travel card 104 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 214 1999
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 71 2000
2002/0143,703 Internet cash card 65 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 94 2001
2003/0195,808 Managing retailer product disbursement 71 2003

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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